The Green Sheet Online Edition
April 4, 2025 • 25:04:02
Letter from the editor
People across the payments sphere have been keeping a close eye on the shifting regulatory winds sweeping through Washington this year, adjusting plans and strategies as needed. In this issue, we take a deep dive into the ongoing changes and their potential ripple effects. From the green light on Capital One's acquisition of Discover, to the rollback of key CFPB rules, to the mounting debate over interchange, it's clear we're entering a new era of oversight, opportunity and uncertainty. Our cover story breaks it all down with clarity and insight, helping you stay ahead of the sweeping changes shaping our industry's future.
Contributed articles also explore major forces driving payments innovation. Topics include how busy professionals can harness AI tools to streamline marketing efforts—from content creation to data analytics—saving 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 are exploring new ways to serve SMBs and what this shift means for the future of small business lending; how emerging markets in Asia and Latin America are reshaping global ecommerce, creating opportunities for payments providers willing to adapt their cross-border strategies; and why governance is critical as banks dive headfirst into large language models, with proven oversight principles offering a clear path to manage risks and build trust.
In our news briefs section, you'll find highlights from around the industry: LexisNexis reported that U.S. ecommerce merchants lose $4.61 for every $1 in fraud, with mobile transactions fueling much of the loss; Congress voted to overturn the CFPB's rule extending supervisory authority over Big Tech payment apps, drawing mixed reactions; Visa rolled out Authorize.net upgrades, Unified Checkout and ARIC Risk Hub to streamline payments and fight fraud; U.S. Bank launched Business Essentials to meet small business demand for bundled, easy-to-use digital solutions; and Shazam sold its merchant services arm to NCMIC, citing client focus and strategic alignment.
Be sure to check out the new product stories, Spotlight Innovator news, Resource Guide highlights, and updates on appointments, acquisitions, partnershipspress@greensheet.com, research and other industry milestones included in this issue. And don't forget—we welcome your news! Send press releases to press@greensheet.com and reach out to greensheet@greensheet.com with any questions or suggestions. We're here to keep you informed, inspired and ready for what's next in payments. 
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