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Andrew Hardie is an accomplished executive with extensive experience in financial services, fintech, and health technology. Currently serving as the Chief Executive Officer of Pay At Services since May 2017, Andrew leads a prominent payments service provider in Southern Africa. Prior roles include Chief Operating Officer and Head of Telcosurance at MMI Holdings Limited, where Andrew developed digital insurance initiatives, and Managing Director of Hello Doctor Southern Africa, an innovative m-health services company. As the founder of Envirovest Bioproducts, Andrew focused on sustainable bamboo projects, while previous roles at Old Mutual and Apprised Investments showcased proficiency in sales distribution and investment management, respectively. Andrew's career began in management consulting with KPMG, with earlier experience in financial management at leading investment banks. Andrew holds a Bachelor’s Degree in Economics from the University of Cape Town and completed education at Michaelhouse.