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Small and mid-size merchants have some big decisions to make with EMV that will have an immediate impact on their business. It is imperative that we help them get it right the first time. Simply put, EMV is not just another payment method, it is a driving demand for better security features within the POS, opening up more avenues for technology and forcing habits to be broken.


Security is knocking at the door

Security seems to be leading the conversations around EMV, but EMV alone does not solve the infestation of criminal activity. Sixty percent of small businesses go out of business within 6 months after a data breach, and 71% of data breaches target small business (National Cyber Security Alliance, August 2014). As a trusted partner to our merchants, we need to help close the gap in all areas around data theft. It is well known that EMV technology has been around for more than a decade, but criminals have not stopped, instead they target other vulnerabilities.


How we can we help you become more secure?

I will outline a proactive approach to help our customers. The first objective is to remove sensitive data from the payment application entirely. Vantiv offers both point-to-point encryption and tokenization. Enabling these features within your payment application renders data unusable from the point it is accepted to the time it rests. Next is training and not just at the merchant level, but security training awareness for merchants, Value added resellers and Point of sale developers. A simple program that reviews the basics and teaches employees what to look out for goes a long way in protecting everyone’s best interest (protecting card data). Finally, ensure checks and balances are in place. We all make mistakes, but sometimes they can be costly. Placing two or more people in charge of security helps reduce mistakes and keeps unintended or intended consequences from arising.


EMV...paving a path for the future

As I mentioned earlier, EMV is having a spiral effect on the industry. Most merchants are planning on updating to EMV capable solutions. But it shouldn’t stop with EMV. Payment applications need to be built for the future. The mobile frenzy has already launched, but the adoption is just starting to make its presence and enabling your payment application to support features like Apple Pay and Android Pay help drive long term success. With more adoption in the mobile market, merchants will be looking to capitalize on every opportunity. One challenge Vantiv has solved for is linking eCommerce with other channels to provide the ultimate OmniCommerce experience. According to recent Vantiv/Mercator Insight Series research, mobile devices are not only opening new channels for consumer interactions, but they are also changing the way that consumers behave in all channels.


Change is unavoidable

There is no doubt about it, EMV will force new habits and retire the old. Americans have become accustomed to doing things quickly, fast food restaurants, 10 minute abs, self-checkout and more. Restaurants will most likely see the greatest changes to their environment. EMV is designed to keep the card in the consumer’s hand. Integrating with Vantiv will enable payment applications to utilize tokenization to add gratuities, eliminating that awkward moment when the consumer has to add the tip in front of the server. What about bar tabs? EMV requires the consumer to confirm the amount during the authorization, eliminating a convenience we are all use to. For EMV to be gracefully accepted, we need it to be successful both at the consumer and merchant level. Providing a merchant with just an EMV solution will not work in today’s fast environment. Enabling NFC technology, Omnicommerce and tokenization are three tools that Vantiv provides creating a balance for both the consumer and merchant.




With all this talk of bitcoin scaling, the August 1st bitcoin network fork, segwit, segwit2x, BCC, BTC and other general craziness going on in the bitcoin space... and the competing incentives between bitcoin miners and bitcoin users, I've been looking under the hood to get a better understanding of what is really going on.

bitcoin splitting into 2.png

TLDR; Bitcoin is splitting into two coins (BTC & BCC) because of competing incentive structures pitting one group of miners against core developers. The miners fork called BCC (Bitcoin Cash) will have 8 MB block sizes allowing for more transaction throughput, but will not enable off-network payment channels. Core developers fork is based on SegWit2x, which will increase throughput and also enable the lightning network payment channel that lays the ground work for very low cost off-chain transactions. The community at large seems to be behind BTC/SegWit and many people have suggested BCC will not get enough miners on their side to survive, but only time will tell.

bitcoin miners and users.png

One way to think about bitcoin that is helpful in understanding the current affairs is this: bitcoin is a collection of individuals who have all decided to have the computers that they control run the same code (network protocol) that keeps track of who owns which bitcoins. There are miners who do work to process each transaction and cryptographically secure the network and get paid fees and block rewards for doing this work. There are users (represented by the bitcoin core developers) who execute transactions on the network. Each computer (miner and user) that participates in the network has it's own copy of all the transactions that have ever happened, this is why the technology can generally be referred to as decentralized ledger technology (DLT).

