Philip Andreae & Associates

Independent Consulting Firm Serving the Merchant, Issuing, Acquiring, Processing, Payment, FinTech, Investment and Advisory Community

Expert in Payments

  • Funded with Credit, Debit, Prepaid and Private Label programs
  • Payments executed using credentials in the physical and virtual realm
  • Carried on cards, in phones, cars, wearables and an array of connected objects
  • Based on standards such as EMV, NFC, 3D-Secure, ISO 8583, W3C, FIDO, OAUTH
  • Driven by the shift from simply shopping to the shopping experience
  • Where concepts such as connected commerce, AI, M2M are emerging

Expert in Identity and the growing need for Authentication in a connected world


  • Training
  • Strategic Thinking
  • Product Management
  • Program Management
  • Marketing and Business Development