Embry is senior vice president of strategic development at Payment Alliance International, a Louisville, Ky.-based ISO and independent ATM supplier. She is also president of the MidWest Acquirers Association, a nonprofit group that provides training, education and networking for acquiring-industry professionals. She has worked in the payments industry for almost half a century.

She says the most interesting development in her segment of the payments industry is how the "mobile phenomenon" is changing the way business is done. "From wallets through couponing through the 'new experience,' all facets of the business are changing and rapidly," Embry notes.

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