bitcoin growing pains.png

This copy of all transactions that have ever happened is called the bitcoin-blockchain. The code/network protocol that each of the computers run has a set of rules that everyone agrees upon that decide how new transactions are written to the bitcoin-blockchain. As long as the network agrees that a transaction is valid, then, the transaction is written to the bitcoin-blockchain, distributed to each node, and is forever held as a true/non-contestable transaction, this feature is called transaction immutability. Due to the growing popularity of bitcoin, the technology has been having growing pains and the network protocol needs to be updated in order to handle more transaction throughput and reduce transaction fees.

40 billion in bitcoin.png

The competing ideas for how to scale the network illuminate the careful balance of incentives that the original implementation of bitcoin created that has enabled the bitcoin network to continue to grow and become a stable and secure place to store value. At the time of this writing, there is around $40 billion dollars of value stored in bitcoin. For miners, they would like to have the solution based upon larger block sizes - BCC will fork bitcoin and start mining 8 MB blocks on August 1st. That means that each new block in the BCC blockchain is able to hold more transactions, thereby increasing transaction throughput. Because miners make money by writing transactions into blocks, this direction to scale the network is preferred by these miners because they are able to continue to collect transaction fees because all transactions will be written to a block. For users, and the bitcoin core developers, they are moving towards what is called SegWit2x. This is a combination of a proposal called Segregated Witness with the promise to increase block size to 2 MB in the near future.

bitcoin lightning network.png

What is interesting about the segregated witness solution is that it enables payment channels, specifically in bitcoin, called the lightning network. Payment channels allow for the creation of off-chain transactions that can be very low to zero-cost. This has the potential to allow for online micro-transactions and small transactions which could lead to broader interest by merchants to accept this as a form of payment because of the lower transaction fees. Payment channels are very promising and there is a lot of research and development going into building out use-cases.


Payment channels reduce fees because the only time a transaction is written to the blockchain is when you open and close a payment channel. A payment channel can be opened between 2 or more parties by having at least one of those parties lock funds into the channel. Once the payment channel is open, the parties conduct transactions with those locked funds among themselves that are instantaneous and have zero transaction fees. One very interesting aspect of payment channels is that they can be networked together to form a chain of transactions between parties that do not directly have a channel open between them, but are connected via a network of open payment channels. For example, if I have a payment channel open with Dan, and Dan has a payment channel open with Josh, Josh and I can transact with each other by using Dan as an intermediary payment channel even though Josh and I do not have a payment channel open between us. Payment channels are a very promising area of research for crypto-currencies and this may be the path that we see being followed that will allow for low cost transactions, online micro-payments, and low dollar amount retail transactions between parties whether they be P2P, B2B, B2C, or C2B. Once a payment channel is closed, the value of all transactions conducted within that channel is settled on the blockchain.


For a really good technical deep-dive on how payment channels work, I highly recommend these videos.


Jackson Palmer runs it down in 15 minutes: what are payment channels? (eg. the lightning network) - YouTube

Technical deep dive on the lighting network: SF Bitcoin Devs Seminar: Scaling Bitcoin to Billions of Transactions Per Day - YouTube


Lightning network white paper:

For more information on the bitcoin payment channel lightning network: Lightning Network

Payment channels on the Ethereum network: Raiden Network


Thank you for taking the time to read this post, please leave any questions or comments below!

They say if you love what you’ll do, you’ll never work a day in your life…


wave-payment-facilitator-payfac-vantiv.jpgUnfortunately, that’s only one part of the equation that many small business owners consider when starting up their own business.


Each year, more and more crafters and makers are ditching their corporate jobs to pursue their personal passions by starting up their own micro-businesses.  These include everything from hair stylists to bakers, consultants, and more. Consumers are drawn to them because of their agility and greater ability to offer a much more personalized service.


