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Navigate Today's Payments Landscape and Capitalize on New, Competitive Opportunities

Transform your business to survive and thrive in the new payments ecosystem without breaking the bank.

Adapt to market challenges and get ahead of the competition by providing new, value-added services without compromising scalability, availability, or reliability.

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Payments Transformation

Leveling the Playing Field

New regulation (PSD2 in Europe and the New Access Model for UK Faster Payments) and Open APIs in payments are encouraging more competition from all kinds of payment businesses.

The Impact: New entrants such as FinTechs and other alternative providers are further disrupting traditional payment models with innovative offerings that address unmet market needs.

 Download:   UP Framework with API Manager    |    API Manager Use Case


Faster Payments Arrive

Demand for immediate gratification has extended to payments. Customers across all verticals are looking for a FASTer, more seamless experience as they manage their transactions.

The Impact: Immediate payments schemes are proliferating and customers increasingly expecting their payment providers to accommodate their real-time needs.

 Learn More:   Immediate Payments (PDF)   |    Retail Payments Solution


Payment Methods Expand

The list of alternative payment methods is expanding across the globe and growing in popularity –ApplePay, AliPay, Venmo, WeChat wallet, etc.

The Impact: New payment methods will be able to thrive without today’s existing rails. Alternative payment options are increasing the use of digital channels. For example, in APAC, online payments usage is at 72.4%, smartphone wallets are at 32.8% and mobile money is at 13.3% adoption.

 Learn More:   Retail Payments (PDF)   |    Immediate Payments Solution


New Business Models Surface

Real-time clearing schemes, open access models, new technology (such as blockchain), cloud options, and global commerce are changing processing requirements and driving the need to modernize legacy systems to enable innovation.

The Impact: Networks are decentralizing, dual messaging is evolving to single messaging, and innovation is increasing as providers offer unique services to align with new models.

 Learn More:   Real Time Payments Solution (PDF)   |    Real-Time Payments Solution


Digital Commerce and Cross-Border Explode

The world is going mobile and traditional methods for banking, shopping, borrowing and lending are being revolutionized.

The Impact: Customer needs are broadening – consumers expect seamless, quick experiences, banks require greater resiliency and scalability, merchants must meet cross border, any-to-any commerce needs, and businesses want payment options that align with the modern world.

 Learn More:   Cross-Border Payments: The Next Big Frontier


Your Path to the New Payments Ecosystem

By delivering a foundation built on scalability, availability, reliability and security, ACI helps you achieve the transformational change necessary to win in the New Payments Ecosystem.

 Learn More:   Infographic

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Any Payment, Every Possbility

ACI powers electronic payments and banking for more than 5,100+ organizations around the world. We have more than 40 years of payments expertise and customers in 80+ countries.