Rachael Tomaney

Marketing Manager, ACI On Premise at ACI Worldwide

Rachael works alongside ACI's experts to create campaigns and content for banks and financial intermediaries, covering the key trends that impact their businesses; real-time payments, open banking and digital transformation. Rachael describes herself as both a payments nerd and latino aficionado, meaning that she's happiest when able to combine the two.

Articles by Rachael Tomaney


The Role of Regulation, Collaboration and Competition in Pushing Forward Payments Modernization

While geographic regions have taken their own approaches to payments modernization, they all face some common challenges – a principal one being adoption of real-time payments, which is central to successful payments modernization projects. I spoke to some of the top minds tackling real-time payments adoption in key markets, including the U.S., Canada and the U.K.


Why India’s Payments Players Need to Fight Fraud with Machine Learning

By 2023, experts are predicting 60 billion UPI (Unified Payments Interface) transactions annually, accounting for more than 50 percent of India’s total digital payments transactions. And it’s estimated that today nearly 50 percent of all real-time payment (RTP) transactions globally are processed in India. It’s an exciting market for payments innovation, with a wide range of digital overlay services available to consumers and merchants, thanks to the introduction of UPI.


The Untapped Opportunity of Machine Learning for Real-Time Payments Fraud Prevention

Artificial Intelligence (AI) is among the buzzwords of the moment, but when it comes to tangible innovations that have the potential to drive rapid ROI, machine learning should be part of every bank or processor’s strategy. No matter the size of the institution.


How Banks and Acquirers Can Deliver on the Benefits of PSD2 SCA Exemptions and Differentiate Their Merchant Services

PSD2 is an opportunity for acquirers to differentiate themselves by delivering improved services to their merchants, if they implement modern solutions to manage SCA exemptions. This will drive the best customer experience in combination with regulatory compliance.


Building Trust in Open Banking with Behavioral Biometrics and Machine Learning

Strategies for fraud prevention in payments are having to evolve quickly, as new technologies emerge and digitalization of the banking ecosystem continues at pace. I spoke with Giselle Lindley, Principal Financial Crime Consultant at ACI Worldwide and Tim Dalgleish, Head of Threat Analytics, Asia Pacific at BioCatch to understand how financial institutions can use payments intelligence to build trust in this challenging environment.


Get More From Real-Time Payments – Where and How Banks are Growing Revenues

In the wake of the release of the new white paper, Get More from Real-Time Payments, we talk to its author – Dr. Leo Lipis – and ACI’s own Head of Real-Time Payments, Craig Ramsey.

Prime Time for Real-Time

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


The Mexican Fintech Revolution – ¿Qué onda in Open Banking?

Mexico has joined an elite group of nations, being amongst the first to pass open banking regulations. Specifically designed to open up its financial services and technology sector, the so-called ‘Fintech Law’ appears to have taken notes from PSD2, UK Open Banking, Singapore’s ‘organic’ approach, and others – and balances these against Mexico’s unique context and aims. ACI’s Lu Zurawski, one of the industry's foremost open payments experts, and Sonia Gomez, a Latin America payments authority, discuss this balancing act; including the drivers, the regulation and the potential benefits.