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.

IoT Security

Employees may come to work with a compromised wearable device, or pull their hacked connected vehicle into the company parking lot. This creates a new type of cyber risk for organizations – with significantly increased complexity and exposure. As the Internet of Things increases the cyber “attack surface,” companies must broaden defenses to include the plethora of embedded devices that now make up their ecosystem.

UK Digital Banking

A new study has found the total value being moved through mobile banking apps in the U.K. is expected to double by 2020 while the amount of money being sent per week via online banking in the U.K. will rise 50%. Based on the new data, RAM Research calculates the number of mobile users and online users will grow at a Compound Annual Growth Rate (CAGR) of 16.33% and 6.02%, respectively.

InComm & KUBRA

InComm has partnered with KUBRA, a customer interaction management solution provider, to offer cash payment options to customers of KUBRA’s business clients. Through InComm’s Cashtie, a powerful API that links retail cash payments via an existing point-of-sale (POS) system to a software application, customers will soon be able to pay their bills in cash at the POS of over 40,000 conveniently located retail locations with many more on the horizon.