More than 800 customers in 88 countries use ACI software every day to process electronic payments and conduct business in new ways. Learn more about how our solutions are helping these organizations save money, streamline operations and refine their service offerings.

Retail Payments

		Alliance and Leicester Alliance and Leicester needed a tool to help integrate data since it now allowed suppliers to attach their own ATMs to the network. The company also needed a solution to replace its existing recovery plan of a tape archive backup. PDF: Alliance & Leicester Improves TDM With GoldenGate Products: GoldenGate
		Banca Sella A family-owned regional bank headquartered in Biella, Italy, Banca Sella was an early pioneer in the implementation of electronic payment services and now holds a commanding market share in the e-commerce arena. As a general rule, Banca Sella likes to manage its affairs in-house to ensure superior quality and maximum control. Every once in a while, though, the bank finds an outside partner whose products match its needs perfectly and fully satisfy its stringent requirements. ACI is just such a partner, and the company has enjoyed a close partnership with Banca Sella for more than 14 years. PDF: Banca Sella Drives Innovation with ACI Solutions Products: ACI Proactive Risk Manager BASE24-pos BASE24-atm ACI Smart Chip Manager
		Bank Central Asia As one of the largest banks in Indonesia, PT Bank Central Asia Tbk. (BCA) holds the vision to be a leader in processing bank transactions. As BCA increased its customer base in Indonesia, the bank experienced a sharp boost in transaction volumes and its current transaction processing system could not handle this increase. BCA quickly sought a solution that would manage its increasing transaction volumes. BCA turned to ACI Worldwide for products from the BASE24 suite of solutions, including BASE24-atm and BASE24-pos. PDF: Bank Central Asia Tbk. Meets Business Goals With BASE24 Products: BASE24-pos BASE24-atm
		Bank of America Bank of America relied on a third party for disaster recovery; an essential element of any banking and ATMm/debit card system. However, after some re-evaluation, the bank decided to bring disaster recovery in-house.With the help of ACI Worldwide, Bank of America found the solution it needed. PDF: GoldenGate Software and Bank of America Deliver Higher Standards Products: GoldenGate
		Barclaycard For nearly 20 years, the world's 13th largest bank has used BASE24 software to manage point-of-sale terminals, route and switch transactions. PDF: Barclaycard Delivers “Every Second, Every Day” Service With BASE24 Products: BASE24-pos
		BGZ SA BGZ SA sought a transaction processing engine that would drive an ATM network and allow the bank to offer Internet banking solutions. Migration to the integrated BASE24® platform allowed BGZ SA to consolidate retail delivery processing while increasing performance. PDF: ACI Solutions Help BGZ SA Offer 24/7 Banking Products: BASE24-pos BASE24-atm
		CIBC CIBC’s telebanking system processes more than 80 million transactions per month and provides remote banking and Internet banking facilities to more than 3 million customers. To offer these customers additional access options to account information, CIBC used ACI Web Access Services to develop client front ends using simple object access protocol (SOAP) and web services. PDF: CIBC Adds New Client Access Options with ACI Web Access Services Products: ACI Web Access Services
		CIBC A full-service bank with two strategic lines of business—Retail Markets and World Markets—CIBC serves almost 11 million customers and processes more than five million financial transactions every day. In a country whose citizens have paved the way in adopting point-of-sale transactions, CIBC boasts a substantial share of the credit card issuing market. In this dynamic payment environment, customer service is CIBC’s primary focus. A broad network of ABMs and branch offices, complemented by innovative telephone and Internet services, ensures that the bank’s clients have ready access to their money, any time and anywhere. For the past two decades, CIBC has partnered with ACI to help deliver this superior customer experience. PDF: CIBC Creates Value and Lowers Costs with ACI Solutions Products: ACI Payments Manager ACI Proactive Risk Manager BASE24-pos BASE24-atm
		Emporiki Bank Emporiki Bank became the first Greek bank to issue EMV cards and offer enhanced services. The bank determined that issuing EMV-compliant, multiapplication smart cards would benefit both the bank and its cardholders. PDF: Emporiki Bank Rolls Out ACI Worldwide Solution for EMV Products: ACI Smart Chip Manager BASE24-pos BASE24-atm
