Welcome to the Tearsheet Podcast. I’m Zack Miller, Tearsheet’s editor in chief. Today’s guest is Steve Villegas, vp of payment partnerships in North America for PPRO. He works with acquirers and payment service providers to give them a single integration to offer a variety of local payment options to their customers. We explore a recent whitepaper PPRO published about how COVID has impacted consumer spending around the globes and disrupted payments particularly in cross border markets. We also discuss how the needs of the various players — from merchants to consumers — have changed during this period. Steve Villegas is my guest today on the Tearsheet Podcast.