Craig Ramsey

Head of Real-Time Payments, Product Management at ACI Worldwide

Craig has over 25 years' experience working with banks throughout EMEA with their corporate payments and banking needs. He has been with ACI for over 12 of those years, providing specialist consulting to wholesale banking customers. Through the initiatives of the Euro, SWIFTNet, CLS, TARGET, TARGET2, SEPA, and UK Faster Payments (amongst others), Craig has helped customers leverage the power of the ACI solutions to ensure that the business needs are met. Craig is currently Head of Real-Time Payments, Product Management. Working with customers, prospects and industry players alike, he helps to ensure that ACI's products are industry-leading and are always ready to help our customers.    

Articles by Craig Ramsey


May 12, 2021

It’s Time for U.S. Payments Players to Build on Real-Time’s Breakthrough Year

We’ve become accustomed, in recent years, to talking of real-time payments in the U.S. in terms of its untapped mega-market potential. But, like so much else, it seems that the trend-shattering events of the previous year-and-a-bit have intervened to turn even that well-worn story on its head.


October 19, 2020

How to Deliver on the Promise of End-to-End, Global Real-Time Payments [Q&A]

Traditionally, Sibos has been focused on high-value cross-border payments, but – as with so much of 2020 – times are changing. High- and low-value cross-border payments are converging, and the rich-data standards that are emerging for real-time payments will further accelerate this trend.


October 5, 2020

Central Infrastructure for Real-Time Payments: Overcoming the Final Hurdle [Mastercard Q&A]

The modernization of cross-border payments has brought transparency, certainty and speed to international business. However, the long-term success of new innovations, such as SWIFT gpi and Universal Confirmations, hinge upon real-time, end-to-end, data-rich transaction flows.


January 29, 2020

Request for Payment and Other Real-Time Payments Trends That Will Shape 2020

In 2020, the conversation around real-time payments will increasingly be about what banks can do with real-time, as they move beyond setting up to support real-time payments schemes. New use cases will emerge – but there are a few main trends that are likely to shape the direction of real-time in the year ahead.


November 12, 2019

Digital Overlay Services Unlock the Value of Real-Time Payments

The global payments industry continues to drive toward true real-time, with the potential opportunity for corporate banking often cited as the most lucrative.


August 19, 2019

The Middle Eastern payments revolution: Getting Real-Time Ready

The Middle East is developing quickly and considerably. The population has surpassed 410 million and a number of nations, such as Saudi Arabia and the United Arab Emirates (UAE), represent some of the world's most innovative economies. The region has become synonymous with the rise of large infrastructure developments and technological innovation, while tourism continues to grow - 1.4 billion people visited in 2018 alone.

Prime Time for Real-Time

Global Payment Trends
As the world adopts real-time payments, how does your market stand to benefit?


May 20, 2019

Regulating for Real-Time: The Role of Government in Payments Modernization

Dr. Leo Lipis and Craig Ramsey, Head of Real-Time Payments for ACI Worldwide, continue their discussion on real-time payments and the findings of the new white paper, Get More from Real-Time.


May 13, 2019

Issuing and Acquiring in a Real-Time and Open Payments Ecosystem – The Global Picture

Dr Leo Lipis and Craig Ramsey, Head of Real-Time Payments for ACI Worldwide, continue their discussion on real-time payments, stemming from the findings of the new white paper, Get More from Real-Time. See part one.


April 3, 2019

SWIFT gpi: Leveraging Cross-Border Payments for the Real-Time World

SWIFT gpi represents the evolution of business done over the SWIFT network, bringing correspondent banking into the digital era. I’ve covered this topic before, but with gpi now reaching the two-year milestone, it’s a good chance to reassess the progress that has been made – and what is needed to drive further adoption.


March 26, 2019

Der Wettlauf um Echtzeitzahlungen in Europa

Echtzeitzahlungen haben sich zur neuen Norm entwickelt. Indem einzelne europäische Länder die Rahmenbedingungen für digitale Echtzeitzahlungen schaffen, setzen sie neue Maßstäbe für alle Finanzinstitute, die Geschäfte in der Eurozone abwickeln. Es geht nicht mehr um die Frage „Was ist das Business Model?“, sondern darum, wie Akteure im Bereich der Echtzeitzahlungen die sich bietenden Geschäftsmöglichkeiten erfolgreich nutzen können.


March 26, 2019

The Race to Real-Time Payments in Europe

Instant payments have quickly morphed into the new norm, and as individual European nations forge a real-time, digital-first payments environment, they raise the bar for all financial institutions conducting business in the Eurozone. It’s no longer a question of “what’s the business case?” but a matter of how instant payments players can take advantage of the opportunities now being created.


December 17, 2018

Monetizing Real-Time and Open Payments – A Global View from Leading Banks

Payments experts from Bank of Montreal, Lloyds Bank and Rabobank lead a discussion on #NewPayments use cases. During Sibos 2018, I was lucky enough to moderate a panel of payments experts from around the globe, including banking leaders representing three key phases of the real-time evolution; early adoption, go-live and ‘wave 2.’ Here, I’d like to share insights from these experts, outlining the challenges and rewards for banks in the new real-time and open payments ecosystem.