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.

GOswiff PinPad

goSwiff mobile commerce and marketing launched a PINPad card reader to boost the efficiency and security of cashless mobile transactions across a range of markets. goSwiff’s pocket-sized PINPad card reader allows banks, MNOs and merchants to accept fast, safe mPOS transactions through their mobile devices on the go, so that no sales opportunity is missed. goSwiff PINPad is the only card reader in the market designed from the ground up for mobile payments in harsh environments. The goSwiff PINPad can cater to a wide range of mobile devices, offering great flexibility in terms of which platforms you wish to facilitate transactions on. With its Bluetooth V3.0 (Class II) connection, any mobile device is invited to take advantage of all that PINPad has to offer.

U.S. Chip EMV

Based on forecasts provided by acquirers representing approximately 80% of U.S. purchase volume at least 47% of U.S. merchant terminals will be enabled for EMV chip technology by the end of 2015. Also Visa announced it is kicking off a national awareness and education effort that will reach millions of U.S. cardholders and merchants with information about chip technology.

Obama Pay

While largely ceremonial, President Obama today signed an executive order at the Consumer Financial Protection Bureau mandating the use of smart payment cards in the U.S. for government payments. The payment transistion in the U.S. from mag stripe/signature card payments to Chip/PIN (EMV) is already underway and will be in full steam in 2015.