digital circuits


July 28, 2021

Progressive Platform Modernization — Eight Steps to Success

People Walking in Shopping Center


July 27, 2021

The European Commission’s Proposal for a New Consumer Credit Directive: Will This Create a Harmonized European Consumer Credit Market?

Sunset scene of cityscape with blue sky and clouds.


July 26, 2021

What’s Next for Real-Time and Digital Payment Experiences?

Young woman sitting on the sofa in the living room, managing online banking with mobile app on smartphone. Transferring money, paying bills, checking balance.


July 23, 2021

Top Three Considerations for the Acceleration of the Digital Economy in LATAM

Using mobile device to pay bills


June 30, 2021

Mobile Wallet Payments Are on the Rise — But What About for Bill Pay?

While consumers have spent more time at home and more time on their mobile devices, a growing number of them have set up mobile bill notifications — and billers need to take notice, especially when it comes to advances like mobile wallets.

Filling out taxes


May 5, 2021

Exploring the Current State of Property Tax Payments

People across the U.S. may disagree on the best style of pizza, or whether to call it soda or pop, but they’re fully united in their desire for simple, convenient property tax payments.

Man paying bill on computer


April 7, 2021

Utilities: It’s Time to Put Your Arrears Behind You

As the economic crisis caused by the COVID-19 pandemic left many utilities customers financially insecure and unable to pay their bills, states across the country issued unprecedented moratoriums on utility shutoffs.

Women checking mailbox


April 1, 2021

How to Resolve Delayed Mail Issues with Digital Payments

In light of the pandemic, the United States Postal Service (USPS) has been facing its own crisis. In late December 2020, only 38 percent of non-local first-class mail arrived on time, compared with 92 percent during the same time period in 2019.

Paying bill on mobile phone


February 26, 2021

Data Security Is Table Stakes for Bill Payment – Communication Can Be the Competitive Differentiator

More than 80 percent of consumers are at least somewhat concerned about online identity theft, and nearly half are concerned about the safety of their personal information when paying online, according to the latest ACI Speedpay Pulse.


December 21, 2020

12 Ways Americans Changed How They Pay in 2020

ACI experts recently shared their predictions and industry expectations for billing and payments in 2021 and beyond.

Prime Time for Real-Time

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


December 9, 2020

Billing Experts Predict Consumers Will Be Driving Force Behind Payments Industry Changes in 2021

As we near the end of 2020, the pandemic and its resulting economic fallout continue to wreak havoc: COVID-19 cases are increasing, raising concerns about an economic recession and instilling uncertainty among consumers about their financial security. In fact, 15 percent of consumers who responded to a recent ACI Speedpay Pulse survey reported that the pandemic was a direct factor in missing a bill payment. And of those consumers who currently have past-due payments, more than a third believe it will take them at least six months to catch up on late bills.


December 1, 2020

Customer Experience: A Key Ingredient for Biller Success

Today’s consumers are looking for fast and seamless experiences across the board, including when it comes to making bill payments. Understandably, slow and inconvenient experiences lead to lost loyalty and likely attrition – especially with consumers paying up to 10 bills per month, according to recent findings from the ACI Speedpay Pulse.


November 9, 2020

Filling the Gaps: How Higher Ed Institutions Can Put Money Back into Their Budgets

At a time when budgets at colleges and universities are tighter than a snare drum, where can schools turn to find the funds for their finance and IT departments? Sure, donors and alums may be tempting sources, but one answer to this funding issue is actually quite simple:  


October 28, 2020

How Billers Can Adapt to a Changing Payments Security Landscape

More and more consumers are adopting digital channels like websites and mobile apps to pay their bills; but at the same time, hackers are becoming more sophisticated and cyberattacks are increasing in frequency. In fact, nearly 20 percent of consumers have fallen victim to online identity theft, according to our most recent ACI Speedpay Pulse, pointing to an opportunity for billers to up the ante when it comes to security measures.


September 23, 2020

Cut Your Losses – It’s Time to Digitize Medical Loss Ratio Rebate Payments

The deadline to issue medical loss ratio (MLR) rebates for 2020 is next week, yet many health insurers are meeting the requirement by sending paper checks in the mail. Meanwhile, only seven percent of health care premium payments are paid by check, according to the 2020 ACI Speedpay Pulse survey on billing and payment preferences. Policyholders receiving these checks may not understand why they are receiving them – if they even open the envelope in the first place.


September 3, 2020

Recurring Success: Exploring Subscription Payment Trends

When you think of recurring monthly expenses, there are certain obvious bills that come to mind: mortgage or rent, utilities and phone bill, among others. But today, monthly recurring expenses increasingly include things like online streaming services (music and entertainment), meal kits, pet treats, video games and clothing. It seems there’s a subscription service for everything these days — and consumers are taking full advantage.