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Letter from the editor

ow does one define a con- Let us help you
cept as broad and elusive
as transparency in digital
H commerce? So begins this with your
issue's lead article, which points out that definitions
vary across the commerce value chain. And that's a
good thing. With the rise and dominance of digital
commerce in the complex, dynamic payments sphere, New Year’s Goals!
no single definition will suffice. Sharing insights
from industry experts, the article takes an in-depth
look at how various sectors of the industry approach
transparency, gaining clarity on such topics as every-
where commerce, data sharing, lending, payments,
fee structures and policymaking.

A push for transparency is evidenced in News Briefs
herein, too. One story highlights the Consumer Fi-
nancial Protection Bureau's proposal to create a pub-
licly available registry of consumer financial services
firms, including fintech providers, that run afoul of
state and federal consumer protection statutes. An-
other effort involves a new EU regulation that holds
manufacturers, distributors and service providers ac-
countable for device and network security, imposing
fines of up to 15 million euros or 2.5 percent of annual
revenues to non-compliant parties. In more celebra-
tory news, the NRF's 2023 conference lauded resil-
iency amid shifting consumer preferences; research
indicates 2022 holiday sales rose 5.3 percent, driven I’m working hard to help you increase
by online transactions; a group of big banks is plan-
ning a new digital wallet to compete with the likes of your bottom line today!
Venmo and PayPal; and merchants are fighting fraud
with AI and automation.
Customized advertising campaigns
Contributors to this issue delve into both emerging
and evergreen issues in payments, including how to fit any size company and budget
retailers are seeking ways to improve their custom-
ers' shopping experiences by leveraging technology • Spotlight Innovators’ pages
to create personalized shopping experiences; the ad- (frequently updated content)
vantage of not getting discouraged by no answers
and instead viewing each no as one step closer to re- • Print options (various size options)
ceiving a yes; why transparency or lack thereof, lead- • Online options (website/twice month email)
generation acquisition model, and risk of default and
chargebacks are factors to consider when choosing a • Resource Guide listing
BNPL partner; signs that crypto is here to stay despite (print/online/front page (option))
crashing values and bankrupt exchanges leading to
competing calls for government action; and how pay- • Email Blasts (to GS readership)
ment companies can help stop traffickers that take
advantage of digital payment processing, regulatory • Video (website)
loopholes and fraudulent practices to commit crimes.
• Bundle advertisng campaign discounts
In addition to original articles written just for you, our Rick Aston
readers, we continue to provide company and prod-
uct profiles, as well as updates on awards and other Senior Media Partnership Specialist
milestones, research, partnerships and acquisitions,
and appointments in our realm. We will welcome 707-284-1693
your news at press@greensheet.com, and your feedback
at greensheet@greensheet.com.
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