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Real Time, Any to Any Payments: A Simple Explanation To Improve Payments
 
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The world of payments is rapidly evolving. Consumers are expecting more and incumbents have to provide new services to stay relevant. Real Time, Any-to-Any Payments provides banks, retailers and billers with an strategic solution to improve payments productivity and provide value to the consumer. It's a disruptive world. You need to step into the future to see how you can take advantage of disruption. For your customers, that means using any payment token instead of the branded card. For you, that means stronger customer relationships and risk management, lowered cost and real-time payments. ACI Solution can help you be a disruptor. Why real-time? Why now? Cards are resilient with inefficient infrastructure. They have quick payments with positive funds verification, but card payments are expensive and government regulation often means altering your business models just to profit from card operations. ACH payments are inexpensive and scalable, but ACH networks don't have instant funds verification. Payment recipients like merchants and municipalities assume an increased risk of non-payment. Settlements might take up to three days. By that time, payers may have insufficient funds in their accounts. Alternative networks, Paypal and Skrill, to name a few, are simple to use and have funds verification. They're expensive though and sometimes payment settlement takes multiple days. Since accounts are funded by account payment or through ACH, this third option relies on traditional payment networks to operate. Can you imagine a world where consumers have total control over their money. Imagine consumers, shoppers, anybody or any business, paying directly from their bank accounts, banks reclaiming a direct relationship with consumers and providing value to consumers. All the while, retailers and billers reduce their interchange costs without fighting the banks. As the world of real-time payments becomes reality, now is the time to enable cheap, quick, universal and secure electronic payments with instant positive funds verification, all built on reliable and proven technology. UP BASE24-EPS is that solution. Imagine a different world, consumers using any payment token, such as a smartphone or a non-branded card to deliver instant, secure, and inexpensive real-time payments directly between two accounts anywhere in the world. With UP BASE24-EPS as the enabling technology, retailers, financial institutions, and billers will all benefit from real-time payments. In this new world, everybody wins. Banks benefit from a more efficient process, reduced risk, and stronger relationships and increased revenues. Retailers and billers benefit from lower costs, faster funds availability and increased consumer-spending. Customers get instantaneous, secure access to a trusted source of funds and are rewarded for their loyalty. Take advantage of the disruption. Visit us today to join the future of payments. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 6150 ACI Worldwide
Real-time fraud prevention in a real-time world
 
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The nature of payments fraud requires real-time solutions designed to detect and prevent fraud before it happens. Learn what is required to thwart fraud and how UP Payments Risk Management solutions can put you in control of managing risk. Learn more: www.aciworldwide/paymentsrisk Commerce and banking channels are multiplying and providing consumers more ways to transact than ever before. From physical channels, like credit, debit and pre-paid cards; checks; ATMs and point-of-sale terminals; to digital channels like ACH, wire, internet, telephone, mobile devices and crypto-currencies. Consumers, businesses, merchants and financial institutions all benefit from anytime, anywhere commerce…but…there’s a dark side. Sophisticated fraud threats are multiplying even faster: malware and Trojans; account takeover and identity theft; credit abuse and bust-out scams; ACH and wire fraud; data breaches; money laundering and employee fraud. In fact, a single data breach can compromise tens of millions of account holders in a matter of seconds.
Views: 30307 ACI Worldwide
ACI BASE24-eps: Next Generation Payment Engine
 
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ACI's payments experts talk about how BASE24-eps helps our customers reduce customizations and how the powerful scripting engine can provide greater flexibility. http://www.aciworldwide.com/products-and-services/retail-payments/payments-processing/base24-eps.aspx --------------------Transcription ----------------------- Rob Cameron: You know what's great about going out and talking to customers about BASE24-eps is that what a lot of people forget is it's really a next generation payment engine and it's at least twice as fast. Our technology guys always hate when we say this but it's twice as fast as BASE24, thanks to its architecture, and it's far more flexible. So we go into customer projects and configuration takes away 70, 80, 90% of what they used to customize. That flexibility gives customers examples. We have a customer in the US that changed their fraud rules in eps every single day and cut fraud by 50%. It's not that the scripting engine in eps was designed to be used to that extent but it can be and that really speaks to the flexibility of the application. Andrew Price: Our most successful BASE24-eps projects are where ACI and the customer come in together with the joint objective of simplifying and rationalizing their system. Todd Arnold: I believe the migrations to BASE24-eps will be critical for customers as the foundation for the future. Industry changes, we will invest in BASE24-eps. If you establish the foundation now it allows you to quickly implement whatever the market will bring in the future rather than investing in your legacy solution that you would have today. Rob: I think a great example of customer efficiency is I used to work for ACI over in the U.K. office and we had a large Europe-wide switch as a customer. They put in our BASE24-eps technology and cut their transaction processing time by half. So they're now half of what any of their competitors take to do an authorization. That gives them a unique ability to do fraud management and all these value added things that their competitors just can't compete with. Steve Beumler: The most interesting thing is banks that are looking to move from BASE24 to BASE24-eps. As we get involved in those discussions in the migration it's an opportunity to really see what are all the different systems that I have. What are the costs associated with running this system today? As we work through with them and define what are the customizations they have that frankly will go away. In a lot of cases that we've looked at perhaps 70% of the customizations that were done on a BASE24 system going away with BASE24-eps. That's not only a one shot deal but every time they migrate they're not having to go to that expense of all those customizations. Andrew: One of the competitors that we deal with often is an in-house solution. Customers have created their own payment engine effectively over many years. Of course the issue with that approach is they have to fund all of the enhancement work themselves directly. Through all of our customers we see the same types of requests for enhancement in many environments and effectively the costs of developing those enhancements can be shared amongst those customers. So individual customers are not going to pay as much for a particular function as they would to develop it themselves. Todd: Initial migration may be a big event for the bank. For instance, to come from BASE24 to BASE24-eps is not a trivial manner. With the CSM methodology the uplifts from version to version will be significantly less of an impact to the customer because of the way that we have the CSMs bundled. And adoption of the CSM methodology, it will essentially be a recompile and then retest versus a traditional retrofit. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 5051 ACI Worldwide
ACI Worldwide Deploys Mission Critical Global Payment Systems
 
