Philip Andreae & Associates (PA&A): Strategic Insight for Select Digital Futures
A Legacy Forged in Capital Markets, Pioneering Trust in Payments & Identity.
After five decades at the forefront of global finance and digital innovation, Philip Andreae & Associates (PA&A) now operates as a specialized consultancy for select, challenging assignments. As a semi-retired entity, PA&A offers unparalleled expertise for organizations seeking truly transformative guidance on the most intriguing and complex issues in the digital realm.
“My goal has always been to make sure the team considers everything,” Philip Andreae often states, reflecting a career defined by comprehensive solutions and the ability to bridge seemingly disparate worlds.
From Wall Street’s Trading Floors to Global Payments:
Philip Andreae’s journey began in the crucible of Capital Markets, managing critical technology and infrastructure for giants like Chemical Bank, Bankers Trust, Manufacturers Hanover Trust, Salomon Brothers, and Shearson Lehman Hutton in NYC and London. This high-stakes environment instilled a deep understanding of complex financial ecosystems and the imperative for robust, real-time systems.
“When I moved to payments in 1991, I realized it was a fundamental shift from ‘100 at a million to a million at a 100’,” Philip recalls. This insight captured the profound transition from high-value, low-volume capital markets to the mass-market, high-volume demands of global payments – a shift that would define his next three decades.
Why Engage PA&A Now?
The digital landscape is a tapestry of evolving challenges and unprecedented opportunities. PA&A brings not just experience, but a proven track record of architecting the very foundations of today’s secure digital interactions. We excel at:
- Pioneering Foundational Standards: As a primary architect of EMV, Philip Andreae literally wrote the specifications that now secure billions of payment cards globally. This work dramatically reduced fraud by 50
As one industry observer noted about the EMV standard: “It was nothing short of revolutionary, bringing competitors to collaborate for the greater good of the industry.”
- Foresight into the Future of Identity: Decades before their ubiquity, Philip was openly predicting the rise of digital wallets and irrefutable proof of digital identity. His early work with companies like GlobeID and Unicate laid the conceptual groundwork for secure, user-centric digital credentials.
A quote from his own early consulting materials captures this forward thinking: “Delivering proven results in business environments constrained by tight budgets, limited execution time frames and complex user requirements.”
- Driving National-Scale Adoption: In Canada, as VP of Emerging Products and Technologies at Visa Canada, he spearheaded the nation’s successful transition to Chip & PIN, positioning Canada at the vanguard of payment security. In the U.S., during his tenure at Oberthur Technologies (now IDEMIA), he became a leading evangelist for secure payments, tackling America’s unique challenges in EMV adoption head-on.
Reporting on the U.S. EMV migration, industry publications frequently quoted Philip Andreae, highlighting his role in explaining that “America’s late adoption of EMV was both a challenge and an opportunity… [putting] the nation in last place for EMV adoption and at the greatest risk for fraud.” (Reference: *Digital Transactions* or similar trade press from the 2013-2017 period)
- Beyond Payments: Securing Democracy: His most recent work with Voatz and the Government Blockchain Alliance extends his expertise into the critical domain of secure electronic voting, applying the same principles of integrity and trust honed in financial systems.
“Philip’s gift has been his ability to see connections others miss,” observes his biography, perfectly encapsulating his unique approach.
Interesting Assignments Welcomed
PA&A is now seeking engagements that are intellectually stimulating and offer the chance to make a significant, focused impact. If you have a complex problem in:
- Advanced Payments Architectures
- Digital Identity & Authentication Systems
- Blockchain Applications for Trust
- Cybersecurity Strategy in Transactional Environments
- Capital Markets Technology Evolution
- Strategic Consulting for Board-Level Challenges in FinTech
…and require a seasoned, independent voice with a proven history of delivering groundbreaking solutions, we invite you to connect. Let’s explore how four decades of unparalleled insight can benefit your next critical initiative.