Financial institutions around the world rely on ACI’s solutions and industry knowledge to run their payments systems, comply with mandates and regulations, and implement the latest software.

PCI The scope of PCI DSS mandates include any application that processes cardholder information. The regulations apply to all payment channels, including brick-and-mortar retailers, mail and telephone order companies, and e-commerce payment providers.		Faster Payments As Faster Payments Service (FPS) member banks have now met the U.K. Faster Payments deadline, other financial institutions must formulate their own strategies for the initiative in order to provide their customers with competitive levels of service.
SEPA SEPA rules ensure that, when used within the SEPA area, customers will get the same service at the same price for euro credit transfers, card payments and direct debits irrespective of the country they are based in.		Contactless Payments Contactless cards are already popular in the U.S., and Europe is quickly gaining speed. These transactions are rapidly changing the payments world.
Convergence With the consumer's expectation of being able to carry out any transaction through any channel, and the banks need to reduce operational costs, the convergence of payment systems to end up with a single payment hub handling all retail banking transactions is a key strategic direction for all banks. This enterprise service makes it easier to deploy new or adapt existing products and services across a wide range of channels.		Mobile Payments The mobile phone provides another channel to access banking services and to initiate payments or remittances. In some regions the mobile opens up banking to a wide group of people who have traditionally never had access to banking services. This new channel creates new risks and security challenges, and impacts the transaction processing systems within the financial institution.