Starting up a microbusiness is a thrilling endeavor, albeit bittersweet upon learning that there’s more to running a successful business than simply being exceptional at a particular craft.  Fast forward to fruition, these impassioned artisans find themselves working extremely late nights, sleep deprived, family lives compromised and far too often less passionate about their craft than when they started. 


Sadly, this is often the way the story unfolds; the administrative, operational and financial demands of running a business overcomes the owner with overwhelming demand.


Vantiv Payment Facilitator (or PayFac ™) Wave, is not just empowering small business owners; in a sense, they are helping to preserve their passion… and their sanity, so that they can continue to do more of what they love.

The payroll, accounting, and even payment acceptance all add up (among other things) and put a hefty toll on the demands of all business owners.  Enter Wave, whose free software nicely takes that burden away, allowing small business owners to do more of what they love and less of what keeps them away from their personal lives.


Learn more in this month’s Developer Tracker, powered by Vantiv.


Download the Report

It's Vantiv ONE's birthday! We're celebrating with five days of fun for the TechTribe, including contests, a Twitter takeover, a webinar with our buddies at Microsoft, and more.

Check out what mcafiero and I are looking forward to this week:


1. Counting the costs

Whether you’re a merchant or ISV, cost of payment acceptance is always a consideration.  Pricing models can vary with some gateways offering percentage-based fees and others offering interchange plus rate structures. One approach is not necessarily better than the other, but pennies per transaction can add up fast. Check into fee structures carefully, and make sure you thoroughly understand the costs.


2. Authorization success rates

While cost is important, the percentage of successfully authorized transactions can be even more important. If a significant percentage of purchases result in improper declines, you’re basically turning away business. This is an area where not all gateways are created equal.


3. Type of bank account and deposit schedules

For serious merchants, a proper business merchant bank account is recommended. If you’re small, and new to eCommerce however, some gateways allow funds to be deposited into existing bank accounts. Understanding the nature of bank accounts required, their costs, and how quickly funds are available is important for any business.


4. Support for card present applications

When people think about payment gateways, they often think in terms of eCommerce or Mobile payments.  In fact, some gateways handle card present, point of sale solutions as well.  For retailers, in-store sales are often much greater than on-line sales.  To avoid fragmenting volume across providers, and to provide a seamless experience in-store, in-app and over the web, a gateway that supports both in-store and eCommerce transactions may be preferred.


5. Ease of integration

Whether you’re an ISV, are integrating to a gateway yourself, or are relying on a third-party for a pre-built solution, ease of integration is important. If integrations are difficult or require significant ongoing maintenance, costs are passed on to merchant in the form of higher fees. Selecting a well-supported gateway with a good developer experience will pay dividends down the road.


6. Throughput & performance

Merchants often don’t think about performance, but this is another area where mileage can vary. The further a gateway is from a major payment processor, the more network “hops”, and the longer transactions may take.  In the age of mobile apps and “tap to pay” at busy quick-serve establishments, seconds count.  Consumers and merchants want efficiency, and performance can affect the bottom line.


7. Security, encryption and PCI scope

With an abundance of cyber threats, strong security is now table stakes.  Merchants simply demand it because the cost of a breach has become unacceptable. For developers and ISVs however, delivering strong security can come at a cost.  Developers should look for payment gateways with strong security capabilities both online and in-store. These include encryption, tokenization, EMV support, and software approaches that help them reduce PA-DSS scope by avoiding the need to handle cardholder data. If gateways support strong security features, developers can save time and certification costs, and will be able to pass savings on to their merchants.


8. Multi-currency support

For US merchants selling internationally, multi-currency support can be a plus. While merchants can always accept international cards, and settle payments in US dollars, foreign consumers often prefer to shop in their own currency rather than be surprised by sometimes excessive exchange rates.  While not essential for international sales, multi-currency support can help online merchants improve conversions and boost revenue.


9. Breadth of processors and payment methods supported

There are many types of payment gateways. Some have affinities to particular banks, and others to specific methods of payment.  Merchants and developers should look for a gateway that supports the broadest range of payment methods including in-store payments and various mobile wallets. If a gateway can support multiple payment processors as well, this is a bonus because it provides added flexibility for merchants.


