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traditional payments sales, and many in the industry have migrating to-do list software, he observed, adding, there
yet to make that shift. may be more fields, fewer fields or entirely different
Bosankic advised providers to leverage multi-processor ones. If the new software doesn't have a start date field,
and multi-gateway trends. "Platforms and solutions that he continued, do you decide you don't really need it and
put merchants at the center of the experience, with more delete that field before the import?
power and choice, are gaining momentum," he said.
"Enabling merchants to control transaction flows and Platforms that are engineered for maximum exportability
data without being locked in is the difference between an and compatibility provide flexible options for exporting
average and excellent provider." and sharing data, Zawitkowski said. Trello, for example,
has numerous use cases, from software development and
Kronenthal advised service providers to complement holiday shopping to home repairs. Ease of use and the
freedom of choice with ease of adoption. "Providers ability to export each field's history makes it valuable for
that want to offer flexibility to merchants need robust customizing reports and managing projects.
integration tools to onboard new partners, observability
tools to ensure a solution's interconnected components are Kopelman cautioned against workaround solutions that
functioning well, and a holistic, aggregated view of data override proprietary software platforms. These unauthor-
to ensure seamless and consistent reconciliation," he said. ized modifications, sometimes called jailbreaking, enable
merchants that are tied to a single payment processor to
Porting or jail-breaking reroute transactions to alternative processing hosts, which
Mike Zawitkowski, managing partner of Acorn Analytics can violate a provider's terms of service and trigger legal
Inc., admitted that moving between software platforms actions, fines and voided warranties.
is never entirely seamless, even for a developer. "Every
system uses different data fields for storing data and the "Software lockdown will get worse as companies use AI
fields won't match," he said. "Developers have to employ to get around software products," he said. "No company
tricks, appends and pivots to move data from one system would spend millions just to make a SaaS fee; everyone
to another without losing key historical records." knows the big money is in processing and they will protect
There's friction, even with something as simple as and defend their piece of the pie." Kopelman additionally
noted that tech companies may take legal action to defend

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