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ACI Worldwide software powers electronic transactions for financial institutions, processors and retailers around the world - all the time, without fail. Learn more: http://www.aciworldwide.com All transactions operate on trust. The Head of Payments knows he won't read about an ATM network failure in the morning news. The Office of Foreign Control knows money passing through this bank has been verified. An operations manager is confident a hardware failure won't result in his looking for a new job. And a risk manager sleeps at night, knowing the position of the bank is safe. At ACI, we understand and manage the incredible complexity of worldwide payment systems in over 80 countries, with over 90 billion consumer transactions every year, and over 12 trillion in wholesale payments every day, all while preventing fraud across the payment supply chain. Payment systems is what we do. Trust is our business. In fact, 19 of the top 20 global banks trust ACI. A top 20 U.S. bank converges 5 systems into one environment, lowering operational costs of transactions by 90%, using ACI's money transfer system. A major bank in the Asia Pacific region achieves a 62% drop in counterfeit credit card fraud using the ACI Proactive Risk Manager. One of the UK's largest financial institutions reduced fraud 80% after implementation of ACI's Proactive Risk Manager coupled with BASE24. A major Asia Pacific bank saw a 90% improvement in the level of dollars lost per fraud event, using ACI Proactive Risk Manager. A top worldwide payment processor achieved $10 million worth of savings utilizing ACI Acquirer alongside their existing deployment of BASE24, and then achieved a 25% reduction in merchant fraud through the use of ACI Proactive Risk Manager. Since 1975, we've committed to earning your trust every day with every transaction in every corner of the world, with expertise over 2,100 trusted associates in 28 countries worldwide, with stability, strong earnings growth, and a solid balance sheet, and with reliability driving the world's most critical payment systems from wires and RTGS to ATM's and car payments. ACI payment systems trusted globally. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 2169 ACI Worldwide
ACI's Universal Payment Platform. What Does UP Mean to You?
 
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Universal Payments: Transform traditional payments environments to address emerging opportunities, including mobile, social media and web payments. http://www.aciworldwide.com/UP One of the biggest challenges that we are seeing in payments today is that institutions are trying to figure out how to bring new products online quickly, easily, and efficiently. Whether it be presentment, multiple payment types, and channels, often from multiple vendors and what that's done is really create a chaos. We are able to support the consolidation of payment silos, and achieve cost efficiencies and faster time to market with a new toolkit that is called Universal Payment Platform. It's a game changer because there's a lot of software companies out there that have frameworks, they have individual components...The Universal Payments Platform allows our customers to connect across any platform, any time of payment in a seamless manner. The most important addition is probably the fact that it's going to speed the development and coding from possibly months to maybe weeks at a time. We have the ability and a rich depth of products set in order to bring together those solutions and enable full enterprise platform. And by enterprise, we mean the ability to support any channel, any payment type and any currency, any device or network that we are connecting to. What it really is going to expedite is the mobilization of payments. So it's going to enhance the customer experience. It will enable us to process in a much more efficient way. And that helps the clients by increasing their electronic payment rate. The most important aspect of Universal Payments is to support a bank's end to end payment structure and philosophy in a very scalable and reliable environment. Universal Payments means to me faster time to market, lower cost, cleaner integration, more responsiveness. Universal Payment means to me the ability to empower our financial institution customers to deliver in country, in context payments across the globe. Up ahead of innovation. Up ahead of change. Up ahead of the industry. Up ahead of the competition. What does "up" mean to you? SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 50685 ACI Worldwide
Westpac New Zealand transform their IT culture using Agile and DevOps techniques
 