		EVERTEC From its base in Puerto Rico, EVERTEC delivers state-of-the-art transaction processing services in the Caribbean and Latin America. Its ATH debit network provides ATM and point-of-sale services for traditional transactions as well as EBT and prepaid card programs. PDF: EVERTEC Builds On 20 Years of Success Products: BASE24-atm BASE24-eps
		First Data First Data needed a solution to replace its manual disaster recovery process. The company also needed a more convenient way to access transactional data. PDF: First Data Streamlines Disaster Recovery With ACI DataWise Products: ACI DataWise
		Industry and Construction Bank Industry and Construction Bank needed to provide customers around-the-clock accessibility. The company ultimately needed a reliable business continuity solution. PDF: Industry & Constuction Bank Executes A System Migration With GoldenGate Products: GoldenGate
		ING ING Bank and Postbank have begun a multi-year, multi-phase project to integrate their ATM systems around a common base of new ACI software. The project includes support for 2,600 ATMs, 60 transactions per second, millions of EMV-compliant debit cards and the adoption of BASE24-eps for Enhanced Authorization. PDF: ING Bank Finds Flexibility, Cost-Efficiency With Integrated ATM System Products: BASE24-pos BASE24-atm BASE24-eps
		Koscom Koscom needed a network solution to connect the Korean Stock Exchange with the headquarters and nationwide branches of securities companies. The network would execute transactions accurately and seamlessly, provide a stable environment for all connected entities and become completely digital to achieve paperless trading in all stock trade-related operations. Koscom chose NET24-XPNET. PDF: Koscom Powers the Korean Stock Exchange Network with NET24-XPNET Products: NET24-XPNET
		National Australia Group National Australia Group (NAG) manages over four million credit cards and four million debit cards across its four bank brands. Currently, NAG authorizes over 28 million transactions per month, of which there is an equal spread of acquired and issued traffic. NAG is an active participant in a mass rollout of EMV cards with an offline PIN infrastructure. NAG had created an in-house Card Care system designed to manage the credit risk facilities of EMV. The challenge was how to integrate this in-house system into the real-time authorization path. NAG opted for BASE24-eps, a flexible and powerful payment engine used to acquire, authenticate, route, switch and authorize financial transactions across multiple channels. PDF: National Australia Group Uses BASE24-eps to Enable EMV Script Management Products: BASE24-eps
		NatWest NatWest was experiencing problems with its authorization services due to incomplete data as a result of segregated customer and balance information. NatWest wanted customers to be recognized at whatever channel they chose to use, such as an ATM, a POS device or the Internet. The bank also wanted to segment its customer base to reflect different levels of risk. ACI responded by developing the Unified Available Funds (UAF) solution. PDF: NatWest and ACI Worldwide: Enhancing Authorization Services Products: BASE24-eps
		PULSE PULSE needed a solution that would enable a zero-downtime system migration. PDF: PULSE® Makes the Switch With GoldenGate™ Products: GoldenGate
		Schools First Federal Credit Union SchoolsFirst Federal Credit Union (Formerly OCTFCU), the fifth largest credit union in the United States, employed ACI's Automated Key Distribution System to jump start its ATM renewal campaign and comply with Triple DES mandates. PDF: SchoolsFirst Federal Credit Union Jumpstarts ATM Renewal Program Products: BASE24-atm
		SHAZAM SHAZAM needed reliable monitoring and management solutions that would enable a smooth transition to its new HP NonStop™ servers. PDF: SHAZAM Makes a Big Switch with ACI Worldwide (TOP, OpenNET)
		Siam City Bank PCL One of the largest commercial banks in Thailand, Siam City Bank PCL uses BASE24-atm to accommodate emerging and evolving trends, channels and services in the ATM transaction processing arena. PDF: BASE24-atm Helps Siam City Bank PCL Enhance ATM Service Products: BASE24-atm
		State Bank of India The State Bank of India has over 75 million customers, 9,000 branches and 200,000 employees. When it was time to implement a state-of-the-art ATM system, it moved swiftly. ACI technology helped the State Bank of India reach its goals. PDF: The State Bank of India: Managing The Nation’s Largest ATM Network With BASE24 From ACI Products: BASE24-atm
		STB Card STB Card uses BASE24-atm, BASE24-pos and EMV '96 to manage its ever-increasing card business. PDF: ACI Helps STB Card Improve Functionality Products: BASE24-atm BASE24-pos

