Robert McKinley, Senior Analyst/Editor Robert McKinley is an analyst of the payments industry on a daily basis for 32 years covering payment cards and payment systems from both the business side and the consumer side. McKinley is the retired founder and chief executive of RAM Research, CardWeb and CardTrak. In his prior position, McKinley has participated in more than 10,000 documented news media interviews, testified as an expert witness in two separate $billion+ U.S. anti-trust trials, testified before the U.S. Congress, assisted the GAO with paymentsIMG_2006 (1).jpeg reports, chaired numerous business conferences and provided C-Suite opinion to a multitude of Fortune 500 companies. In retirement, he has continued developing and funding digital media assets as well as contributing payments related analysis/content to a broad list of online publishers, including CardFlash, CardTrak and CardData. McKinley is also a national certified mentor with the non-profit SCORE organization with a focus on assisting Fintech startups. www.robert-mckinley.com

Fiserv Research Shows mPayment Bills Showing Sharp Increase

[ihc-hide-content ihc_mb_type=”show” ihc_mb_who=”0″ ihc_mb_template=”1″] Fiserv announced the number of mobile bill payment transactions processed through its biller direct solutions and MyCheckFree website tripled in the past 24 months, bringing the number of bill payment transactions from 4% to 15%. The “MyCheckFree” solution allows consumers to receive and pay bills from multiple companies at a single…

Heartland Deploys Ingenico EMV Software

Ingenico and Heartland Payment partnered on the development of E3 and EMV-capable attended terminals for rollout to Heartland’s relationship managers. Heartland selected Ingenico’s innovative Telium2 software technology, and will call on Ingenico’s global EMV expertise to help deliver its new flagship terminals and PIN pads. The processor will begin offering and deploying the new terminal to merchants across the country starting in the fourth quarter of 2013. Heartland will integrate its best-in-class E3 End-To-End Encryption solution into Ingenico’s EMV-ready terminals and PIN pads to fortify payment data protection and security for magnetic stripe and EMV transactions. Both EMV and E3 solutions are powerful card authentication and data protection tools when used individually, but when combined with a Telium2-powered terminal, they offer merchants the highest level of payment card security and risk mitigation.

Barclays Bank Deploys NCR Software Services

Barclays Bank of Ghana is giving 24-hour access to extensive financial services delivered at the ATM through its software. Having installed 29 NCR SelfServ 34 ATMs featuring intelligent deposit, allowing Barclays customers to deposit cash without an envelope and get immediate, on-screen validation of their deposit. The new ATMs will feature in-person bill payment and remittance software, so customers can pay a bill or send money to friends and family through the speed and security of the ATM and the Barclays brand. Through NCR’s remittance software, Barclay’s customers can send money to another person’s account in real time, using cash deposited at the ATM.

Consumer Confidence Show Continued Minimal Change

[ihc-hide-content ihc_mb_type=”show” ihc_mb_who=”0″ ihc_mb_template=”1″] The April Discover U.S. Spending Monitor was up .25% a point to 93.7, demonstrating continued stagnation in consumer confidence in the economy and their personal finances. Those rating the economy as good or excellent was around 18% while those rating the economy as poor was down one point to 46%, but…

Fiserv Appoints Former Blackberry Exec Mobile GM

Fiserv announced that Jim Tobin has joined the company as senior vice president and general manager, Mobile Solutions, Digital Channels. Tobin will be responsible for the strategic direction and day-to-day oversight of the market-leading Mobiliti™ mobile banking and payments solution from Fiserv. Mobiliti currently supports mobile banking, alerting and payments services for more than 1,000 financial institutions and millions of consumers in North America, Asia, the Pacific, the Middle East and Europe. Tobin was most recently Senior Vice President of Software and Services at Blackberry, formerly Research in Motion, where his responsibilities included work on mobile payments initiatives in collaboration with banks and telecommunications companies around the world. He also contributed significantly to Canada’s 2010-11 Task Force for the National Payments Systems Review. He holds an MBA from Harvard Business School, and a bachelor’s degree from Yale College.