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Westpac New Zealand embarked on a journey to move from a waterfall methodology to a new agile way of developing products. ACI were chosen to partner with Westpac New Zealand as they transitioned to a faster way of doing business. The ACI Universal Payments Framework is used to be the orchestration layer, complementing the existing Westpac New Zealnd payment engines and fraud prevention solutions. Payments innovations and changes that used to take weeks or months now happen in hours.
Views: 433 ACI Worldwide
Westpac New Zealand Deploys ACI Proactive Risk Manager w/ AI, Machine Learning & Pattern Matching
 
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The move to real-time payments means a greater risk of fraud, and the opportunity to recover stolen funds is greatly reduced. Westpac chose ACI's Proactive Risk Manager -https://www.aciworldwide.com/products/proactive-risk-manager
Views: 9753 ACI Worldwide
ACI Worldwide's Universal Payments Platform
 
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ACI Universal Payments empowers end-to-end enterprise payment capabilities - accelerating time to market, reducing risk, growing revenues and controlling costs. http://aciworldwide.com/up What is ... up ahead? The disruption and rate of change in the global payments industry is accelerating as new networks, regulations, payment types and devices rapidly enter the market. Customer demands are ever increasing and new competitors are emerging every day. Now more than ever, businesses need to equip themselves with the tools to face these challenges head on...to boldly accept them and to turn them into a competitive edge. Are you equipped to embrace change and leverage disruption to your advantage? Or are you bracing just to stay afloat? ACI is ready to help you anticipate change and get ahead. UP ahead of the competition. Introducing ACI's Universal Payments strategy, a completely re-imagined payments approach, from the world's most trusted payments company. ACI gives you peace of mind by delivering flexibility, choice and control, to empower you to reduce complexity and differentiate yourself from the competition. UP ahead of change ACI Universal Payments Platform is at the core of ACI's strategy to enable end-to-end enterprise payments. It delivers an innovative architecture that bridges existing systems with future needs. It leverages ACI's leading payment solutions and it accelerates the development of new endpoints and channels reducing time-to-market. SUPER: UP ahead of the curve. The Universal Payments Platform connects payments infrastructure more rapidly and simply using a service-oriented architecture based approach (SOA). This allows you to create new combinations of services to facilitate innovative payments processing. UP ahead of innovation You might say the Universal Payments Platform uses the power of orchestration to transform complex payment environments into a finely tuned symphony. It eliminates processing silos.Reduces costs. And was inspired and built to improve your customers' overall experience. With ACI Universal Payments Platform, you are prepared to celebrate change and confidently turn uncertainty into exciting new opportunities for your customers.UP ahead is a place reserved for the leaders. The problem-solvers. The game-changers. UP ahead with ACI Move UP Ahead with ACI Universal Payments Platform. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 56941 ACI Worldwide
InterACT Universal Banker Meets Needs of Branch Banks
 
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Meeting the evolving needs of branch banking. Learn more at http://aciworldwide.com In the early days, banks had a more simplistic world to contend with. There were deposit accounts and loans, and there was one channel, the bank branch. Customers were customers for life, but then things began to change. Other banking channels popped up from ATMs to IVRs, all the way to online and mobile banking. The competition to offer customers the right products and services became fiercer. Banks began to offer more products, like insurance, investments, and wealth planning in order to meet customer demands and to keep pace with growing revenue goals. As customers become more inundated with technology, they're expectations change. Services have to be fast, fully-encompassing, and personalized. These changes have closed the geographical gap between competitors, while making it easier for customers to search and find their best deal. When a customer contacts your bank, do your employees see a 360 degree view of the customer to really know who they're servicing? Can they make offers and provide advice that is relevant and personalized to them? Are they able to continue that online account application where the customer left off without having to make the customer resubmit information? The one simple world of banking is no more. Are your employees armed to meet these new expectations? Or is your software still fighting the old battles? Interact Universal Banker from ACI, turning transactions into interactions, helping you set the standard for what expectations should be. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 1816 ACI Worldwide
Union Bank Deploys BASE24 for Processing ATM & POS Transactions
 
