10+ emerging market central bank deployments
ACI’s digital central infrastructure: one partner, one solution
Transform payment ecosystems using a proven, tailored, real-time payment solution with onsite professional consultations.
Promote financial inclusion and unlock revenue streams with new payment use cases
Maximize the benefits of real-time payments with ISO 20022 messaging and an API-friendly solution
Reduce complexities and monetize the real-time payments revolution
Increase speed to market with an integrated digital overlay solution and back-office capabilities
Sovereignty and governance
You own the scheme. We provide the world-leading solution and support.
- 10+ national central bank deployments
- Central bank governance retained throughout
- ISO/IEC 27001 certified data handling
Future readiness
Built for what comes next, not just what’s needed today.
- ISO 20022 native from day one
- Open API architecture for overlay services
- Settlement layer supports future CBDC integration
Proven at scale
Real deployments. Real volumes. Real central banks.
- ACI Digital Central Infrastructure powers national schemes processing hundreds of billions in transaction value*Â
- Deployed across the Americas, Europe, Middle East, Africa and Asia Pacific
- Implementation teams with direct experience of legacy-to-live migration
One standard. Every market.
Meet global standards for real-time payments
Whether it is mandated by government, driven by businesses or citizen demands, the real-time revolution is here. Update to global standards and facilitate scheme interoperability to benefit from real-time payments adoption.
Enable country-side processing of instant payments
Maintain the liquidity position for each participant
Process both financial and non-financial ISO 20022 messages
Generate settlement and reconciliation reports for participants
Connect to a rich suite of APIs to realize new payment use cases
Increase interoperability with global real-time schemes
Media
Transforming payment systems
How central infrastructures provide a foundation for real-time growth
While fintechs grab the headlines with innovative digital replacements for cash, there’s no escaping the fact that it is a country’s central infrastructure that does much of the heavy lifting
Create immediate business opportunities through central infrastructure initiatives
Governments and leaders of central banks have decided that the finance industry needs investment to be fit for the demands of digital economies
Three critical dactors for successful central infrastructures in a real-time world
Central infrastructures have a critical role to play within this environment and therefore need to be resilient, scalable and trustworthy
How new Zealand’s banks can prepare for upcoming account-to-account real-time payments
Most major markets are now either live with national account-to-account (A2A) instant payment capabilities or have them in development
GET MORE FROM YOUR Economy
Real-Time Payments Advantage
Offer in-demand features and services to drive new growth.
ACI Connetic
Accept, transform, and transmit any payment, for any purpose, in any form, from any source in real time, all in one cloud-native platform
ATM and self-service banking
Complete, end-to-end ATM solutions for terminal handling and transaction acquiring and processing for integrated self-service and digital banking
ACI Issuing
Single issuing platform for all cards, contactless, mobile and alternative payments and tokens, with global connectivity
Anti-money laundering
Strong, advanced AML compliance framework to maintain compliance with international and domestic regulations
ACI Fraud Management for Banking
Real-time, machine-learning-driven fraud management solution for banks, processors, acquirers, and payment networks
Fraud scoring services
Effortlessly stay ahead of real-time fraud with a fully managed, automated fraud scoring service driven by ACI’s patented incremental learning capabilities deployed in the Microsoft Azure public cloud
Consumer payment processing
End-to-end management of consumer payment instruments, banking channels and transaction processing for both cards and new digital payment types
ISO 20022
Meet ISO 20022 compliance challenges and migration deadlines, and improve the customer experience for high-value and real-time payments
Machine learning
Enhance fraud detection and financial crime prevention with AI-driven, self-learning algorithms that ensure compliance with PCI DSS v4.0, AML, KYC, and sanction screening.
ACI Enterprise Payments Platform
Enabling banks, processors, national infrastructures and fintechs to rapidly respond to shifting trends, mandates and new competition across all lines of business and payment types
*ACI Internal Customer data