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Table of Contents

Lead Story

Payments' place in the retail playbook - Part 2

Dale S. Laszig


Industry Update

Retailers challenge PCI, seek federal intervention

Data breaches, EMV advance new fraud trends

CFPB to processors: Don't turn blind eye to fraudsters

CFPB seeks public comment on 'payday' loan guidance


U.S. credit card users like installments. A lot

Open-loop prepaid will play a role in next loyalty move by Starbucks

Aaron Mercurio and John Grund

Be vigilant about data vulnerability

MCX pulls plug on CurrentC


The misguided 'kill the check' chorus

Brandes Elitch
CrossCheck Inc.

Guide your startup so it won't implode

Ken Musante
Eureka Payments LLC


Street SmartsSM:
The alternative financing rebrand wrap up

John Tucker
1st Capital Loans LLC

Think PII, not just PCI

Fran Sachs and Ross Federgreen
CSR Professional Services Inc.

Paper reports, online portals can coexist

Steven Feldshuh
Merchants' Choice Payment Solutions East

Consolidation in acquiring

Adam Atlas
Attorney at Law

How integrated, complementary technologies lift valuations

Adam Hark

Company Profile


New Products

Brandable, EMV-certified mobile payments

AprivaPay Plus
Apriva LLC

Biometrics for enhanced, selfie authentication

Eyeprint ID
EyeVerify Inc.


The pursuit of large merchant accounts


Letter from the editors

Readers Speak

Resource Guide


A Bigger Thing

The Green Sheet Online Edition

June 27, 2016  •  Issue 16:06:02

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Readers Speak

Another disruptor on the scene

I read with great interest your recent article titled "Disrupting the disruptors in payments and banking" [by Patti Murphy, The Green Sheet May 23, 2016, issue 16:05:02,].

Many of the themes you addressed tied closely to those covered in an op-ed by Jon Ungerland called "Disrupt the disruptors to strengthen your community" [Credit Union Times,]. Jon is the CEO of DaLand Solutions, a client of mine.

I mention all of this because I'd like to bring to your attention a mobile transaction platform developed by DaLand called Secure Transaction Image, or STI. It's a visual token-based platform similar in general concept to QR code-based systems, but based on proprietary, patent-pending technology. This makes it more secure and more flexible. It was intentionally designed to provide many of the benefits of blockchain without the obvious drawbacks.

Instead of limiting STI to simple money movement, DaLand stepped back and redefined the digital transaction more like a human being might define a transaction. The end result is a platform that can support a virtually unlimited number of transaction scenarios.

STI-based products that have already launched or are near launch include:

The company is also looking at various lending scenarios, such as using an STI token as a loan preapproval or using the platform to generate digital loan payment coupons. In the latter case, the borrower would only need to capture the token to transact the entire loan payment.

John San Filippo,

P2P taking the lead

Today, June 13, 2016, Apple is expected to open its Worldwide Developer Conference with a focus on software and services, such as Apple Pay. The small mobile payments service has been growing slowly; but, if Apple announces the addition of a money transfer feature similar to PayPal’s Venmo app, the adoption of Apple Pay could see a significant increase.

In the past year a third of consumers overall have reported using a peer-to-peer payment (P2P) app, with 44 percent of those consumers falling between the ages of 18 to 25 and 38 percent between 26 to 35. As part of the Walker Sands' 2016 Future of Retail Study, these findings suggest that, despite mobile payments ranking low as the preferred payment method for different kinds of purchases, P2P payment applications may be more quickly adopted than point-of-sale mobile transactions.

The Walker Sands' 2016 Future of Retail Study also found:

Readers interested in downloading the report can do so at

Erin Jordan, Walker Sands Communications

What about you?

Do you have potentially game-changing new technology or insights to share? Tell us about it at

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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Spotlight Innovators:

North American Bancard | USAePay | Board Studios