Expert view: the ACI blog

Dan Ring

Director of Public Relations

Posted on: Friday, January 23, 2015

Rantings with Ranta

This marks the inaugural edition of ‘Rantings with Ranta’, an ongoing blog Q&A with my colleague and digital banking guru Mark Ranta, which each week or two will touch on one of the myriad hot-button topics in the banking/payments industry—from mobile wallets to wearables, virtual currencies to the cloud, EMV to retailer omni-channel, banking regulations and much more. We start out the series with the Bank Branch, once a bastion of activity and complimentary lollipops that is trying to remain relevant.

Jamie Pearson

Product Manager, Payments, IR

Posted on: Thursday, January 22, 2015

Three secrets behind a truly successful payments partnership

In many ways, business partnerships can be likened to a marriage – they begin with enthusiasm and high expectations, but sometimes they can end up with bickering and an expensive divorce.

Paul Thomalla

SVP & Managing Director, EMEA

Posted on: Tuesday, January 20, 2015

Payments Innovation: Beware of Fancy Apps; It’s Time to Invest in Plumbing

2014 was the year when the Britain (and much of the rest of the world) fell in love with mobile payments. Hardly a day went by without a story about a new payment service or another cool new payments app. ApplePay was announced to the world with much fanfare and the London transport system went contactless.

Michael Grillo

Senior Product Marketing Manager

Posted on: Thursday, January 15, 2015

NRF 2015: It’s All About the Consumer Experience – and the Retailer

I just spent the last 5 days listening to, networking with and learning from some of the best and brightest in the retailing industry. Most of my focus and discussions were centered around the themes of the security of payment transactions, EMV and the omni-channel consumer experience (more on this in a bit), but certainly there were a lot of retailing topics covered.

Phil Spradlin

Product Marketing Manager

Posted on: Monday, January 5, 2015

Will 2015 See the End of ACH Bill Payment Services?

62% of consumers demand faster bill pay services than the Automated Clearing House (ACH) plans to deliver. Prepare to upgrade your bill payment services with real-time money movement or prepare to disappoint consumers.

Phil Spradlin

Product Marketing Manager

Posted on: Friday, December 19, 2014

Can I Charge a Fee For Debit & Credit Card Processing?

Answer these 10 questions to explore the U.S. regulatory, consumer satisfaction, and cost implications of charging a fee for your bill payment service.

Seth Ruden

Senior Fraud Consultant

Posted on: Friday, December 19, 2014

At the end of the Tunnel; a retrospective on how security changed in 2014

While you may be out shopping for family and friends as many do this time of year, bank staff are working feverishly behind the scenes on the latest breach, or mopping up the remnants of the last three dozen. Given this current state of affairs, I’d like to take some inventory before we change the calendar.  It has been nearly a year since the Target breach has tuned the world into what Fraud Managers have been dealing with for years. The change in thinking that has driven the revision of payment security has been nothing if not revolutionary, with the conversation changing to be rightly focused on the weak points in the chain, and greater understanding placed in the locations where the true vulnerabilities lie.

Mark A. Ranta, CTP

Senior Solution Consultant

Posted on: Thursday, December 18, 2014

I'll have a Cuba Libre por favor

As a member of the concocted 'finer things' club, yesterday's announcement on Cuba has me intrigued, if not excited. I can almost smell the fine heavy smoke of an expertly crafted Churchill or the sugary finish of an oak-aged rum. While these were the first visions that popped in my head as I day dreamed about the white sand beaches of the northern Caribbean, my mind quickly moved to questions...what do the changes to the Cuba policy mean to our industry; our banks and processors? And what do they mean for the Cuban economy and the US dollar?

Jamie Pearson

Product Manager, Payments, IR

Posted on: Friday, December 12, 2014

Payment hubs and visibility

Payments Hub: How and Why

Payments systems have become highly complex. Why? Because of explosive growth and many years’ worth of customized capabilities and combinations, and mergers and acquisitions. In many cases, this (complexity) has resulted in dozens of different payments engines, with point-to-point integration requirements.

Carolyn Homberger

Group President Continuity & Maintenance

Posted on: Tuesday, December 9, 2014

Leaders weigh in on real-time payments and industry disruption from the Women in Payments Symposium USA

On November 19, the first annual Women in Payments Symposium USA was held in Atlanta featuring the best and brightest from across the payments industry.