Merchant Payments

		Cinemex Cadena Mexicana de Exhibición (Cinemex) holds 53 percent of the Mexico City movie theater market, sold 30 million tickets in 2001, and was named the 2001 International Exhibitor of the Year by the National Association of Theatre Owners. When it decided to implement a retail payment system that would accept multiple card types and allow customers to purchase tickets online and via telephone, it chose the ACI Retail Commerce Server. PDF: Cinemex Uses ACI Retail Commerce Server to Increase Sales Products: ACI Retail Commerce Server
		Giant Eagle Giant Eagle realized two major challenges: First, the company needed to meet the demands of Pennsylvania's electronic benefits transfer system (EBT); second, the company’s payment switch hardware would soon reach the end of its life. Giant Eagle determined that its platform was outdated and functionally inadequate. The company sought solutions to overcome each of these obstacles. PDF: Giant Eagle Soars With ACI Retail Commerce Server Solutions Products: ACI Retail Commerce Server
		HyVee The retail industry lives by a simple but powerful precept: the customer is always right. Hy-Vee, Inc., a leading grocery and drugstore chain with over 200 stores in seven midwestern U.S. states, is a classic example of this customer-centric approach. Unlike most retail enterprises, Hy-Vee is a highly decentralized corporation. Local store managers can tailor inventory, pricing, merchandising, displays and services to best serve their particular markets and deal with their individual competition. Since 2002, ACI software has allowed Hy-Vee to control its own destiny in terms of how and where transactions are processed. PDF: Hy-Vee Drives Retail Success With ACI Software Products: ACI Retail Commerce Server
		HyVee With 220 supermarkets in seven Midwestern states, Hy-Vee, Inc. recognized that its company had grown large enough to operate its own electronic payments for in-house authorization and processing of check, credit, debit, Electronic Benefits Transfer (EBT) and gift card transactions. The ACI Retail Commerce Server suite of solutions helped them meet their goals. PDF: Hy-Vee, Inc. Gains In-house Command of Transaction Processing with ACI Solutions Products: ACI Retail Commerce Server
		Sabre Sabre needed a data replication solution to move applications and data from its production machines to a hybrid environment. PDF: Sabre Holdings Increases Its Capabilities with GoldenGate Products: GoldenGate

Risk Management

		Alliance Leicester Alliance & Leicester (A&L), one of the UK's major financial services groups, offering a broad range of financial services to personal, commercial and small-business customers, sought a solution to protect both the company and its customers from fraud losses. PDF: ACI Solution Helps Alliance & Leicester Combat Potential Fraud Products: ACI Proactive Risk Manager
		CertaPay Based in Toronto, Canada, CertaPay specializes in real-time, point-to-point (P2P) e-mail payment solutions and is the exclusive P2P service provider to Bank of Montreal, CIBC, Scotiabank and TD Canada Trust. CertaPay uses ACI Proactive Risk Manager for Anti-Money Laundering to stop money transfers that appear suspicious. PDF: CertaPay Uses ACI Proactive Risk Manager to Monitor Money Transfers Via E-Mail Products: ACI Proactive Risk Manager
		Cumberland Building Society Cumberland Building Society, the largest building society based in Cumbria, introduced new debit cards under Visa's debit program to replace those previously issued under the switch debit card scheme. Following its migration, the Cumberland had to fully comply with Visa's card issuer requirements and mandates for fraud detection. ACI Proactive Risk Manager offered the most cost-effective solution in relation to the Cumberland’s experience of debit card fraud, while still meeting the necessary compliance requirements. PDF: ACI Proactive Risk Manager Protects Cumberland Building Society's Customers From Debit Card Fraud Products: ACI Proactive Risk Manager
		National Australia Bank Brett Small seems an unlikely sting artist. As head of consumer banking fraud at the National Australia Bank, one might expect him to be straight-laced and, well, stodgy. But when he describes a recent event in which NAB foiled the brazen plans of an Internet banking fraudster—aided by Proactive Risk Manager software from ACI and a healthy dollop of in-house creative genius—the delight in his voice is palpable. PDF: National Australia Bank Foils Fraudsters with PRM Products: ACI Proactive Risk Manager
		National Bank of New Zealand Since launching in August of 2002, ACI Proactive Risk Manager has helped the National Bank of New Zealand cut its fraud losses dramatically. PDF: ACI Software Helps New Zealand Bank Fight Fraud Products: ACI Proactive Risk Manager
		Nationwide Following the implementation of ACI Proactive Risk Manager, the fraud levels on Nationwide’s debit card fraud portfolio dropped by around 80 per cent, with most fraudulent activity being stopped no later than the second transaction. PDF: Nationwide put the theory in to practice Products: ACI Proactive Risk Manager
		Seceti Italian processor Seceti uses ACI software to combat debit card fraud, provide a fully integrated authorization and fraud detection service, and offer more services to customer banks. PDF: Seceti S.p.A. Uses ACI Proactive Risk Manager To Fight Potential Fraud Products: ACI Proactive Risk Manager

