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mark ranta

Mark A. Ranta

Head of Digital Banking Solutions


Mark A. Ranta

As the Head of Digital Banking Solutions, Mark works closely with financial institutions discussing, exploring, and examining market trends and key drivers in the evolving digital solutions space with a key focus on mobile, tablet and the future of wearable technology. Prior to moving into the sales organization Mark was Senior Product Marketing Manager for ACI's Digital Banking solutions. He was responsible for developing and executing product launch and go to market activities for the related product lines. Prior to joining ACI in 2012, Mark worked at Greenwich Associates as a Senior Project Director on their Custom Projects team. Mark holds a Bachelor of Arts from Lafayette College. 

The future of Fintech and where the digital banking evolution will take us is at the heart of what Mark reads about, researches, discusses, promotes and debates. As a proud card carrying millennial, Mark's primary goal is to bring a fresh yet informed point of view to the discussion. It is truly an exciting time to be in the industry as everything down to the foundation of the financial society is being challenged by innovative individuals and start-ups alike. Mark looks forward to helping companies and banks alike navigate the disruptive environment they are in today towards a successful future.

More articles by Mark A. Ranta

  • Sibos word cloud trends

    19 for 2019 (Payments Predictions Galore!)

    Tuesday, January 01, 2019

    As I’ve bid adieu to 2018, once again mumbling my way through Auld Lang Syne (reciting Burns poetry was never really in my 'wheelhouse,' as they say) I’m squarely focused on 2019 (and beyond), and the payments prognostications that typically accompany the start of a new calendar year.

  • Postcard from Money2020

    A Postcard from Money20/20

    Monday, October 29, 2018

    Greetings from Las Vegas. By the time this note finds you, I will be back at my desk pouring over my follow-up notes from another crazy, wonderful, insightful and totally exhausting Money20/20. The event itself has grown to become the annual ‘must-attend’ on the financial technology schedule, and this year’s event didn’t disappoint with new attendees, old friends and an agenda that kept you on your feet for 4 days (and nights).

  • To Regulate Or Not To Regulat

    To Regulate Or Not To Regulate – Is That Thy Question?

    Monday, October 22, 2018

    Debates are healthy, and as someone who spent a little time during my college years dabbling around the edges of the speech and debate team, I can tell you it’s something that I personally relish. A chance to really talk through the pros and cons of an argument and lay out the bare facts… and then be judged based not only on those facts, but on the presentation and power of persuasion—sign me up!

  • flavors of payments innovation

    Three Flavors of Payments Innovation

    Thursday, October 18, 2018

    Let’s talk innovation! But first, what do we really mean when we say “innovation” anyway? As we all know, innovation can take many forms, but in my view, there are three main varieties – and these are evident in the world of payments and financial services.

  • US treasury fintech report

    Winners and Losers in the Regulation Vs Competition Debate? How About New Business Models?

    Friday, October 05, 2018

    As Summer has abruptly turned to Fall, I have found myself daydreaming of a European vacation (and yes, I realize it’s Fall there too… or rather, Autumn). Maybe it’s the Instagram feed full of friends on a summer sojourn to Italy, France, or Germany, or the constant barrage of Premier League kickoff commercials on the NBC Networks (Let’s Go Gunners!), but yesterday it was something else entirely that had me drifting off into a memory-induced Nutella-crepe state of euphoria.

  • Midyear payment predictions

    Mid-Year Payments Reflections… And What 2018 Has Left Up Its Sleeve

    Tuesday, July 17, 2018

    It has been a while since I had a chance to collect my thoughts, nee, reflections. My all-time favorite movie reminds us all that “Life moves pretty fast. If you don't stop and look around once in a while, you could miss it.” And with this advice in mind, I want to share my thoughts on the ‘Big 3’ of 2018 so far… and prep us all on what to look for as the calendar churns through its last six pages.

  • APIs and Cash Management

    APIs and Cash Management (Harnessing the Hammer, Part 2)

    Friday, May 04, 2018

    In my last blog post, we talked about the hammer and the nail; the hammer in this case being open APIs, and the nail being the market need to adapt to changes in customer behavior and expectations from our commercial market. We laid out why the US is in a different position when it comes to open APIs—it has to do entirely with the regulatory environment, which is allowing us to start with the largest revenue opportunity first. Finally, we challenged you, the reader, on how you can begin on your journey. And that is where we are going to pick things up. What steps can you take today, and what use cases can you explore as we start getting our hands dirty?

  • The Climate, Weather and Payments

    The Climate, Weather and Payments – What the Winds Tell Us?

    Thursday, April 05, 2018

    I am sitting in my home watching snow fall, it’s April and I just spent the weekend prepping my yard for the upcoming summer season. To say the weather patterns are odd is an understatement. The global climate is warming as we know. And though you don’t see it on a day to day basis, it seems to hit more regularly than in the past, with freakish events, colds snaps, warm spells and snow storms in April. And on this occasion, it had me thinking about our current environment in payments. We are seeing a fundamental change to our ecosystem with technology advancements like Open APIs, big data, AI and foundational changes like Immediate Payment initiatives and regulatory pushes.

  • open banking for corporates

    The Hammer Finds Its Nail: Open Banking and Commercial Cash Management

    Wednesday, January 31, 2018

    Globally, the Open Banking story has been shaped by Europe, thanks to PSD2 (The Revised Payment Services Directive) and the effect that it will have on us as everyday consumer banking clients. This will forever change our experience with financial tools for the better.

    The banks that have traditionally served us will modify their models to support the foundational layer of a new ecosystem of co-invention and partnership. This story is all well and good, but so far most – if not all – of the discussion has surrounded the consumer experience and has neglected where the most fertile ground for change and disruption lies—corporate and commercial banking.

  • snowflakes

    Oh payment trends, oh payment trends….

    Wednesday, November 29, 2017

    As the first flakes start to fall and the smells in the air start to change (as my esteemed colleague Seth mentioned in his recent post), my favorite sign of the holiday season begins to appear—the trends to watch in the coming year.