Robert McKinley, Senior Analyst/Editor Robert McKinley is an analyst of the payments industry on a daily basis for 32 years covering payment cards and payment systems from both the business side and the consumer side. McKinley is the retired founder and chief executive of RAM Research, CardWeb and CardTrak. In his prior position, McKinley has participated in more than 10,000 documented news media interviews, testified as an expert witness in two separate $billion+ U.S. anti-trust trials, testified before the U.S. Congress, assisted the GAO with paymentsIMG_2006 (1).jpeg reports, chaired numerous business conferences and provided C-Suite opinion to a multitude of Fortune 500 companies. In retirement, he has continued developing and funding digital media assets as well as contributing payments related analysis/content to a broad list of online publishers, including CardFlash, CardTrak and CardData. McKinley is also a national certified mentor with the non-profit SCORE organization with a focus on assisting Fintech startups. www.robert-mckinley.com

Gemalto & DNA

Gemalto has been selected by the Debit Network Alliance (DNA), a consortium of leading U.S. debit network providers, to deliver EMV consulting services. Gemalto’s EMV Allynis Consulting Services are designed to accelerate the deployment of EMV, significantly reducing time between DNA’s business plan and go-to-market. Gemalto’s consultants recommended and executed a strategy that details card, terminal and personalization requirements. 

BIG 4 Q2 GAC

Gross or open accounts (GAC) for U.S. credit cards among the nation’s four largest issuers climbed 2.0% in the second quarter to 187.4 million, compared to 183.7 million one-year ago. The growth is driven by Capital One, while Chase, Bank of America (BofA) and Citibank face year-on-year (YOY) and quarter-to-quarter (QOQ) GAC erosion. However, BofA posted a slight YOY gain.