Skip to Main Content Skip to Footer Content
Close Search

The Innovation Awards recognize leading banks, financial intermediaries, merchants and corporates around the world for their innovative use of ACI’s UP portfolio of leading payment solutions


2019 Winners

ANZ Bank New Zealand - Payments Intelligence

Avant - Bill Payments

ING - Retail Payments

PayNet - Real-Time Payments

Universal Orlando Resort - Merchant Payments

View Innovation Awards winners from past years

Innovation Index

Is your organization a digital trailblazer or a laggard? Benchmark your digital transformation progress against the competition with the Culture of Innovation Index. Click here to get started and find out what you could do to be amongst the Innovation Award winners in 2020.

ANZ New Zealand

New Zealand’s largest financial services group. Representing nearly one in two New Zealanders, ANZ New Zealand has a long track record of demonstrating innovation for its customers.

Most recently, the banking leader embarked on an innovative way to ensure security and customer confidence in new digital payment channels, specifically, New Zealand’s modernization initiative of ACH payments known as ‘Cleared Funds’—by dynamically assessing risk in real-time before a transaction is completed using a variety of Payments Intelligence data sources.


A leading online lending platform for consumers. Avant, which serves more than 600,000 customers, implemented an API-driven solution that has helped it evolve into more than just a consumer lending company.

Its ability to create, support and develop technology in-house makes the organization a force in the industry in supporting both the consumer lending market and its growing base of customers.


A Dutch multinational banking and financial services corporation. ING embarked on a journey to become a globally scalable bank with one digital platform. As part of this journey, the banking leader worked with ACI on implementing a new agile approach to automation specific to its Clearing & Settlement solution.

This approach has enabled ING to provide better focus on business innovation for its customers while being able to decrease time and financial resources on solution maintenance and support.


The national payments network and central infrastructure provider for Malaysia. PayNet implemented Malaysia’s Real-Time Retail Payments Platform (RPP) using ACI’s UP Real-Time Payments  solution.

RPP and DuitNow, Malaysia’s instant credit transfer via proxy ID, are the foundation for payments transformation in Malaysia, which is aimed at modernizing the e-Payments ecosystem and driving innovation for the country’s more than 31 million residents.

Universal Studios

Universal Orlando Resort implemented a new and innovative wearable that allows guests at Universal’s Volcano Bay water theme park to wait in “virtual lines,” so they can have fun or relax while waiting to experience attractions, make cashless payments – and more.

The “Tapu Tapu” wearable debuted at Volcano Bay last summer.