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

EMV Toolkit

Visa has introduced an EMV toolkit to help business owners manage the transition to chip technology for credit and debit cards. VisaChip.com/BusinessToolkit provides merchants with a 10-step implementation guide, downloadable tools and resources, and a module to train employees on accepting chip cards at the point-of-sale (POS).

Plenti Card

American Express has corralled nine major U.S. merchants to form the first U.S.-based coalition loyalty card program. The new Plenti card and/or FOB can be used any form of payment that the partner accepts at checkout – cash, credit, debit or prepaid and offers cardholders the ability to double-dip with other rewards payments cards.

BAWAG Cardless ATMs

Austria’s BAWAG PSK has become one of the first banks in Europe to introduce cardless cash withdrawals at ATMs in all its branches. The technology enabling the new service is Wincor Nixdorf’s software platform PC/E with a smart client component that runs on the ATM, and a server component that authorizes the withdrawal via the code.