Case Study

Consumer Finance Company Reduces Disbursement Time to Mere Seconds

Consumers in need of loans often cannot afford to wait for their funds to become available. For consumer finance companies, this necessitates going beyond traditional funding methods, such as paper checks, and implementing new, faster digital disbursements. This was the challenge faced by one leading consumer finance company as it sought to raise customer satisfaction amongst its nearly half a million customers by moving to digital disbursements.

The lender selected ACI Speedpay: Disbursement Services, part of the comprehensive ACI Speedpay solution, to add a wide range of digital payment and disbursement options to its platform.

“Funds are available to the customer’s debit card within minutes, the majority within seconds, after funding, reducing access to funds by up to three days compared to some banks’ processing of paper checks.”

CIO, Leading Consumer Finance Company

“We continue to hear from our branch office how pleased customers are with how quickly they see loan proceeds on their debit card.”

CIO, Leading Consumer Finance Company

The Challenge

  • The lender wanted to elevate its consumer experience by speeding the availability of funds
  • Traditional funding options did not address the need to make funds available in a timely manner
  • The lender also wanted to remove friction and reduce staff time spent on handling paper checks

The Solution

  • The lender selected ACI Speedpay: Disbursement Services to meet its funding needs
  • ACI’s disbursement services enabled a wide range of digital payment and disbursement methods
  • This capability has accelerated funding times while offering full compliance

The Results

  • Funds availability has been reduced from three days to mere seconds (depending on the bank’s funds availability policy when processing paper checks), increasing consumer satisfaction
  • The lender has driven a 60% adoption rate, surpassing its projected rate of 25%
  • Debit card disbursements sustained growth and loan funding during the pandemic when branch traffic was limited


Leading Consumer Finance Company


Consumer Financing


North America