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Lindsay Tis
MAnAGInG DIrECTOr
ltis@iirusa.com
Matthew J. Middleton
SALES DIrECTOr
mmiddleton@iirusa.com
Loraine DeBonis
EDITOr-In-ChIEF
ldebonis@paybefore.com
Bill Grabarek
SEnIOr EDITOr
bgrabarek@paybefore.com
Thad Rueter
SEnIOr EDITOr
trueter@paybefore.com
Adam Perrotta
ASSISTAnT EDITOr
aperrotta@paybefore.com
Robin Chalmers Mason
PrODUCTIOn EDITOr
robin@paybefore.com
Doris Kwok
MArKETInG ASSISTAnT
dkwok@paybefore.com
Pay Magazine is designed by Kelly N. Kofron; art and photos © Paybefore and Shutterstock.com, excluding ads and company logos.
PaybeforeTM, Paybefore.comTM, Pay NewsTM,
Pay GovTM, Pay Op-EdTM, Pay WeekTM, Pay MagazineTM, Pay Awards MagazineTM, Pay ConnectTM, Pay Awards® and Pay Awards EuropeTM are the property of Paybefore, 708 Third Ave., 4th Fl., New York, NY 10017 USA. All material contained within Pay Magazine is the property of Paybefore. All other product and service names may be trademarks of their respective companies. ©2016 Paybefore.
All rights reserved. Reproduction of any kind is strictly prohibited without express prior written consent of Paybefore.
ADveRTisinG infoRMATion
For advertising details, call Matthew Middleton at +1 646.616.7604.
Unlimited
Commerce
Understanding consumer demand is simple. They want what they want, where and when they want it, and they want to pay for it with
any device or form factor they choose—all of which could vary at any given time. Knowing the demands is easy; meeting
them is anything but. Whether you’re a retailer, a technology provider or a  nancial services company competing for top of wallet, you have to reconcile this on-demand mentality with top-notch security and compliance at every consumer touch point. In this issue of Pay Magazine, we help you do just that.
We spoke with pioneers in retail and loyalty (10), innovators targeting speci c consumer segments (14), First Data on the heels of its record- breaking IPO (30), PayPal post-eBay (36) and Global Processing Services as it takes on its most challenging market yet—the U.S. (22). We also spoke with security (4 and 44) and compliance experts (66) about the myriad challenges of delivering what consumers and corporate clients want amid a complex maze of regulation—all while keeping fraudsters at bay.
Another key theme emerged during our interviews for this issue: being relevant. Seems obvious enough. But it’s the execution and e ectively driving customer engagement that get tricky. See how Discover is helping merchants and marketers do it (34) and  nd out why MasterCard is enabling payments in everything from your fridge to your jewelry (80).
We hope you  nd insights
in this issue to help you meet the demands of connected commerce. We welcome your feedback and look forward to another year of pushing the limits of what’s possible in payments.
Loraine DeBonis, Editor-in-Chief
volume 9 • spring 2016
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