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ACI's Universal Payments solutions, including the Immediate UP Payments, UP BASE24-eps on Linux and Proactive Risk Manager, have been implemented by a joint team from Westpac New Zealand and ACI Worldwide to provide an industry-leading real-time payments hub for the bank's customers. Co-located engineers and technicians embraced Agile and DevOps system development approaches to create a state-of-the-art IT environment within the bank and a new paradigm for building products and innovations.