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Each year, ACI customers around the globe redefine what’s possible in the world of payments. The Innovation Awards recognize these leading banks, intermediaries, merchants and billers as they transform their payments through the innovative use of ACI’s portfolio of solutions.


2020 Winners

ALTO – Retail Payments

The Co-Operative (Co-op) – Secure eCommerce

Everlink Payment Services Inc. – Fraud Management

State Bank of India (SBI) – Retail Payments

Swarthmore College – Bill Payments

View Innovation Awards winners from past years

Meet Our 2020 Innovation Award Winners


Alto, a leading national switch in Indonesia, implemented a robust, flexible and scalable retail payments platform to enable rapid time to market for innovative payment services and channels. ACI's retail payments technology allowed Alto to launch cutting-edge payment services quickly and efficiently, enabling them to be at the forefront of digital payment services in Indonesia and across the ASEAN region.  

The Co-Operative (Co-op)

One of the U.K.’s largest convenience food retailers, Co-op went above and beyond in delivering a seamless and convenient customer experience through its innovative Pay In Aisle technology. The app, which integrates with the ACI Secure eCommerce solution, allows time-pressed customers to scan products on their own device as they shop — delivering a “frictionless experience.” Co-op is the first supermarket in the U.K. where there is no need to queue to check out.  

Everlink Payment Services Inc.

Everlink is perhaps the world’s first financial services provider to deploy a fraud management machine learning workbench into a production environment, be trained on modeling and deploy a highly effective detection model — in a single day and without the need of a data science team. This innovation has helped Everlink, a leading provider of payment solutions and services for credit unions, banks and SMEs across Canada, solidify its leadership position in the intermediary processor market and strengthen the organization for future payments transformation. 

State Bank of India (SBI)

India’s largest bank, with more than 440 million account holders, seamlessly updated and expanded its payments switching system using ACI’s retail payments technology to meet its requirement of processing more than 30 million daily transactions. Not only has SBI embarked on an initiative to modernize its transaction processing technology, increase resilience and ensure future scalability, it has also implemented enterprise fraud prevention with ACI’s fraud management solution for debit cards, mobile banking, internet banking, pre-paid and UPI payments — at an enormous scale rarely seen globally.

Swarthmore College

Swarthmore, a highly selective U.S. college of liberal arts and engineering located outside of Philadelphia, Pennsylvania, wanted to optimize its students’ payments experience. Working with ACI and its ACI Speedpay solution, the college now offers its students and their families real-time access to all of their account information, as well as the ability to make payments through any device. Since its launch, Swarthmore has experienced 95 percent enrollment in its new payments application.