Archives

Expert view: the ACI blog

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.

Mark A. Ranta, CTP

Senior Solution Consultant

Posted on: Monday, December 8, 2014

Uber and Lessons for the Mobile Wallet

Earlier this week I received a phone call that my car was ready to be picked up from its 20,000 mile service appointment. Nothing exciting there, although the call did come 2 hours early (a win of sorts). I found myself with the unenviable task of finding a lift to the dealership. Or it used to be an unenviable task before Uber launched its UberX service in my area.

Paul McMeekin

Manager of Business Intelligence & Market Research

Posted on: Thursday, December 4, 2014

e-Commerce UP, in-store sales down, multi-channel frustrates

So the big results from the (extended) Black Friday shopping frenzy are out: in-store sales are down and online sales are up.  Depending on which source you believe, foot traffic was down 5% over the weekend (NRF), or 10.3% (Retail Next).  In-store sales were down 11.3% (NRF), but up online 32% on Thanksgiving Day, 26% on Black Friday (comScore).

Carolyn Homberger

Group President Continuity & Maintenance

Posted on: Wednesday, December 3, 2014

Nurturing female leadership in payments

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.

Jamie Pearson

Product Manager, Payments, IR

Posted on: Wednesday, December 3, 2014

The Key to Reduced Payments Risk is Visibility - Video Blog

Disruption is happening everywhere. Universal online access, mobile devices and expectations for real-time commerce mean that today’s consumers rely on mobile solutions to get things done on the go—anytime, anywhere.

Mark A. Ranta, CTP

Senior Solution Consultant

Posted on: Tuesday, December 2, 2014

Is Black Friday an Endangered Species?

Over my morning cup of coffee, I was reading articles on the first four days of 'holiday season' shopping, book-ended by "Black Friday" and "Cyber Monday". What was once just a single kick-off day to the holiday season has now quickly become a week-long+ "event" of door busters, deals, steals and discounts.