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Andrew Marshman

Andrew Marshman

Account Executive, Merchant Retail

Andrew Marshman

Andrew has worked in the payments industry for more than 20 years during which time assignments have taken him from India to Iran, London to Libya and Johannesburg to Jakarta. He currently manages ACI’s relationships with blue chip retailers, whom he seeks to advise and inform.

Whilst running Marathons, Andrew has time to contemplate the world of payments which helps him forget the pain.

More articles by Andrew Marshman

  • coop pay in aisle launch scan

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

    Monday, June 22, 2020

    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

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

    Wednesday, April 22, 2020

    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

    Get Customers to Race Through Your Payments Funnel

    Thursday, August 29, 2019

    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.

  • Payments and Fraud: The Paradox Twins

    Payments and Fraud: The Paradox Twins

    Wednesday, May 15, 2019

    Digital commerce through web and mobile is where merchants predominantly experience shopper growth today.  This has become a hugely important domain for their focus.  It offers a means for international growth, new market penetration and a way to engage with shopper-hungry Millennials in their culture.  Merchants frequently adopt a Digital-First, eCommerce-First or Mobile-First strategy to ensure full corporate buy-in to this strategy.

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

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

    Tuesday, May 14, 2019

    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.

  • non-functional requirements for merchant payment vendors

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

    Wednesday, March 27, 2019

    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!

  • phygital - ecommerce comes to a store near you

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

    Tuesday, January 29, 2019

    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.

  • Challenge of Omni-channel

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

    Tuesday, October 03, 2017

    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 payment systems

    Vanilla Payments Don't Always Cut the Mustard

    Wednesday, September 06, 2017

    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.

  • Card payment complexity

    Are Card Payments Getting Simpler... Or More Complex?

    Monday, March 27, 2017

    2017 is now well underway, and the trends that will shape the year ahead in payments are taking shape. There has already been plenty of discussion around frictionless payments, and reducing complexity for both consumers and for merchants. So, are card payments getting simpler, or more complex? The answer seems to be… both.