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.

Lynne Laube’s CardExecs database of card industry movers and shakers today features Lynne Laube, President, COO & Co-Founder of Cardlytics. The Company developed a suite of technologies that enabled banks to leverage consumer purchase data, ensure privacy for their customers and optimize a growing new channel ” online and mobile banking.

Marketing Expense Q3’s CardData financial database projects global marketing expense by the four payment card networks will slightly increase in the third quarter to $1578 million. Visa announced this week it will release its latest quarterly results on October 29th after the market close. MasterCard will report on October 30th before the market opening. American Express will report Q3 on October 15th after the market close. Discover reports October 21st after the market close.


Nedbank is deploying the Gemalto Ezio eBanking for wholesale customers. In addition to online transaction security, Gemalto also provides Nedbank with consulting services, device fulfilment to the end users, and operates remote management of the tokens on behalf of Nedbank Ltd. The Ezio Corporate eBanking PKI solution requires no software installation, eliminating costly technical support while guaranteeing high user satisfaction. Ezio also ensures session integrity even if the connection platform is vulnerable. The upgradable, multi-application platform can be remotely managed, enabling the bank to update certificates and deploy new services without the need for new hardware.