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

CINEO C2020

Wincor Nixdorf has unwrapped its new automated teller machine (ATM) on the market that enables customers to withdraw cash using a smart phone or a near-field communications (NFC) card. The system’s innovative design is intended to appeal especially to digital natives who have grown up with digital and mobile technologies.

U.S. CC 90+ DEL

The average U.S. 90+ day delinquency rate among the nation’s four largest issuers will likely rise 2 basis points (bps) to 0.94% for the third quarter according to RAM Research. The average U.S. 90+ day delinquency rate among the nation’s four largest issuers declined 9 basis points (bps) sequentially, to a record low of 0.92% for the second quarter, compared to 1.01% in the prior quarter and 1.00% one-year ago, according to CardData.