To Learn more about payment gateways and how they can impact your business, download our free whitepaper, Is Your Payment Gateway Right for your Business?

I first heard about The Ideal Team Player during a podcast interview with author Patrick Lencioni and thought to myself, “Hmmm … maybe I should add that to my reading list.” Then I discovered that two of the most respected VAR/ISV hybrid companies in our industry highly recommend The Ideal Team Player – one owner said it’s required reading for his management team – so I bought a copy right away.


The book includes valuable concepts and simple-to-apply techniques for identifying, hiring, and managing people to become better teammates. It’s divided into two parts – a fable about a small business followed by details about the Ideal Team Player model.


Following are 29 insightful quotes from The Ideal Team Player that apply to ISV organizations:


  1. Some people are better at being team players. They're not born that way, but either through life experiences, work history, or a real commitment to personal development, they come to possess the three underlying virtues that enable them to be ideal team players: they are humble, hungry, and smart.
  2. Defining the three virtues. Humble: Humility is the single greatest and most indispensable attribute of being a team player. Hungry: Hungry people are always looking for more. More things to do. More to learn. More responsibility to take on. Smart: Smart refers to a person’s common sense about people.
  3. When a team member lacks one or more of these three virtues, the process of building a cohesive team is much more difficult than it should be, and in some cases, impossible.
  4. These three qualities are to teamwork what speed, strength, and coordination are to athletics — they make everything else easier.
  5. A real team player is the kind of person who can easily build trust, engage in healthy conflict, make real commitments, hold people accountable, and focus on the team's results.
  6. Hire people who are hungry, people who go beyond what is required, who are passionate about the work they're doing.
  7. If even one of the qualities is missing in a big way, you've got yourself a jackass.
  8. We want to be an odd company, in a good kind of way. People who don't fit should think we're a little strange.
  9. Most training and development comes down to how much a person wants to change.
  10. I refer to these as “virtues” because the word virtue is a synonym for the nouns quality and asset, but it also connotes the idea of integrity and morality.
  11. In some people, hunger can be directed in a selfish way that is not for the good of the team but for the individual.
  12. Healthy hunger is a manageable and sustainable commitment to doing a job well and going above and beyond when it is truly required.
  13. Smart people just have good judgment and intuition around the subtleties of group dynamics and the impact of their words and actions.
  14. Humble, hungry, and smart weren't necessarily core values, but they were critical hiring and developmental criteria for any organization that wanted teamwork to be central to its operations.
  15. Could a person fully practice the five behaviors at the heart of teamwork (trust, conflict, commitment, accountability, and results) if he or she didn't buy into the idea of being humble, hungry, and smart? The answer was a resounding no.
  16. By doing thorough interviewing and selective reference checking, a manager can hire people with a high degree of confidence that they'll be ideal team players.
  17. Hiring best practices: Don't be generic: Too many interviews are so generic that they provide little or no insight into specific attributes.
  18. Debrief each interview as a team: Interviews should debrief quickly after each interview, specifically around observations related to humility, hunger, and people smarts.
  19. Make interviews nontraditional: I like to get out of the office with the candidate and see him deal with people in an unstructured environment.
  20. Ask questions more than once: If you're not sold on the response, ask in a more specific way, and you will often get a more honest answer.
  21. Ask candidates to do some real work: Give a simulated work project. See how people perform in real-world situations so you can discern whether they are humble, hungry, and smart.
  22. Don't ignore hunches: If you have a doubt, don't ignore it. Keep probing. Assuming that a person has the virtues of a team player is a bad idea.
  23. Scare people with sincerity: One of my favorite ways to ensure that I'm hiring people who are humble, hungry, and smart is to come right out and tell them that these are requirements for the job.
  24. Knowing whether a person has people smarts is difficult to discern by asking a specific question. What is more important is observing her general behavior during an interview process and the way she answers questions.
  25. Perhaps the most important question that interviewers can ask to ascertain whether a candidate is smart is one that they should ask themselves: Would I want to work with this person every day?
  26. While this tool is quantitative, the real value will be found in the qualitative, developmental conversations among team-members and their managers.
  27. The most important part of the development process, and the part that is so often missing, is the leader’s commitment to constantly reminding an employee if she is not yet doing what is needed.
  28. Ideal, in the context of this book, does not mean perfect.
  29. Great cultures tend to be appropriately intolerant of certain behaviors, and great teams should be quick and tactful in addressing any lack of humility, hunger, and people smarts.


