Javier Pino

Principal Product Manager at ACI Worldwide

A payments technology expert with more than twenty years of industry experience, Javier has worked at ACI in various solutions roles since 2005. Previously, he worked at Visa International in Latin America, as VP for smart card products and as a member of ISO WG5 and CEN-TC224 committees for standardization. Javier currently manages ACI Issuing, driving the strategy and roadmap for the solution.

Articles by Javier Pino


Confronting Disruptive Pressures in Issuing [Customer Q&A]

We are at the dawn of an industry overhaul. The banking industry is facing disruptive pressures on multiple fronts, but particularly in payments. More competition, increasing regulation, and growing consumer expectations, payment types and channels. Plus, for issuers, there is the additional challenge of remaining relevant and at the center of the customer relationship, which has never been more complex.

Prime Time for Real-Time

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