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        Cover Story                                            Education
          Conversational commerce:                               How to make the leap to next-gen acquiring ....................36
          complex, interactive, evolving .....................................................1  By Peter Spee, AEVI
           By  Dale S. Laszig                                    Industry players must invest to stay ahead of the curve, but no one
           Sentient machines are harnessing AI to transform transactions   wants to make the wrong gamble. What fundamental and aspira-
           from simple clicks into complex, interactive and contextual ex-  tional objectives should they focus on right now?
           pressions of our interests, personalities and lifestyles.  Legal ease:
        News                                                     Payments law for autonomous devices ................................38
                                                                   By Adam Atlas, Attorney at Law
          News Briefs:                                             In a few short years, we will live in world with self-driving cars,
          TSG directory highlights top-rated U.S. acquirers ..........10  robots and a multitude of services powered by AI. How will pay-
                                                                   ments need to adapt from a legal perspective?
          U.S. firms pummeled by ACH, other payments fraud ....10
          John Beebe to serve on Hawaii State Council ....................10  Company Profile
                                                                 PaymentCloud Inc.:
          Security concerns could thwart IoT payments growth ..10
                                                                 Freedom and flexibility in CNP processing .........................41
          Deadline constraints cause JCPenney's                New Products
          halt of NFC, Apple Pay ...................................................................10
          ETA's Amy Zirkle leads with                            SDK streamlines marketplace app integrations ...............42
          confidence, industrywide support ..........................................10  All-in-one payment platform connects
                                                                 merchant touchpoints, channels .............................................43
          Industry Update ...............................................................................18  Inspiration
        Views
                                                                 Guiding merchants through upsets .......................................44
          The truth about real-time payments ......................................24  Departments
           By Brandes Elitch, CrossCheck Inc.
           There is no simple way to explain the state of real-time payments   Letter From the Editors ....................................................................5
           in the United States right now. Exaggerations, misconceptions and   Readers Speak:
           dubious claims abound.                                Build an email list, grow your business ...................................8
          Insider's report on payments:                          Spotlight Innovators ......................................................................12
          Cash is cool but losing its luster ...............................................26  DateBook .............................................................................................17
           By  Patti Murphy, ProScribes Inc.                     The latest from Merchant Sales Podcast ..............................18
           Most adult Americans still carry cash, and 55 percent hate the idea   Resource Guide .................................................................................45
           of life without cash. However, while mobile wallets haven't caught   Advertiser Index ...............................................................................54
           on, contactless payments are showing promise.
        Education
          Street Smarts SM
          The important role of referral partners ................................33
           By Dee and Emily Karawadra, Impact PaySystem
           Partnering with compatible professionals and companies is a
           smart business-building practice. It drives market awareness, as-
           sociates your brand with reliable brands and opens new doors.
















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