Redefining the payments hub for a digital-first future

The need for a redefined payments hub

Legacy payment systems are no longer sufficient in today’s fast-evolving financial landscape. Banks face mounting pressure to deliver seamless, secure, and real-time payment experiences while managing operational complexity and regulatory demands.

ACI Connetic offers a bold reimagining of the payments hub—unifying account-to-account (A2A) and card payments, fraud prevention, and digital identity into a single, scalable platform. This whitepaper explores how banks can overcome legacy challenges and position themselves for innovation and growth.

Key insights include:

• Strategic rationale for modernization: Understand the limitations of legacy systems and the urgency of adopting a redefined payments hub
• Technology transformation: Learn how cloud-native architecture, open APIs, and active resilience reduce operational complexity and support scalable innovation
• Business enablement: Discover how a unified platform facilitates product development, data-driven decision-making, and cross-rail fraud detection
• Future readiness: Gain insight into how banks can adapt to emerging trends such as embedded finance, digital currencies, and tokenized assets