In addition to the wisdom in the book, Lencioni provides free assessment tools and other supporting information through his company’s website:


If you’d like to talk more about The Ideal Team Player and how to improve your ISV business, please reach out to me. My job as a Reseller & ISV Business Advisor for Vantiv’s PaymentsEdge Advisory Services is to work with Vantiv partners to help them with hiring right, developing staff professional development programs, improving customer service, and more. Just drop me a line at and we can set up a time to talk.



For more On the Edge content, please visit the Vantiv Partner Advantage website.


Jim Roddy is a Reseller & ISV Business Advisor for Vantiv’s PaymentsEdge Advisory Services. He has been active in the POS channel since 1998, including 11 years as the President of Business Solutions Magazine, six years as a Retail Solutions Providers Association (RSPA) board member, and one term as RSPA Chairman of the Board. Jim is regularly requested to speak at industry conferences and he is author of the book Hire Like You Just Beat Cancer.

If you are curious to start learning how smart contracts work, this blog post takes you through the steps I've taken to register a domain name using a decentralized app (dApp) running on the Ethereum network.


You may want to register a .eth web domain name so that your site lives and breathes the Ethereum network.  In order to do this, you can install the Metamask chrome plugin.  This is an Ethereum wallet that plugs into your web browser and makes it possible to interact with Ethereum enabled websites (dApps), such as the one where you bid on .eth domain names.


Get Metamask here: MetaMask


It is important to note here that securing your Metamask wallet account is very important.  If you lose you password and pass-phrase, you will not be able to get back into your account and any funds in the account will be lost forever. This is one of the effects of using a de-centralized network, there is no central authority that holds your account and can help you recover a lost account, the account is a feature of the network and you are solely responsible for the security of your account!


With that said, after creating a wallet account in Metamask, you will need to put Ethereum into the newly created wallet. I already have a Coinbase account with some Ethereum in it, so it was very easy to scan the QR code on Metamask with my Coinbase app and send some money to the Metamask wallet.


If you don't have a Coinbase wallet you can sign up for one here: Buy/Sell Digital Currency - Coinbase


We strongly recommend that you use 2-factor authentication with your Coinbase account, and the most secure method is a validator app, such as Google Validator.


If you would like to send me some Ethereum, here is the QR code for my Metamask account!


Screen Shot 2017-07-16 at 12.15.59 PM.png


Now you should be all set up and have some Ethereum in your Metamask wallet.  Now to register a domain name on .eth, browse to the registration dApp.


Registering domains is governed by a smart-contract.  This is how the decentralized Internet works that is very different from the traditional web.  The rules of registering a domain are governed by smart-contract code, and there is no central authority, business, or entity that holds the contract for the domain once you enter into the smart-contract.  It's explained really well on the registration dApp site, so read here for more details:


Once you have found a domain name that you want to register, you will need to place a bid, this is really exciting because this is probably your first time executing a smart-contract that is running on the Ethereum network and writing the transaction state to the Ethereum blockchain, when I did this the first time I thought it was really cool and a bit like reaching out and touching the future!  Here is what it will look like when you execute the transaction in Metamask.


Screen Shot 2017-07-16 at 1.20.34 PM.png


If you look closely at the Metamask plugin, you will see that a transaction record is kept for each of the transactions that you have made.


Screen Shot 2017-07-16 at 1.30.17 PM.png


Bly clicking on one of those transactions, it will take you to the details of that transaction on the blockchain.  For example, here is the link to my very first ever smart-contract when I registered my first ethereum domain tonyrose.eth.



Screen Shot 2017-07-16 at 1.32.56 PM.png


Feel free to browse to my transaction and leave me a note in the comments section!


