Pivoting to the New Way of Intelligent Decision-Making:The Journey Toward Convenience

Neither the individual who initiated the first card-not-present transaction nor the organization that pioneered a customer convenience channel could have foreseen the trajectory and evolution of payment systems. Fast-forward to today – the commerce landscape continues to be propelled by consumer-preferred payment methods that are convenient, swift, and efficient.

Navigating the Future: ACI’s ATM Transaction Processing Trends

As digital banking sweeps the industry, automated teller machines (ATM) are adapting to the changing tides of consumer demands and fewer physical branch locations. ATMs are no longer just cash dispensers – they serve as multifunctional banking kiosks where routine and low-value branch transactions can be performed (cash or check deposits, bill payments, or money transfers).

Real-Time Payments Have Gone Mainstream – Explore Their Global Impact

Real-time payments are carving a new norm in the rapidly evolving payments landscape. Spurred by global governments and regulators, instant payments are viewed as a catalyst for economic growth, financial inclusivity, and transparency.

The Rise of Digital Payment Hubs in the Insurance Industry

How the evolution of payment hubs has helped to overcome challenges in P&C, health, and life insurance verticals.

How a Modern Payments Experience Can Help Credit Unions Gain and Retain Younger Members

I recently attended the 2024 America's Credit Unions Governmental Affairs Conference, where one of the speakers said something that caught my ear: Essentially, the younger demographic is not fully aware of the concept of a credit union, its unique characteristics compared to other financial entities and the reasons why they might want to consider banking with them.

Financial crime hits new heights – how merchants can fight back

According to Datos Fraud Experts, who just published their top 10 risks for 2024, fraudsters’ use of artificial intelligence (AI)-generated attacks tops the list as the number one risk. Datos' research shows that 81% of fraud executives are concerned that fraudsters using generative AI will exceed current fraud defenses. And TransUnion confirms this, sharing 60% of auto finance fraud losses are due to synthetic identity fraud. 2024 is the year for organizations to leverage AI tools and shore up fraud defenses.

Tackling Sophisticated Fraud: Innovations and Approaches for a Secure Digital Future

Fraud has permeated numerous aspects of our lives, infiltrating the most routine activities and transactions, causing unease and uncertainty for many individuals. In fact, fraud-related losses in the U.S. topped $10 billion last year, up 14% from the previous year, according to the Federal Trade Commission.

The 2024 Global Payments and Fintech Trends

ACI Worldwide has been supporting real-time payments since 2005, processing hundreds of millions of payments monthly across 26 networks. We provide software solutions to participant banks and central banks, facilitating secure real-time payment processing and offering fraud protection services.

Los sistemas de pago impulsan la expansión de los pagos inmediatos en Latinoamérica 

Aunque los pagos inmediatos son una realidad desde hace muchos años, no se puede negar que la transformación que supone el “tiempo real” ha despegado en Latinoamérica a un ritmo vertiginoso. No obstante, la tasa de adopción varía enormemente de un país a otro.

New Consumer Research Reveals Major New Cost Pressures in the Pipeline for Billers

or billers strategizing around payments innovation, it’s essential to understand consumer payments expectations and the wider financial pressures they might be facing.

5 Ways Optimizing Reconciliation Boosts Merchants’  Financial Health

Every merchant must reconcile transactions, but not every reconciliation tool is the same. Outdated back-end platforms can result in merchants missing out on multiple performance gains, while an automated, orchestrated approach can put their business out in front.

Long Live Digital Payments!

Good news for U.S. merchants of all kinds – money will be easier to spend than ever before through different means to digitize payments. Over the last 50 years, consumer spending habits have surged through the use of credit and debit cards and, more recently, the introduction of real-time payments and other alternative payment forms such as PayPal, Zelle and Venmo. U.S. market projections (see chart below) indicate that consumers will continue to adopt and expand usage of all non-check and non-cash payment types over the next five years.