ACI Worldwide named in the 2026 Datos Insights Fintech 50

ACI is profiled for its payments hub, fraud prevention, and bill pay and disbursements, spanning incremental modernization, back-office operations, real-time payments, account validation, focused AI, and segmentation.

Datos writes that ACI Connetic “gives banks a route to modernize incrementally,” with modular design and open APIs that let institutions connect the hub to existing core and banking systems and replace legacy components at their own pace, avoiding a single high-risk migration project.

Real-time, batch, RTGS, and cross-border processing alongside card issuing and acquiring, ATMs, financial messaging, and AI-powered fraud prevention. Datos notes that embedded fraud prevention addresses an industry challenge with real-time payments adoption and accelerates time to market for new real-time products.

Datos identifies a unique differentiator in ACI’s ability to draw on training data from across the payments ecosystem, paired with patented incremental machine learning that keeps models continuously in production and extends model life. ACI reported fraud loss reductions of up to 75%, protecting roughly 1 billion customers.

On ACI Speedpay, Datos notes that pre-built integrations and industry-aligned configurations across consumer finance, insurance, healthcare, and utilities give smaller and midmarket billers capabilities once limited to larger organizations.