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:

Citi Q1/15

The nation’s fourth largest Visa and MasterCard issuer ended 2014 with declining outstandings, below industry average purchase dollar volume (PDV) and a slight uptick in delinquencies, but profits remained flat sequentially. Forecaster RAM Research projects Citibank (Citi) will post $64.1 billion in outstandings and $41.1 billion in PDV for the first quarter.