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

G&D Board

Giesecke & Devrient has ankled Prof. Klaus Josef Lutz as Chairman of the Advisory Board and Supervisory Board. Also, added to the G&D Supervisory Board and Advisory Board is Achim Berg. Up until the middle of this year, he was the Chairman of the Management Board at arvato AG, a member of the board of management for Bertelsmann SE, and a member on the Supervisory board for the RTL Group.

Mobile Payments

One of the key challenges presently facing the mobile payments market is the high level of market fragmentation, defined both by the multiplicity of platforms/solutions technologies being deployed and the increasing range of service configurations being offered. This slows down merchant acceptance and makes it difficult for providers to gain scale. We expect the market to reach a point where consolidation among players and solutions becomes the best way to drive address this issue.