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Union Bank customers now create their own access to all alternate delivery channels: online banking, mobile and phone banking without approaching the bank. http://www.ACIWorldwide.com Lalit Sinha, General Manager, Alternate Delivery Channels & New Initiative Department from Union Bank of India said, "Our customers now have complete freedom from paper applications, mailed PINs, and the wait associated with them. Password generations and dispatches have become a thing of the past. BASE24 played a pivotal role in all of these new implementations and, without it, we wouldn't have been able to achieve everything we have done." ---------------- Transcription ------------------- M. V. Nair: I am M. V. Nair, Chairman and Managing Director of Union Bank of India. Union Bank of India is the 5th largest nationalist bank in the country, having about 3,100 branches across the country. The whole objective that we have set is to become the number one retail bank in customer experience across all touch points. Union Bank has taken up a Customer Empowerment Program as one of the major key initiatives. The biggest challenge today we have in the country is to bring 50% of our population, who are not yet banks' customers, into the banking fold, and when we do that, it has to happen through technology and customer empowerment. Lalit Sinha: Customer Empowerment was the program aimed at enabling customers to create their own access to all the services. It was our experience that the customer has to go through a lot of wait, pain when it comes to getting services like ATM, net banking, phone banking, etc. For a debit card PIN or internet banking, it was normal to have a five to seven days wait time to get the user ID, password, PIN, and the card. So the entire Customer Empowerment Project was conceived to relieve the customer from all these pains and waits. M. V. Nair: One of the initiatives which became extremely successful has been the introduction of ready kit. A customer who walks into a branch to open an account, he gets a ready kit, which has the debit card and the PIN number, and he gets it on the spot. Lalit Sinha: Ready kit debit cards are, in fact, non-personalized card that we issue our customers when they come to open an account. These cards are as good as personalized cards. They can be used across ATMs, merchant establishments, for online transactions, and the added advantage is that, through the customer empowerment, we have empowered this card to create access for net banking, phone banking, mobile banking, etc. This entire implementation was done in very close coordination with ACI. It took us some 18 months time only to implement the complete customer empowerment. It required actually multiple interfaces between different systems, like net banking, mobile banking, phone banking. There were a couple of challenges. In fact, security was the primary concern, and we thought we will use the BASE24 for validating the customer. BASE24 provides a full-proof security through debit card and PIN. This is a very reliable and a very reputed solution across the globe, and we had complete faith in its capability. M. V. Nair: The Customer Empowerment Program has impact on cost reduction. It has impact on the transparency. It has impact on the convenience that the customer finds himself in using the channels. As a result, our ATM, what we have installed has become 2,600 now, and we are increasing to 5,000 by the end of this year. So it will have a major impact on the economy. Lalit Sinha: Having achieved customer empowerment successfully through BASE24, we plan to use the same capability whenever we are extending new services and adding new channels. BASE24 provides an excellent validation platform, and we are going to use it in many new applications in the future. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 4410 ACI Worldwide
Rise up to meet customer demands with UP Transaction Banking
 
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Support your customers as their business expands, and you capture greater market share. Help your customers gain real-time visibility and control over payments and liquidity information. Let UP Transaction Banking by ACI help you RISE UP and exceed your customers’ demands today. Learn more: http://www.aciworldwide.com ------ Transcription -------- The transaction banking is undergoing significant transformation. Regulatory demands, globalization, new competitive entrants and the speed of technological change are all contributing to a perfect storm. In this disruptive environment, you must RISE UP to meet customer demands to remain competitive yourself. As a bank, you serve a wide spectrum of business customers, from sole proprietors to multi-national global corporations. Each of those businesses has specific needs and wants you to treat them uniquely. That’s no small feat as you segment your customer base, trying to provide each group with cash management tools to better run their particular business. Small businesses that compete against larger ones often feel undeserved and overlooked by big banks. They want a bank that offers solutions tailored for their specific small business needs. Being able to get their banking done on-the-go isn't a perk, it’s a priority. For mid-sized and large corporate customers with more sophisticated treasury needs, they want you to help them manage their payments and receivables more effectively. They require better visibility to help them make decisions and manage liquidity needs. Ultimately you win new customers and keep loyal ones when you meet each customer’s specific needs and goals! UP Transaction Banking offers an end-to-end solution to address the unique treasury and trade finance needs of any size business and a single platform for cross-border and domestic payments processing. Maybe that small business is growing and needs to import components from overseas? Or your large corporate customer is expanding its global market presence? UP Transaction Banking enables a financial institution to offer new international services quickly and easily using a solution that is designed to grow with your customers’ needs. And it doesn't force your customers to change platforms to get these capabilities. Support your customers as their business expands, and you capture greater market share. Help your customers gain real-time visibility and control over payments and liquidity information. And with UP Transaction Banking, security is a given, not a feature. A layered set of enterprise tools for fraud prevention, analytics and sanctions filtering helps mitigate risk and protect your customers. ACI’s hosted solutions offer the continuous uptime needed to protect your bank’s brand with the breadth of capabilities to satisfy your most sophisticated customers. Using UP Transaction Banking, you’ll be able to treat customers as one of a kind. Let UP Transaction Banking by ACI help you RISE UP and exceed your customers’ demands today. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 1329 ACI Worldwide
BASE24-eps 2.0 Overview: Top Four Benefits
 
