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

UK Digital Banking

A new study has found the total value being moved through mobile banking apps in the U.K. is expected to double by 2020 while the amount of money being sent per week via online banking in the U.K. will rise 50%. Based on the new data, RAM Research calculates the number of mobile users and online users will grow at a Compound Annual Growth Rate (CAGR) of 16.33% and 6.02%, respectively.

IoT Security

Employees may come to work with a compromised wearable device, or pull their hacked connected vehicle into the company parking lot. This creates a new type of cyber risk for organizations – with significantly increased complexity and exposure. As the Internet of Things increases the cyber “attack surface,” companies must broaden defenses to include the plethora of embedded devices that now make up their ecosystem.