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Mark A. 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

  • 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. 

  • Security, the New Payments Ecosystem and the Need to Educate the Consumer (Or Ask Them to Unclog Your Sewer!)

    Security, the New Payments Ecosystem and the Need to Educate the Consumer (Or Ask Them to Unclog Your Sewer!)

    Friday, September 29, 2017

    When it comes to any payments ecosystem, you must remember that we are talking about MONEY. More importantly, people’s money (like yours and mine). In any conversation in this space, secure is something that is assumed. A consumer simply won’t use a new system if they don’t believe it is secure. Unless of course it’s free Wi-Fi. As we have seen, folks are willing to do almost anything to get free access on their devices, even agreeing to clean toilets! (This was a real thing… one hotspot operator added it to their Terms of Service fine print). When we talk secure, it’s important that we keep this in mind: secure is not just a piece of the Hierarchy of Payment Needs, it’s an integral part of it, which is why it sits directly on top of the foundations. Without this layer, the whole ecosystem collapses.

  • API Stairway

    API Stairway: The Five Steps to Open Payments

    Wednesday, August 23, 2017

    In my pre-EBAday rantings, I discussed Open APIs in the context of one of the greatest rock songs of all time (Stairway to Heaven, for the uninitiated). Waxing poetic about a topic is one thing, but marrying it to concrete steps is another. So, while our Stairway to Open API utopia was a nice background, it’s time to talk about the flights of stairs we’ll have to take to arrive at those pearly entry gates.

  • The Path to Faster Payments – A US perspective

    The Path to Faster Payments – A US Perspective

    Friday, July 21, 2017

    With news that the Faster Payments Task Force released its final findings today and set the deadline for our country’s new payment system to be live by the year 2020, a mere 29 months away, it leaves many in the industry getting ready to roll up our sleeves because it is going to be an all-hands-on-deck 29 months.

  • Connect, Learn, Share – The ACI Exchange 2017 Round UP!

    Connect, Learn, Share – The ACI Exchange 2017 Round UP!

    Wednesday, July 19, 2017

    If you’ve never experienced “dry heat” (which is much like actual “heat”)—you haven’t lived! Stepping off the plane in Phoenix last month for ACI’s Annual User Exchange, the mercury was literally jumping out of the thermostat at 116 degrees Fahrenheit…and it was unlike anything this New Englander has ever experienced. I mention the weather here because it’s the important backdrop to talk about Exchange itself; you could say that the heat was required to properly bake this event to perfection over the four-day agenda and fully deliver on this year’s theme of connect, learn, share.

  • successful innovation

    Open Payments Require Collaboration for Successful Innovation

    Monday, June 26, 2017

    There are a few things in my life I enjoy more than the serenity of a garden. There is nothing more fulfilling than starting off with something as innocuous as a planted seed, only to watch it bloom during the course of the spring and summer, and end its journey in a bounty of produce. As anyone with a green thumb would tell you, it’s not just the quality of the thing you start with, but the care and watchful eye you give it along the way; when to water, when not to, when to weed, when the seedlings may need cover from a pending cold snap, and when you just need to let nature take its course.

  • Payments Buzzword Bingo

    Payments Buzzwords Bingo: Mid-Year Report Card

    Wednesday, June 14, 2017

    Summer is in the air (and it’s 95 degrees this week!!). As we move properly into ‘flip-flops and shorts’ season in the North East, it’s about that time to check in on our annual calls from the New Year (and begin to look forward to counting down to the next set of predictions). Hard to believe that 2017’s Christmas is now closer than 2016’s, but so goes time, and nobody can slow that down. So without further ado I give to you… the mid-year trends update!

  • Are Open APIs the Stairway to the New Payments Ecosystem?

    Are Open APIs the Stairway to the New Payments Ecosystem?

    Thursday, June 01, 2017

    Losing yourself in music is something that everyone should do at least once a day. The freedoms that it affords one’s mind cannot be understated. In my eclectic (and eternal) playlist, there is one song that has likely been played at least twice as much as any other (and to be fair, it likely has the same global play counts); Stairway to Heaven by Led Zeppelin, an epic song that helped define the band to generations. But it was this past week when listening to the song when my mind was turning over thoughts on banking, and a line jumped out at me with new meaning; “There’s a feeling I get, when I look to the west…” While Jimmy and Robert were musing over much larger questions about life and death, my current journey had me subconsciously thinking about banking.