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Jeff Hale, SVP of Retail Payments, provides an overview of four distinct segments of BASE24-eps 2.0 functionality and describes its benefits. http://www.aciworldwide.com/products-and-services/retail-payments/payments-processing/base24-eps/v2.aspx ---------TRANSCRIPTION-------- There are really four main drivers of what's in that release. The first one is user-driven requirements for things like security, self-service processing, and other basic needs around mandates and those kinds of things, kind of a typical thing we would put into a release. On the more innovative side we've introduced a thing called the customer component. The customer component will allow BASE24-eps to natively process a transaction that did not come from a card. So the transaction could be initiated based on a cellphone number, based on a bank account number, based on email, or any kind of token that the customer wants. Which really expands the usage of BASE24-eps in the new markets like mobile payments or person-to-person payments, where a card is not actually part of the payment screen. We've actually got a lot of good feedback from customers who see different ways they can use that to expand their business. The third piece is we're actually doing what we call service-enabling BASE24-eps. We're wrapping it, BASE24-eps, with a services wrapper which will allow it to then expose very specific services for authorizations, authentication, routing switching kind of thing. So that any other application that ACI offers or that the customer has that can do a services call, what we call invoke a service, can use a service from BASE24-eps. It's really going to [extend] what people can do with BASE24-eps beyond traditional card-based and ATM and debit card-based processing. The fourth thing is we're going to leverage the new EPP technology. This is going to give customers and our partners, and our own development teams a much quicker way to deliver new endpoints, which could include things like new devices, say, for self-service, or for mobile or teller assistant kind of things. Or for new network interfaces, either because someone wants to offer a new service that requires a new payment network interface, or they're in a new geography that we haven't traditionally been in, in a country where we have to interface with the local payment networks. That technology will really advance not only how quickly we can bring those things to market, but how they then can be supported and changed overtime using configuration parameters of EPP. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 1845 ACI Worldwide
Any Payment, Every Possibility with ACI's Universal Payments Solutions
 
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Learn how ACI is transforming the world of payments for banks, financial intermediaries, merchants and corporates with Universal Payments - UP. https://www.aciworldwide.com/solutions/universal-payments Payments, they're the backbone of our global economy, the practical foundation of our daily lives. Payments turn ideas into action and turn innovation into progress. Payments help people do extraordinary things every day. At ACI, we're transforming payments. For more than 40 years, we've driven electronic payments innovation, making payments more direct, secure, and open across the world and across devices. With Universal Payments, UP, we're creating a world of possibilities for you and your customers. New possibilities to launch offerings quickly and easily. New possibilities to transform from complex legacy systems to open, modern technologies. New possibilities to create more direct relationships with customers and offer their favorite ways to pay. Universal Payments (UP) frees you to thrive by letting your customers pay in real time, with any device through any channel in any currency, anywhere in the world. It helps you combine more payment capabilities in innovative ways in the cloud or on your premises. It delivers the unparalleled performance and security that thousands of customers have come to rely on to power their mission-critical payment solutions. And it does it all by protecting your existing investments and providing the lowest total cost of ownership. In a world of relentless, accelerating change UP gives you the power to offer fast, simple, and secure payments anywhere in today's connected world. With UP, your payment possibilities are unlimited. https://www.aciworldwide.com/solutions/universal-payments VIEW MORE GREAT VIDEOS ► https://www.youtube.com/channel/UC4-EqZ6KRUgt7q57nbzJtRQ?sub_confirmation=1 SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide/
Views: 1660 ACI Worldwide
ACI Prepares Banks & Retailers in Launching Mobile Services Using Existing Payments Infrastructure
 
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Use your current payments infrastructure to launch innovative mobile money services. http://www.aciworldwide.com/mobile To thrive in the new mobile economy, banks and retailers need to provide innovative mobile services that allow customers more convenient access to and control of their finances anywhere, anytime. At ACI we provide extensive payments processing expertise and a portfolio of mobile products that span banking, payments, and commerce. By partnering with us banks and retailers can avoid the costly and time consuming process of replicating infrastructure and efficiently launch new services that drive revenue, engage customers, and differentiate their business from the competition. The new mobile economy promises many benefits for banks and their customers whether corporate or consumer. For banks it's new opportunities to increase revenue and foster customer loyalty. For customers it's more convenient management and use of their funds. However, for both to gain those benefits it takes a flexible, trusted payments infrastructure. Take David, he's the Finance Director at a large corporation and he's busy. Too busy to sit behind a computer all day. But that doesn't mean business stops when he's working off-site or out on personal errands. Fortunately, he has the ACI mobile enterprise banker for tablet app. He receives a call on his mobile phone about an urgent wire transfer of $150,000 that has been initiated and needs his approval. Before making such a big decision he uses the mobile enterprise banker for tablet app to quickly run a set of predictive scenarios on how the transfer would impact his company's liquidity. Satisfied by what the scenarios tell him, he approves the transfer right from the tablet. All without disrupting his free time. What helps keep his professional life mobile also does the same in his personal life. No sooner does he put away his tablet than he receives an alert on his smart phone from his personal bank. His bank uses ACI proactive risk manager and with it detected a purchase on his credit card outside of his usual purchase area. Since David had just come from a new client site out of town and did indeed make that purchase, he easily confirms that the transaction was his with a quick text. Confident that his bank has the tools to protect his financial interests wherever he is. The new mobile economy impacts all types of transactions including purchases and person to person payments. Banks that extend the security, verification, and routing features of their existing infrastructure will stay competitive in this rapidly evolving mobile economy. On his way to a coffee shop, David remembers that his bank has pre-approved a credit card in his name. To take advantage of the offer David opens his bank's mobile wallet on his smart phone and accepts it. His bank then securely downloads a credit card payment app via ACI token manager from mobile at ACI issuer. At the coffee shop David purchases his coffee by touching his near field communication enabled smart phone to a point of sale terminal. Behind that simple is a trusted transaction process that includes BASE24-eps, which is used by the bank, and retail commerce server, which is used by the retailer. But all David knows is that when he wants coffee he can get it fast, easily, and securely. A few moments later he receives an SMS alert asking him to confirm his purchase. Proactive risk manager has identified the transaction as the first on his newly authorized card and his bank wants to ensure that the transaction is a valid one for the new cardholder. After confirming with a simple text that it was an authorized purchase David gets a text from his daughter. Her prepaid phone is running out of minutes and she also needs cash to buy her mom a birthday present. Just a few taps later, using the same smart phone, David has topped off his daughter's phone card and allocated cash that she can pick up at any of his bank's ATMs. ACI's BASE24-eps enables both transactions easily and securely and all before his coffee cools. The new mobile economy presents an enormous opportunity for the retail world. Through innovative mobile programs that include coupons, advertising, rewards, and new payment options stores can earn space on their customers' smartphones through their mobile wallets. Extending their brands and engaging their customers. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 1025 ACI Worldwide
MasterCard Selects BASE24 & BASE24-eps as Core Processing for Integrated Processing Solution
 
