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Letter from the editor

eople across the payments sphere have been
keeping a close eye on the shifting regula-
tory winds sweeping through Washington
P this year, adjusting plans and strategies as
needed. In this issue, we take a deep dive into the ongo-
ing changes and their potential ripple effects. From the
Howdy
green light on Capital One's acquisition of Discover, to
the rollback of key CFPB rules, to the mounting debate Howdy
over interchange, it's clear we're entering a new era of
Y’all!
oversight, opportunity and uncertainty. Our cover story Y’all!
breaks it all down with clarity and insight, helping you
stay ahead of the sweeping changes shaping our indus-
try's future.

Contributed articles also explore major forces driving
payments innovation. Topics include how busy profes-
sionals can harness AI tools to streamline marketing
efforts—from content creation to data analytics—sav-
ing time, boosting engagement and maximizing ROI;
how embedded finance offers ISOs and agents a path to
sustainable, long-term revenue—if they partner wisely
and stay focused on substance over flash; why banks I’m working hard to help you increase
as
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u incr
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’
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are exploring new ways to serve SMBs and what this
your bottom line today!
shift means for the future of small business lending; y o ur b o t t o m line t o d a y!
how emerging markets in Asia and Latin America are
reshaping global ecommerce, creating opportunities for
ull
N
o B
payments providers willing to adapt their cross-border No Bull
strategies; and why governance is critical as banks dive
headfirst into large language models, with proven over-
sight principles offering a clear path to manage risks and Customized advertising campaigns
build trust. to fit any size company and budget.
In our news briefs section, you'll find highlights from • Spotlight Innovators’ Pages
around the industry: LexisNexis reported that U.S.
ecommerce merchants lose $4.61 for every $1 in fraud, (frequently updated content)
with mobile transactions fueling much of the loss; Con- • Print (various size options)
gress voted to overturn the CFPB's rule extending super-
visory authority over Big Tech payment apps, drawing • Resource Guide listing
mixed reactions; Visa rolled out Authorize.net upgrades, (print/online/front page options)
Unified Checkout and ARIC Risk Hub to streamline
payments and fight fraud; U.S. Bank launched Business • Email Blasts (to GS readership)
Essentials to meet small business demand for bundled,
easy-to-use digital solutions; and Shazam sold its mer- • Online (website/twice monthly magazine)
chant services arm to NCMIC, citing client focus and
strategic alignment. • Video
• Bundle advertisng campaign discounts*
Be sure to check out the new product stories, Spotlight
Innovator news, Resource Guide highlights, and updates
on appointments, acquisitions, partnerships, research Rick Aston
and other industry milestones included in this issue.
And don't forget—we welcome your news! Send press Senior Media Partnership Specialist
releases to press@greensheet.com and reach out to green-
707-284-1693
sheet@greensheet.com with any questions or suggestions. 707-284-1693
We're here to keep you informed, inspired and ready for
what's next in payments.
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