Robert McKinley, Senior Analyst/Editor Robert McKinley, with 33 years experience covering payment cards and payment systems, is Senior Analyst/Editor for CardFlash and other payments-related publications. He is the retired founder and chief executive of RAM Research, CardWeb and CardTrak. McKinley served as an expert witness in 100+ litigations including two multi-$billion trials, testified before the U.S. Congress, chaired multiple payments conferences, hired as consultant by Fortune 100 companies and several overseas financial institutions. Full Bio: www.rbm4.com

Chase 3Q/15

Chase, the nation’s largest bank credit card issuer, continues to struggle with real growth as third quarter (Q3/15) outstandings inched upward by a mere 2% year-on-year (YOY) and purchase dollar volume (PDV) posted a weak growth rate of 6.%. Furthermore, Chase is consistently signing up 2.1 million accounts per quarter, while losing 3.0 million accounts YOY.