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Deliver debit processing, prepaid processing, ATM driving, exception processing, fraud management and card inventory management. http://aciworldwide.com/mastercard BASE24-eps is the core processing engine for IPS, and was chosen because of ACI's experience and research, and 24 x 7 platform availability. Along with the increase in electronic payments, MasterCard was also seeing an increase in fraud and its systems need to be adaptive to address the changing fraud patterns that are occurring. The new transaction filtering component to BASE24-eps allowed MasterCard to block prohibited transactions as well as transactions with a high probability of fraud. ... And MasterCard's corporate clients see both the reduction in the direct cost of fraud as well as indirect cost of the lost relationships. Chris Emert: I'm Chris Emert, Senior Business Leader, Integrated Processing Solutions at MasterCard. Along with the increase in electronic payments, we are also seeing an increase in fraud. Our systems need to be adaptive to address the changing fraud patterns that are occurring. Alex Inovenkov: I'm Alex Inovenkov, BASE24 Platform Architect at Integrated Processing Solution at MasterCard. We came up with the idea for the transaction filtering component when we were looking at the requirements from two different customers with two very different business models: one customer, debit; the other, pre-paid. One customer wanted to be able to decline transactions that matched certain criteria, such as coming from certain merchant category code or a country. The other customer wanted to be able to send only certain transactions with certain data elements for real-time scoring of the fraud engine. And when we looked at both of these requirements, we basically were seeing that customers are asking for a universal transaction filter that could be configured and we could match transactions based on the transaction data elements and then just take appropriate action on them. Chris Emert: MasterCard IPS, or Integrated Processing Solution, was launched in 2008. In a single connection, it delivers debit processing, pre-paid processing, ATM driving, exception processing, fraud management, and card inventory management. ACI BASE24-eps was chosen as the core processing engine for IPS. It was chosen because of ACI's experience in research and 24 by 7 platform availability. Alex Inovenkov: Over the years, we have developed a good working relationship with ACI. Because of the wide range of our technical requirements, we actually, a few times, worked together on implementing an important software modification to the standard BASE24-eps product. The BASE24-eps application has proved to be flexible enough for developing software modifications, and our filtering component to BASE24-eps gives us a competitive advantage over other processors who don't have as flexible and powerful solution. Chris Emert: Ever since we brought our first client on the platform, three years ago, we've been continually implementing new customers. During that time period, we've build expertise on the customization and implementation of the platform. Alex Inovenkov: The new filtering component of BASE24-eps allowed us to block more than 12,000 prohibited transactions as well as more than 5,500 transactions with a high probability of fraud. Card users actually see the difference because they see less fraudulent transactions posted to their accounts, and our corporate clients see both the reduction in the direct cost of fraud as well as indirect cost of the lost relationships. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 2725 ACI Worldwide
Same Day ACH and Real-time Payments: Uncovering Key Differences
 
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Same-day ACH brings much-needed improvements in speed for bulk payments. Learn how same day ACH payments differ in the U.S. from immediate payments through real-time processing schemes Learn more: https://goo.gl/xrxScs ACI Worldwide will partner with Lipis Advisors to discuss the unique characteristics of same-day ACH and real-time payments, examining functional and strategic uses cases for each. Institutions considering their real-time payments business strategy will take away helpful insights from leading industry experts. Key topics: - A comparison of real-time and same-day ACH characteristics - Uncovering the optimal use cases for both payment types - The benefits of real-time in the new, digital payments world Speakers: Austin Winters, ACI Worldwide Colin Adams, Lipis Advisors SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_c... SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/a... CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-... Google+ ► https://plus.google.com/+Aciworldwide...
Views: 1596 ACI Worldwide
Real-Time Payment Processing Management with ACI Payment Service Manager by Prognosis.
 