Screen Shot 2017-07-16 at 1.32.35 PM.png


Ok, that is it for this blog post.  On my next post I am going to explore developing a simple web-site with a basic smart-contract running on it.  Stay tuned for more!

If you're looking to level up in your developer knowledge during your commute, or have a road trip coming up and want to binge listen to something new, we recommend giving one of these podcasts a try. Do you have a favorite coder cast? Let us know in the comments!


The podcast that's like a happy hour with your smartest coworkers:

Front End Happy Hour

Front End Happy Hour is a five-star rated panel-style podcast that features software engineers from Netflix, Evrnote, Atlassian and LinkedIn talking over drinks about all things Front End Development, from starting a new job to style guide best practices.


For great stories from coders:


The CodeNewbie podcast is for (as the title says) coding n00bs. Host Saron Yitbarek interviews a different guest each week, and they discuss their coding journey, how they got their first coding gif, and more. We really liked the recent episode "Mental Health talks from Michelle Morales and Greg Baugues". Michelle, a researcher and web developer at the Futures Initiative, talked about using open source tools to better diagnoze depression, and Greg, the Manager of Twilio's Developer Community shared his personal struggles with ADHD and bipolar disorder.


For great interviews:

Away From the Keyboard

Away from the Keyboard is a five-star rated podcast that talks to technology experts and tells their stories of how they started, how they grew, how they learned, and how they unwind. It’s hosted by two software developers: Cecil Phillip and Richie Rump. We dig it because you'll hear everything from business insights to info on home brewing.


For education and tech news:

Software Engineering Radio - The Podcast for the Professional Software Developers

Software Engineering Radio is an educational podcast for professional developers. The 1 on 1 interview-style episodes cover everything from new tech and hot topics in the software industry to the philosophy behind web development frameworks. This is great for techies who want to stay on top of tech trends, and who love a deep technical dive into software engineering topics.

Every month, Vantiv and team up to deliver the latest news in developer spaces. Here’s the overview of the Developer Tracker published in June 2017.


apple-pay-and-omnichannel.jpgIn the growing pursuit of health and longevity, and any of the facets with which they encompass, success within the health industry no longer relies on great products alone.   Health and wellness companies must possess a greater understanding of their customers beyond the product itself, who now desire a truly personalized experience; from the products that meet their specific needs, the channels of communication they prefer, to the experience that defines their transactions.


The greatest challenge for any new company in this industry is having the broader intuition and all-encompassing understanding of their target market.  Much of NutraClick's success can be attributed to their customer-centric approach, both from a product standpoint to a more widespread understanding of consumer behavior.


June's Developer TrackerTM provides business leaders from all industries with an omnichannel case-study that we can all learn from in today's evolving world of payments.


The most profound of NutraClick's strategy is the simple concept to zig where others zag.  Most health product companies tend to follow a predictable strategy upon getting to market; often this strategy includes elaborate photo shoots with sponsored athletes in an effort to influence with images that are assumed to inspire the masses.  NutraClick took a different approach, and decided to instead focus on the buying behaviors of their target market and make the purchasing experience more appealing and convenient. 


That, and a more sincere effort to help their buyers reach their specific wellness goals are some of the ways that NutraClick broke free from the status quo marketing in their industry, to create a more loyal culture of customers.  One particular initiative includes the integration of Apple Pay, both online and in-app. 


Download the report

blockchain hacker team call.png

Are you interested in exploring and coding real life use cases on the blockchain?  Explore micro-payments, cross-border-payments, low-zero-transaction-fees, decentralized markets, self-sovereign-identity, crypto-currencies, smart-contracts, bitcoin, ethereum, ICO's and more with us!


Join a team that already has a track record of winning blockchain hackathons!

Vantiv & Voatz Team Up To Win Blockchain Hackathon!


Email for more details...


Here is the Hackathon we're going to: FinTech Week: FinTech & Blockchain Hackathon Tickets, Fri, Aug 4, 2017 at 6:00 PM | Eventbrite

Jennifer Guidotti young coder.jpg

Jennifer Guidotti is a junior at the University of Colorado-Denver, where she is studying to become a software engineer. This summer she is interning with Vantiv's API-Payments team in Denver.


