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

Debt Savings

While 54% of Americans report that they feel happy when they save money, more than a quarter (28%) report that they always or very often spend their savings, according to a new survey released today by Capital One Bank. The Capital One 2015 “Challenge Your Savings” report reveals that more than a third (36%) of Americans say their income is not high enough to allow for much savings and on top of that, when they do save, the top reason is to pay off debts.

BillingTree 3.0

BillingTree® announced it has once again successfully passed the PCI-DSS audit, this year audited under the new PCI 3.0 standards. The new PCI-DSS is designed with an increased focus on operational standards, security and training to provide greater clarity, flexibility and ease of implementation for vendors. The latest announcement is a continuation of BillingTree’s commitment to remaining at the leading-edge of industry compliance.