Expert view: the ACI blog

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?

Jim Schlegel

Product Manager

Posted on: Monday, October 3, 2011

EMV: Let the planning begin

There’s no way around it – EMV transition planning will be complicated. However, while EMV is a complex specification, the good news is that it can grow over time.

Jim Schlegel

Product Manager

Posted on: Wednesday, August 10, 2011

The US is catching up with EMV

The news from Visa yesterday moving forward with EMV in the US should not be that surprising.

Andy Morris

Lead Solutions Consultant

Posted on: Thursday, March 10, 2011

Card fraud increases 60 per cent in 18 months

ACI’s 2010 Global Card Fraud Survey has been making a splash in the media over the last few weeks. According to our research, approaching a third (29 per cent) of consumers across eight major economies have been victims of card fraud in the past five years. This is up from less than a fifth (18 per cent) in summer 2009.

Paul Styles

Paul Styles

Product Marketing Manager

Posted on: Thursday, December 16, 2010

On your marks for SEPA

The European Commission has today published proposals for the setting of end dates for the migration from legacy instruments to SEPA credit transfers and direct debits. It’s taken a while but there has now been a ceremonial bowing to the inevitable.

Lynn Holland

Vice President, Product Management

Posted on: Monday, December 6, 2010

Success factors for in-house card processing

I recently posted on the brand, customer and risk-mitigating advantages of bringing card processing in house. However, while an in-house card processing strategy clearly presents a set of indisputable strategic and global business advantages, there are risks to consider.

Lynn Holland

Vice President, Product Management

Posted on: Thursday, December 2, 2010

In-house card processing: reducing costs and risks

I recently posted on how bringing credit card processing in house can help build a financial institution’s brand and customer loyalty. For banks with in-house processing and advanced fraud detection systems, another advantage is the ability to mitigate brand and business risk around privacy and security issues.

Lynn Holland

Vice President, Product Management

Posted on: Tuesday, November 30, 2010

Why bring card processing in house?

While outsourcing continues to be a trend this year, in terms of card processing there are far-reaching business and financial advantages to bringing the process in house. On the one hand, the economics of outsourcing can be competitive when looking at the low cost per unit in post mature market segments like consumer credit cards

David Divitt

Risk Solutions Manager

Posted on: Monday, November 29, 2010

Not Just Another Manic Monday

According to Kelkoo – the online retail comparison website – and Visa Europe, Monday 29 November is the busiest online shopping day of the year. Visa Europe expects 3.8m purchases worth £265m to be made using Visa cards and Kelkoo says that online shoppers are expected to spend £537m on Christmas gifts today.

Felitas Aguilar

Sales Manager, Germany

Posted on: Wednesday, November 24, 2010

The Credit Card in Germany

It is good news that credit cards are the most popular payment method in German e-commerce for the first time. It’s also interesting that 2010 has seen a significant growth in the number of credit cards being issued in Germany with organisations such as Deutcshe Bahn and others starting to co-brand credit cards again. For example, LandesBank Baden Wüttenberg has issued a card with the football team VfB Stuttgart, which can be used at the stadium. In addition, Postbank, Targobank and Santander Consumer Bank in Germany have also grown significantly having pushed their credit card offerings and upped their sales activities.