- Solutions
- Banking
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- ACI ConneticUnified cloud payments platform
- AcquiringDigital acceptance, merchant management
- IssuingDigital payments and accounts issuing
- Fraud managementReal-time enterprise fraud management
- RTGS / Wires and cross-borderMulti-bank, multi-currency processing
- Real-time, instant paymentsComplete real-time payments processing
- ATMsSelf-service, omnichannel digital experience
- Central infrastructureInnovative real-time payment infrastructure
- NEW Redefining the payments hub: Solving today’s banking payment challenges
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- Merchant payments
- ACI Payments Orchestration PlatformEnable customer journeys across commerce channels, accept payments, prevent fraud and optimize your payments journey
- In-storeDynamic, modern in-store payments
- eCommerceOnline and mobile payments
- Alternative payment methodsGive more ways to pay
- Value-added servicesEngagement, optimization and reporting
- Fraud managementEnd-to-end fraud orchestration
- Risk, security, and complianceAchieve and maintain compliance
- NEW Datos names ACI Worldwide best-in-class in payments orchestration
- Industries we serve
- Billing and bill payments
- ACI SpeedpayDrive customer satisfaction with the widest range of bill pay options in the industry.
- Bill payment APIs and SDKsOutsource bill payment processing
- Fraud managementAI-based fraud orchestration technology
- Alternative payment methodsGive more ways to pay
- Loan servicingPreferred loan payment options
- Treasury managementStreamline and integrate your back office
- Automated debt collectionImprove your collections process
- Digital walletsManage digital cards and payments
- PCI compliance and securityAchieve and maintain PCI compliance
- Industries We Serve
- Fraud management and payments intelligence
- Fraud managementFraud solutions to minimize risk and prevent fraud
- Fraud management for bankingEnterprise-wide fraud prevention
- Anti-money launderingStay ahead of money-laundering schemes
- Robotic process automationAutomate payment processing operations
- Fraud management in the cloudProtecting your business in the cloud
- Fraud management for merchantsProtect payments from end to end
- ChargebacksPrevent chargebacks before they happen
- SCA complianceAchieve and maintain SCA compliance
- Digital identity solutionsConfirm identities with behavioral analytics
- NEW Scamscope fraud report: APP scam trends from around the globe
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The research also reveals that 92 percent of banks globally expect to grow revenue from real-time payments, reflecting the degree to which real-time has come to underpin a new wave of product innovation and revenue opportunities.
“Our research shows that real-time payments infrastructure is either a direct enabler or closely linked with most of the new services and propositions banks are developing globally,” said Craig Ramsey, head of real-time payments, ACI Worldwide. “The majority of banks globally are beginning to understand that real-time payments, especially when combined with Open Banking, have a huge potential to help banks grow revenue and attract new customers.”
Other key findings:
- Almost half of banks (47 percent) report that real-time payments overlay services are a top three product investment priority, and one in three (27 percent) rank this as their biggest single priority
- Other leading areas of investment are Open Banking (33 percent), leveraging transaction data to improve services (43 percent) and removing friction from the payment authentication process (48 percent)
- 95 percent of banks globally report that Open Banking has helped change the way they approach delivering new products and services; however, 75 percent still view Open Banking/APIs largely as a compliance issue
- 74 percent of banks plan to move mission-critical workloads into public cloud infrastructure either this or next year and 89 percent either have already made significant use of cloud or are planning to make further investments in 2019/20
“The most innovative banks recognize that investment in real-time payments infrastructure is a strong foundation for sustainable innovation,” continued Ramsey. “Real-time payments are a key building block for delivering continuous improvements in products and services for their customers.”
Meet with ACI Worldwide at Money20/20 USA 2019 in Las Vegas, October 27-30 (Veronese 2502) to find out more about our newly-released Culture of Innovation Index, conducted with leading analyst firm, Ovum.