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ACI Payment Service Manager powered by Prognosis. Learn more: http://www.ACIWorldwide.com How can you get mission critical payment application monitoring and management with your payment applications? See how ACI Payment Service Management, powered by Prognosis, meets the needs of every user in your monitoring and management stream with business specific real-time insight. Meet Jim and Robert. Jim is the Product Manager at FCIB, and Robert is the CEO. They are discussing the rollout of their new Diamond Banking Card. Robert: Hey Jim, how's the rollout of our new Diamond Business Card coming along? Jim: I was just reviewing the current data and monitoring performance here on our dashboard. I can see how many transactions are occurring, the average transaction rate, the average purchase value, which cities are popular, and, as you can see, here are the transactions from our partner bank, OTFB, all in real-time using this dashboard by Prognosis. Robert: Excellent. How's our new card doing? Jim: Good. Yesterday we exceeded 50,000 transactions. You can see that the card is mostly being used in Fresno, as expected, but we're also doing well in San Diego and San Jose. Robert: Great. So are the volumes growing? Wow. Nice upward trend. Jim: Yeah. Prognosis is also a great analysis tool. See here I can look at trends over the last 30 days. Here. Nice growth, wouldn't you agree? Robert: Absolutely. Hey, what is that? Jim: Hmm, looks like there's a substantial fall off in transactions from our partner bank. In fact, it looks like there's absolutely no transactions. Let's call Operations and see what's going on. [phone beeps] Hey, that's Ops calling now. [phone beeps] Mort: So Peter, as you can see this ACI Payments Service Management dashboard lets me look at several aspects of the FCIB system all at once. Whoa. Something's going on here. Let's look at the alert. Looks like Prognosis has detected that the link to OTFB has gone down. It tried to self-heal by restarting our side of the link, but looks like it's their side that's broken. Peter: Let's check the impact of this outage. Mort: Okay. All transactions destined for OTFB are being declined. We'd better give them a call. [dials, rings] Mort: Hey Bob, Mort in Operations here. We have the link to your bank. It's gone down, and we're declining transactions as a result. Yes, Bob, we've tried restarting the link from our side, but it's still down. You need to restart from your side. Okay. Yeah, it looks like you've got it fixed now. Our transactions are succeeding, and Prognosis has closed the alert. I'll let Jim know about this. With the launch of the new Diamond Card, you know how important an inquirer OTFB is for us. [beep] Jim: Great. Mort in Operations is on top of it. Looks like our partner bank had an outage and their system wasn't sending transactions. Okay. There we go. Transactions back up again. Robert Excellent. This real-time management system is great. By finding and fixing these problems so fast we've kept customers happy and saved thousands of dollars. ACI Payment Service Management, powered by Prognosis, delivering real-time business insight with business specific dashboards and enabling operational excellence with complete visibility into the payments environment. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 1330 ACI Worldwide
ACI Provides Universal Online Banking in a Single Platform
 
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Deliver personal, small business and corporate online banking services from a single platform.http://www.aciworldwide.com/universalonlinebanker ACI Universal Online Banker is a single platform developed to offer leading edge features and functionality that support customers from small business to middle market to large corporate customers with online tools to easily manage the daily collections, disbursements and liquidity needs of their business whether around the corner or on the other side of the globe. Built with over 25 years of cash management experience, ACI Universal Online Banker is a sophisticated multi-lingual, multi-country and multi-currency solution that provides users real-time data on account balances and transactions as well as straight-through processing on payments from ACH to SWIFT. ---------------------------------------- In the past, banks typically delivered internet banking functionality through a personal banking solution, a small business solution, and a corporate banking solution. By delivering Universal Online Banker, where all of the features are under a single solution, we give our banks the ability to package the solution, to package features, in a way that meet their customer needs, so much so that they can tailor the solution to an individual customer and can put the features in that package that are perfect for that customer. The term we use inside the product is called a 'class of service', and a banker defines an unlimited number of classes of services, and then really looks through a huge checklist of everything that's in the product. You could have a Small Business Bronze, Small Business Silver, and Small Business Gold Class of service, and you could add features to each of those. The other thing that's neat inside Universal Online Banker is the concept of the ability to associate a theme with a class of service. A theme is a different rending of the user interface, because one size never fits all. When we deliver Universal Online Banker, we deliver it with 5 themes. Banks have tended to produce products the way they want to produce them, which is not necessarily the way the customer wants to consume them. Our job at ACI is to give the banks the tools to let these customers consume these through whatever channel is appropriate; to manage that interaction so that customers can start transactions in one channel and finish them in another. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 1792 ACI Worldwide
EMV: Launch Your Smart Card Program For Future Growth
 
