Paul  Grill

Paul Grill

Paul Grill is a Partner at First Annapolis Consulting, Inc. He manages the firm’s Mobile Commerce & Alternative Payments team and also co-manages the firm’s Card Issuing practice area. For nearly 15 years, Paul has leveraged his expertise in application of new technologies to support clients in developing successful products and business strategies. In the areas of Mobile Commerce & Alternative Payments, Paul works with financial institutions, MNOs, wallet providers, processors, and networks seeking to develop new product offerings in the rapidly growing mobile commerce arena. His subject matter expertise spans mobile use cases such as payments, offers, coupons, shopping, location-based services, banking, personal financial management, and P2P, as well as “traditional” e-commerce payments. In particular, Paul has provided advice on the launch of a national mobile payments initiative, the strategy for a shopping & offers oriented mobile wallet, and the market opportunity for TSM and related mobile infrastructure services. Paul’s expertise in the Card Issuing market includes de novo market entry analyses, account acquisition and portfolio optimization, outsourcing evaluation and negotiation, and strategic partnership formation (such as co-branding, affinity, and agent bank relationships). His issuing clients represent a variety of financial institutions (e.g., regional banks, multi-nationals), non-financial organizations seeking to develop card issuing capabilities, and card issuers in international markets. Paul is a frequent speaker at industry conferences and client executive forums, and has been featured in the media and events such as American Public Media’s Marketplace, the Chicago Federal Reserve’s Symposium on Immediate Funds Transfer for General Purpose Payments, the ETA’s Inaugural Mobile Payments Summit, and the American Banker. Prior to joining First Annapolis, Paul earned a MBA degree from the J.L. Kellogg Graduate School of Management at Northwestern University and worked for Goldman, Sachs & Co. 410-88-8539