Wholesale Payments

		Bangor Savings Bank Bangor Savings Bank, headquartered in Bangor, Maine, has more than US$1.8 billion in assets and more than 40 locations throughout Maine. As a local bank, Bangor caters to customers in Maine and is responsive to its customers needs and demands. To compete with larger regional and national banks in the area, Bangor Savings Bank’s cash management department needed to adapt to the online revolution. PDF: Bangor Savings Bank Upgrades with ACI Enterprise Banker Products: ACI Enterprise Banker
		CNB Financial Corporation As a newly established bank, Commonwealth National Bank was looking for ways to establish itself as an attractive alternative to the ever-growing trend of bank mergers and “mega-banks.” To compete, Commonwealth National needed to provide its corporate customers with secure, state-of-the-art cash management tools that could expand as business needs grew. It chose ACI Enterprise Banker. PDF: Commonwealth National Bank Expands ACH Capabilities with ACI Enterprise Banker Products: ACI Enterprise Banker
		Investors Bank and Trust Over two years, message volume at Investors Bank and Trust (IBT) had increased more than 2000 percent, and the cost of delivering those messages had increased substantially. IBT, in collaboration with its counterparties, found a way to reduce the costs associated with sending these messages using the ACI Money Transfer System. PDF: ACI Software Helps Investors Bank and Trust Reduce Delivery Costs Products: ACI Money Transfer System
		LaSalle Bank Why would Chicago-based LaSalle Bank, part of global giant ABN AMRO Bank, choose the ACI solution for mission-critical tasks such as cross-border payments and to connect to the Federal Reserve System and SWIFT for domestic and international transactions? Because the software delivers exactly what the bank needs: extensive configurability, open interfaces, exceptional uptime and a serious head start on regulatory compliance - all of which translate into the superlative customer service for which LaSalle Bank is known. PDF: ABN AMRO La Salle Bank Processes Wholesale Payments With the ACI Money Transfer System Products: ACI Money Transfer System
		Ocean Bank Ocean Bank is one of the largest independent commercial banks in Florida, with more than 20 locations throughout Miami-Dade and Broward counties. Ocean Bank wanted to offer a wide range of corporate cash management services without having to implement several different systems. Ocean Bank selected ACI Enterprise Banker and chose to implement the solution through ACI On Demand. PDF: ACI Enterprise Banker Helps Ocean Bank Enhance Cash Management Services Products: ACI Enterprise Banker
		Sovereign Bank Sovereign Bank employed a variety of Web and Microsoft® Windows®-based information reporting and transaction initiation services. These services had become outdated and did not completely meet the diverse needs of Sovereign’s target markets. Sovereign decided to build a single, cost-effective platform for all corporate cash management markets. Sovereign selected ACI Enterprise Banker to accomplish its goals. PDF: Sovereign Bank Streamlines Cash Management with ACI Enterprise Banker Products: ACI Enterprise Banker