The modern debit card: The engine behind seamless payments

Learn why billers rely on debit cards to reduce costs and false declines while enabling mobile‑first, tokenized payments that deliver seamless customer experiences.

Digital wallets or pay services? Understanding the roles that power today’s digital payments experience

Digital wallets and pay services have transformed the way we think about money, turning smartphones into secure, all-in-one hubs for transactions.

Never miss a payment: Building resiliency with a three-layer strategy

Safeguard revenue, customer trust, and compliance amid increasing demand for urgent bill payments.

Meeting borrowers in a time of financial fragility

With auto debt at $1.66 trillion and many consumers now living paycheck to paycheck, lenders must adapt as financial stress grows.

Bill pay isn’t what it used to be, and that’s a good thing

This transition didn’t happen overnight. It took years of innovation and careful integration to transform outdated payment systems into the modern, scalable, secure, and resilient platforms we use today.

Gen Z is setting the pace—can your business keep up?

The lending, utilities, and insurance industries must adapt to meet the needs of Gen Z or risk losing relevance and loyalty.

2025 auto lending trends: Mobile payments and self-service revolutionize customer experiences

The ACI Speedpay® Pulse survey confirms long-standing consumer trends toward mobile payments adoption and related self-service experiences.

Fraudsters are developing sophisticated scams in the utility sector

Digital payments fraud in the utility sector is a growing concern. The shift from traditional paper checks to digital payments within the industry has opened new avenues for fraud1.

Finally, insurers are embracing surcharging and saving millions in the process

Interchange and network fees levied for accepting credit cards are the one factor that dwarfs all others when insurers start digging into the cost of getting paid.

A generational change in higher education payment habits

The landscape of the payments industry is changing rapidly, and educational institutions must understand and adapt to the evolving habits of students and parents.

How a Modern Payments Experience Can Help Credit Unions Gain and Retain Younger Members

I recently attended the 2024 America's Credit Unions Governmental Affairs Conference, where one of the speakers said something that caught my ear: Essentially, the younger demographic is not fully aware of the concept of a credit union, its unique characteristics compared to other financial entities and the reasons why they might want to consider banking with them.

New Consumer Research Reveals Major New Cost Pressures in the Pipeline for Billers

or billers strategizing around payments innovation, it’s essential to understand consumer payments expectations and the wider financial pressures they might be facing.