USA Technologies ReIntros B2B and B2C mPOS

USA Technologies cashless payment and M2M telemetry solutions for small-ticket, self-serve retailing industries is showcasing ePort MobileTM”an extension of USAT’s flagship ePort Connect® service”at the 2013 ETA Annual Meeting & Expo, at the New Orleans Convention Center in New Orleans. ePort Mobile is a mobile acceptance solution for credit and debit cards that is supported by USAT’s ePort Connect® service, a comprehensive platform designed to make accepting credit, debit and other forms of cashless payment easy and scalable. USAT’s ePort Connect service is a turnkey service that includes everything from payments processing and customer support to additional services such as prepaid, loyalty and mobile marketing apps. At the ETA Show, USAT will be introducing ePort Mobile, in conjunction with its ePort Connect service, to potential ISO and distribution partners.

EFT Source Wins U.S. Patent on Instant Issuance Process

EFT Source turnkey card programs and personalization services for ATM and debit cards for financial institutions, announced that its instant issuance solution Card@Once received a patent from the United States Patent and Trademark Office, declaring its Payment Card Industry Data Security Standard (PCI DSS) compliant process as unique to the industry. Instant issuance technology allows financial institutions to instantly deliver financial transaction cards, reducing the delivery time from days to minutes. Card@Once’s patented branch card printer network eliminates the need for financial institutions to develop full infrastructure to support the printing of personalized payment cards. The Card@Once network is monitored 24/7 by EFT Source’s technical team to ensure any network issues are identified and eliminated immediately; thus removing unexpected technical delays for the institution.

Karnataka Bank Implements FIS ATM Outsourcing

FIS will supplement its outsourced ATM management and debit card processing for Karnataka Bank with additional ATMs. This new deal follows FIS’ recent announcement to significantly expand its ATM outsourcing operation in India. Once the two new ATM projects are fully implemented, FIS will manage approximately 11,000 ATMs across India. The agreement with Karnataka Bank further highlights the operational gains banks in India realize by outsourcing ATM driving and management to FIS. By outsourcing their ATM management to FIS, the bank will be able to focus on its core business expansion and customer service initiatives – allowing for more rapid growth while ensuring its customers have a high-quality, reliable ATM service. Under the agreement, FIS will be responsible for site preparation and implementation of new ATMs, transaction switching, cash management and post-implementation services that include preventive maintenance, caretaker services, help desk and operational monitoring.

paysafecard Embarks on New Markets

paysafecard group prepaid payment provider aunched its new product “my paysafecard” in Switzerland and Luxembourg. Customers across Europe now have the option to manage all their PINs in one account which gives users a full overview of the current balance and all transactions. Making a payment online is becoming easier and safer than ever before: Instead of having to enter individual PINs, customers can use “my paysafecard” to pay quickly and easily by using a unique user name and password. The system automatically combines the paysafecard PINs for each payment, ensuring that the remaining credit on the paysafecard PINs is always used up.

Diebold Resigns ATM Software Agreement for Major Bank

Bank Mandiri signed an agreement with Diebold to add 1,421 Opteva® 529 automated teller machines (ATMs) to its existing Diebold ATM fleet and network. Bank Mandiri provides secure and convenient access to a broad range of transactions through its 10,985 ATMs across the country. By offering a variety of advanced technologies and a strong service organization that delivers differentiating ATM availability, Diebold is able to meet the bank’s strategic business needs. The Opteva 529 cash dispenser boasts the industry’s smallest footprint while providing advanced functionality and enhanced consumer security. Its capacity and intelligent modules enable Bank Mandiri to forecast maintenance needs, driving increased efficiencies, maximized uptime and reduced operating costs. Diebold also provides the Bank Opteva 378 cash recyclers, Opteva 326 self- service terminals through on the Diebold Agilis 3.0 software platform.

Anderson Zaks Forges Latest Partnership

Anderson Zaks Omni-channel Payment Service Provider (PSP), is working with ECR Retail Systems (ECR) mPOS specialist, to provide secure payment options on ECR’s range of handheld point of sale terminals.The partnership enables ECR to deliver secure payments on the move to customers with mobile sales and service teams. ECR already has several high profile clients using Anderson Zaks’ RedCard Processing Service, including Irish Rail for its Rail Gourmet on-board food service, The Big Bus Company for street ticket sales and recent signing East Coast Mainline trains. ECR has been delivering outstanding handheld solutions worldwide for over 40 years and has 20,000 user licences. Unlike a mobile phone based solution, this dedicated handheld terminal incorporates a sector specific POS application, integral printer, smart card readder and secure PIN pad all in a single rugged device.