Andrew Marshman

Head of Business Development – Merchant Retail Payments & Fraud at ACI Worldwide

Andrew has worked in the payments industry for more than 25 years, during which time assignments have taken him from India to Iran, London to Libya and Johannesburg to Jakarta. He currently leads ACI’s sales to large retailers in Europe. Andrew’s focus is helping merchants to embrace the opportunity to serve customers in their omnichannel buying journeys securely and efficiently – while maximizing sales and minimizing costs. Whilst running marathons, Andrew has time to contemplate the world of payments, which helps him forget the pain.

Articles by Andrew Marshman

PSD2 and SCA


Payments Orchestration: Music to the Ears of Merchants?

Payments orchestration is about maximizing payment conversion in the most cost effective way. It involves working with multiple payment providers, acquirers and banks to optimize the customer experience, increase conversions, ensure regulatory compliance, enhance fraud prevention and enable global payments coverage.


Big Data, Bigger Potential: How Retailers Can Benefit From Payment Analytics

Our lives are now subjected to more statistical analysis than ever before.


Merchants Don’t Need a Payments Gateway, They Need a Payments Hub

The term “payments gateway” over-simplifies what it takes to process a payment. The terminology comes from the early days of online payment processing, but has now entered the vernacular for all aspects of merchant payments, including online, mobile and in-store.


The Co-op U.K.: In with the New Does Not Mean Out with the Old

I had the pleasure on May 19 to discuss The Co-operative Group’s consumer payments strategy with Paul Fletcher, Co-op’s Head of Payments. The Co-operative Group is a compelling case study within the U.K.’s convenience grocery sector; steeped in history and tradition, with a culture that demonstrates a real heartfelt pride in its mutual ownership origins. A nod to the past now seems to be a trend among big businesses, as they remind customers of their (usually) long-ago establishments and “origin stories.” But in the case of Co-op, it really does mean something, and it influences everything they do — payments included.


Rebirth of The High Street: An Unintended Consequence of COVID-19?

You don’t know what you’ve got until it’s gone. How true that is right now for the U.K.’s High Street (or for that matter local retailers in communities around the world) and our desire to shop.


Get Customers to Race Through Your Payments Funnel

No matter how good the products, how nice the website and how slick the flow, there are so many reasons why an eager prospective customer does not convert into a paying customer even after they have filled their basket. The buying decision has been made, but so often customers don’t complete the transaction.

Prime Time for Real-Time

Global Payment Trends
As the world adopts real-time payments, how does your market stand to benefit?


Open Payments Systems for Merchants: Don’t Close Down Your Options

Remember “Open Systems”? It was a big industry nom du jour in the 80s and 90s.  Every IT system had to be open and therefore flexible and future-proof.  Nobody can argue with the logic behind this; making systems easy to integrate with other systems, ensuring vendors could cooperate with one another; creating agility to improve time to market and drive down costs.


Why Non-Functional Requirements Should be a Few of Your Favorite Things

It’s not unusual for me to be questioned by retailers as to why some payment solutions are priced differently or more expensively than others – in fact, it would be unusual not to be asked those questions when dealing daily with procurement and finance teams of major multi-national multi-channel merchants!


Let’s Get Phygital: eCommerce Is Coming to a Store Near You

While payments vendors continue to pitch and strategize with a focus on omnichannel, the omnichannel story has already moved on. Make no mistake – omnichannel remains important and the best vendors have solutions that provide a single cloud payments service capable of delivering a single view of the customer across stores and digital channels. And the best retailers utilize these solutions to deliver efficient cross-channel shopping experiences. Meanwhile, many other retailers get by (though seldom rise to the top) with a siloed approach.


The Terrible, Horrible, No Good, Very Bad Omni-Channel Day

I have been proclaiming for some time that ‘omni-payment’ is the missing element in many retailers’ full omni-channel customer service offering. What I mean is that many retailers offer their goods and services in-store and through various digital channels, but payments are often still processed by different systems and operate in silos. There are downsides to this isolation, and challenges to overcome in consolidating payments systems.


Vanilla Payments Don’t Always Cut the Mustard

Five years ago, there was a clear trend among major brick-and-mortar retailers to bring in their own payments software. Except for very small retailers that used bank-owned stand-alone POS terminals, retailers wanted to own and operate their own systems – usually licensed products from a small number of specialist payments software vendors. This approach gave retailers flexibility, control and cost savings through centralization. Other than the bank-owned terminal approach, there were few viable alternatives.