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Expert view: the ACI blog

Paul Styles

Paul Styles

Product Marketing Manager

Posted on: Tuesday, February 14, 2012

Integration mitigation

In an increasingly commoditized payments world, it is no surprise that banks seek to differentiate their payments offering. Technology is usually the key enabler in creating competitive advantage, but soaring IT integration costs can all too easily derail the bank’s efforts.

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Andy Morris

Risk Business Solutions Consultant

Posted on: Friday, January 27, 2012

Fraud around every corner?

The latest round of industry statistics paints a bleak picture of UK fraud. CIFAS’s latest report identified a 9% growth in fraud, whilst also highlighting an 18% growth in account takeover related fraud, and 13% for misuse of facility fraud (first party fraud).

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Mitch Armstrong

Director of Solutions Consulting

Posted on: Tuesday, January 24, 2012

Talking technology just delays innovation

With a few notable exceptions (such as Apple) the fact is that technology doesn't really matter. What really matters, especially when you are targeting consumers, is application.

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Pam Latulippe

Principal Product Manager

Posted on: Tuesday, January 17, 2012

It’s 2012. Have you made your first mobile payment yet?

The year was 1996. Email was a really new concept and the few cell phones around were the size and weight of bricks. Selling products on the Internet had just started only a few years earlier and online sales had already reached $600 million. The industry was projecting a dramatic growth rate to $2.4 billion in 1997.

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Rob Seward

Product Line Manager

Posted on: Monday, January 16, 2012

Loyalty Programs - have we finally cracked it?

I’m here at the 101st NRF Annual Convention and EXPO, and this year’s show is all about using technology to meet the changing needs and desires of consumers. Retail loyalty programs are one of the most successful and proven strategies for learning about and engaging with their customers.

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Mitch Armstrong

Director of Solutions Consulting

Posted on: Monday, January 16, 2012

Banks want interactions, not just transactions

Personalization: Everyone knows it is a key factor in generating loyalty - but how do you get there?

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Paul Styles

Paul Styles

Product Marketing Manager

Posted on: Tuesday, January 3, 2012

Happy New SEPA

About a year ago, in my blog ‘On your marks for SEPA’, I commented on the European Commission’s proposals for the setting of end dates for the migration from legacy instruments to SEPA credit transfers and direct debits. I wrote: “At least the whole industry knows that serious planning can now no longer be delayed. We don’t yet have the final ‘go’ but we now know we’re under starter’s orders.”

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Amanda Burley

Senior Business Analyst

Posted on: Friday, December 16, 2011

Should banks be held liable for Ponzi schemes?

Ponzi schemes were named for Charles Ponzi after he defrauded customers out of approximately 20 million dollars back in 1920 (over $225 million today).

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Paul Love

Solutions Consultant

Posted on: Wednesday, December 14, 2011

Card Fraud Arrest "Too Expensive"?!

The concern with stories like the recent one in the Telegraph about it being too expensive for the police to arrest a fraudster - so there are no consequences for the card fraud criminal - is that they erode confidence in the entire payments system.

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Andy Brown

Payments Industry Consultant

Posted on: Thursday, December 1, 2011

Don’t repeat the mistakes of the internet banking age

Mobile payments, mobile banking, mobile commerce.  These are the buzzwords around at the moment with new schemes being launched every day.

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