Andrew Marsh is a seasoned professional with extensive experience in the payments and financial services sectors. Currently serving as Managing Director at Efficacy Payments (PTY) Ltd since March 2019 and Commercial Executive at Crossgate Technologies (PTY) Ltd since April 2016, Andrew has a proven track record in business development and client relationship management. Prior roles include Business Development Director at Visa, where Andrew was responsible for enhancing brand and profitability through strategic partnerships, and Head of Co-Brands at Standard Bank, overseeing Co-Brand Credit Card programs. Andrew's career began with various sales roles leading up to a managerial position at Nedbank within the Pick 'n Pay Go Banking joint venture. Academic qualifications include a BCom (Hons) in Marketing Management and a Bachelor of Commerce in Marketing from the University of Pretoria.