What interested you in Vantiv for a summer internship?

I have several friends who are also interns at Vantiv and have just raved about how awesome this company is. They have learned so much since they started here and have really enjoyed the mentorship and positivity that this company and department has provided.


What have you learned during your internship?

Since starting at the beginning of May, I have learned the overall application development process. Before starting with Vantiv, I had zero exposure to an agile development environment, therefore it has been a great learning experience to be working with this team. So far, I have spent most of my time learning the Java programming language and working with the Spring Application Framework that the Vantiv API Payments Team currently uses to build their APIs.


Jennnifer Guidotti young developer.jpg

What do you like about your internship?

Since the day that I walked in, the entire team has been so encouraging and motivating. Not only are they teaching me the different processes and applications, but sharing best practices and experiences. So many of the current software engineers were once an intern like I am. They are continuously improving – having sat in on numerous white board sessions and lunch-and-learns, I have seen that there are always opportunities to gain more knowledge. My coworkers have a winning attitude – the daily stand-up meetings show that no team member is ever permanently stuck. If there was a roadblock, we all pitch in to find a solution, and people took ownership over their tasks. The teams that I work with are not only collaborative, but have strong team relationships. I can tell they value and trust their teammate’s contributions, and have a lot of respect and appreciation towards one another.


What are your goals for the future?

For the next two years, I will be focusing the majority of my time on finishing school where I am currently working on a Bachelor of Science in Computer Science. After that, I have to say that this internship experience has really confirmed my choice to become a software engineer. The positive, yet challenging, experience that I have gained here has inspired me to continue to be focused on application development. I love APIs!

"One man with courage makes a majority."


You weren’t alive in the 1800s when U.S. President Andrew Jackson is supposed to have made that statement, but his words apply to software developer executives and staff members in 2017. Whatever your title is at your ISV organization, you have the ability to ensure important initiatives move forward no matter what the world throws in your path.


You have the ability to be a juggernaut – a sustained unstoppable force that crushes whatever obstacles are in its path. Imagine a massive rock. You have to push it hard to get it started and, at first push, it barely moves. You keep pushing, and each time it moves a little more. Eventually, after intense effort, you can keep the rock moving without pushing as hard. Eventually, it’s rolling on its own and can’t be stopped. The problem is that if you stop pushing before it rolls on its own, it comes to a stop.


You must be a juggernaut to achieve important goals and initiatives for your organization. You become a juggernaut by understanding company best practices and being consistent in your desire for continual improvement.


Sustaining a juggernaut’s momentum long-term takes a combination of passion and systems. The passion comes from high-energy team members aligned with company objectives. Best practice systems integrated into the organization will ensure that the momentum of the initiative never wanes.


Here are some quotes about being a juggernaut (a former co-worker of mine called it “juggernautiness”) from some excellent business and leadership books that I’ve read. I think President Jackson would have agreed with these:


  • “One of the most common causes of failure is the habit of quitting when one is overtaken by temporary defeat.” – Napoleon Hill, Think And Grow Rich
  • “Companies are pretty good at starting things, but not very good at following through with them.” – Brad Hams, Ownership Thinking
  • “The reality that deliberate practice is hard can even be seen as good news. It means that most people won’t do it. So your willingness to do it will distinguish you all the more.” – Geoff Colvin, Talent Is Overrated
  • Never give in, never give in, never, never, never, never — in nothing, great or small, large or petty — never give in except to convictions of honor and good sense. Never yield to force; never yield to the apparently overwhelming might of the enemy.” – Jim Collins, How The Mighty Fall



For more On the Edge content, please visit the Vantiv Partner Advantage website.


Jim Roddy is a Reseller & ISV Business Advisor for Vantiv’s PaymentsEdge Advisory Services. He has been active in the POS channel since 1998, including 11 years as the President of Business Solutions Magazine, six years as a Retail Solutions Providers Association (RSPA) board member, and one term as RSPA Chairman of the Board. Jim is regularly requested to speak at industry conferences and he is author of the book Hire Like You Just Beat Cancer.