It can be challenging to assess the full potential of the technology powering digital commerce today because of its continued, rapid evolution, which makes it ever-changing. But the core principles of digital commerce—security, intelligence, agility and transparency—provide a lense through which we can view this dynamic ecosystem.
This issue's lead article is the first in a two-part series in which security leaders discuss in depth the algorithms and cryptography that have underpinned POS systems since they first appeared and now continue to shape today's products and those of the future. If you're intimidated by the terms "Public Key Infrastructure," "transport layer security" or "Triple DES," or just a little rusty on the concepts, this article will set you at ease.
And if the complexities of international processing boggle you a little bit, one of our contributors covers the basics from a legal standpoint, which might empower you to step outside of your comfort zone. Not that intrepid ISOs, merchant level salespeople and other payments pros let comfort get in the way of seizing opportunities. One such opportunity, the micro merchant sector, is often overlooked, and one industry leader explains herein why and how this group is worth incorporating into your merchant portfolio mix. Other expert contributions not to be missed include discussions of why personal branding is essential and how to go about it, key developments in pay-by-bank payments; and why right now is the time to break down the very real gender barrier in payments.
The stories highlighted in News Briefs include the introduction of Apple Pay Later and how BNPL players are changing the game for payroll and the payment rails; findings from the latest report from The Strawhecker Group and the Electronic Transactions Association indicating, among other findings, that businesses are eager to accept forms of P2P payments; approval by the U.S. House of Representatives of the Payment Choice Act (a good thing for cash); and PayPal's launch of its latest BNPL offering just days after Apple Pay Later came on the scene.
Of course, you'll find our customary company and product profiles, along with updates on recent milestones such as industry awards, executive appointments, partnerships, acquisitions, research and more. If you have an achievement to crow about, please send a press release to firstname.lastname@example.org. If you'd like your company or product profiled, or if you have questions or suggestions, please email email@example.com.
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