John Ballantyne

Senior Product Manager – Real-Time Payments at ACI Worldwide

John Ballantyne is solution leader for digital channels, part of ACI’s real-time payments business. He brings with him over 15 years of payments experience across product strategy, consulting, partnerships and service management. John is currently responsible for the development of ACI’s strategic payments business in real-time payments, open banking cloud service offerings.

Articles by John Ballantyne


Payments Modernization and Cross-Border Payment Corridors: How Nordics’ P27 Is Leading the Pack

The understandably large level of attention generated by the Nordic region’s P27 initiative is the antithesis of its relatively small place on the global map. Much of that is down to the impressive scope of its ambition: to build the world’s most cutting-edge, cross-border payments system, encompassing multiple currencies and payment types (including real-time), plus building out the services to sit on top of the rails, which will drive further value.


Social, Mobile and Instant Payments: How Digital Payment Overlay Services Will Power Up P27

For some years now, the Nordics region has been a global-standard bearer for payments and financial services innovation. Sweden has for many years been a leader in the progressive move towards cashlessness, championing the range of efficiencies that it brings. Major payments innovators like Klarna, FundedByMe and iZettle are based in the region, rubber-stamping Stockholm as a genuine fintech hub. Analysts and insight leaders also regularly single the Nordics out as a genuine leader, in particular praising the collaboration between governments, regulators, financial institutions and businesses that has led to such fertile ground for financial modernization initiatives.


Nordic’s P27 Powers Ahead with Cross-Border Payments

P27 continues its accelerated journey to cross-border payments in the Nordic region, with an ambitious project scope and timeline. For banks, processors et al, this poses questions of prioritization. Payments players must identify their most pressing business needs, and what can be achieved with their current stack.

Prime Time for Real-Time

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