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ISOs and agents are learning the power of merchant cash advances for differentiation, profit and retention. We explore that potential in this issue and also offer advice on whether to offer merchants an advance or a loan. Meanwhile, we look into vending machines as an opportunity for ISOs and conduct an inquiries into how ISOs and agents can nudge retailers toward data security. Last but not least, we urge ISOs to keep up with technology so that they can keep their clients informed.