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Learn how UP Token Manager, the ACI EMV lifecycle management solution helps card issuers launch their smart card program while supporting the payment solutions of tomorrow. http://www.aciworldwide.com/what-we-do/retail-payments/emv-solutions/emv-for-issuers.aspx ------------- TRANSCRIPTION ------------- More and more payment card issuers are making the transition from magnetic stripe to EMV chip cards, a global standard that is more secure and can support many additional services. But when migrating your card portfolio, will your system be flexible enough to support future functionality? ACI Worldwide's UP Token Manager is a software platform that not only addresses the basic requirements to issue and manage EMV cards today - but offers a modular system to expand functionality and align with your customer’s needs tomorrow. For example, it lets you load multiple applications onto cards, enabling you to partner or expand in to areas such as transit, ticketing, and access control. It gives you the ability to instantly issue EMV cards in your branches to avoid delivery costs and achieve a top-of-wallet positioning. ACI Worldwide's UP Token Manager also lets you update cards that have already been issued, saving you on replacement costs when adding applications or adjusting spending limits and customer profiles. Finally, it supports multiple form factors and can serve as a gateway to mobile payments – enabling you to also manage NFC applications. Make your business future proof with ACI Worldwide's UP Token Manager, giving you the competitive edge to exceed customer expectations today and tomorrow. Visit our website for more information! SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 368 ACI Worldwide
Merchant Payments for eCommerce from ACI Worldwide
 
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Today’s digital consumers are demanding more convenient and seamless ways to shop, interact and transact with merchants. As a result merchants continue to need to find new and better ways to engage their customers – and payments are central to this shopping experience. ACI’s UP eCommerce Payments solution dramatically simplifies the integration of payments into any eCommerce website or application, including mobile apps. Learn more at: www.aciworldwide.com/solutions/up-ecommerce-payments
Views: 915 ACI Worldwide
ACI Worldwide Commits to the Future of Postilion
 
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Jeff Hale of ACI Worldwide discusses ACI's continuing investment and commitment to Postilion in Barcelona 2013. Learn more about Postilion at http://www.aciworldwide.com/positilion ------------------------ It's an interesting process because we did the acquisition about a year ago. I believe there was some concern across some of the Postilion client base that maybe we would sunset or even end-of-life the product. I've been spending a lot of time with clients, both one-on-one and in the sessions, demonstrating our commitment to the product, how we're using it as a strategic weapon to attack certain markets around the world. We've put a formal product management function in place which didn't exist prior to the acquisition so we're really excited about what the product can do, not only in terms of new markets like the merchant retail market we talk about but also some emerging markets where the postilion product is probably a better fit. It has a robust SDK, we can use it with partnering programs to go in to some countries, but probably as importantly we've got an active investment in the product, we're continuing to put new releases out. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 786 ACI Worldwide
Building Relationships and Customer Trust, ACI Worldwide
 
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ACI's payment experts explain why ACI Worldwide is trusted by customers around the world. http://www.ACIWorldwide.com Speaker 1: So why is ACI the best choice over competitors? I'd say stability and our proven ability to actually deliver systems is what really sets us apart. Speaker 2: Most of the things we do are not hard to do in a small payments environment or in a simple environment. They get really hard at scale and that is something ACI has really made hallmark of over the years. Speaker 3: Well, I think we see people now who look for not just what they are going to be doing in a year or two, but what are they going to be doing in five or 10 years' time, and who can partner with them to do that. Speaker 4: Well, I think ACI's long term relationship with the many, many banks that we do have relationships with is key. Right now with so much disruptive technology going on and the way people are doing things, there's a lot of little start-ups out there that are experimenting with new technologies and new capabilities. I think where ACI has a real competitive advantage is we've been around for 35 years. Those financial institutions know that for the heavy lifting payment processing kinds of things that I've got to make sure happen every day within seconds or less than seconds, especially if you're talking about consumers buying things in stores. It's not uncommon to see someone who has to be able to process 600, 700, 800 transactions a second. Our systems are known for that. They are known for their reliability, scalability, and as long as we stay true to that, I think ACI is going to enjoy a good position with our clients in the Americas. Speaker 5: The first thing that it is going to be able to offer is a consolidated platform to the customers. They are going to get the benefits of reducing costs which is very important nowadays, increasing efficiency, and having a repeatable model that they will be able to deliver not only in EMEA, but also in Americas and Asia Pacific. This is very important for a company like First Data which is such a global company. Having said that, I think ACI should be very proud to demonstrate their industry that we can support a company like First Data; that is such a huge challenge that they are going through. We can deliver services and products that can help companies like First Data to go through this worldwide consolidation. Speaker 6: The other day, I had a specific meeting with one of the IT directors for that program, and basically he said you know, after all we went through, all these efforts we have done, all these days and these weeks of work and so forth, but in the end this is one fantastic machine, and one fantastic software. This is the main thing that they want, is to know that they have robustness and capability to process no matter what. So, in the end, what prevails is the satisfaction of having a happy customer because the software is like clockwork, and that is key for ACI. It's product quality. Speaker 7: About 60% of our revenue comes outside the US and that gives us diversification of knowledge, diversification of solutions, and ironically it actually helps us in economic times as one part of the world might face an economic crisis of sorts. We're a little bit insulated because we don't have a tremendous penetration of revenue in any one single market. Speaker 8: Global services has over 500 payments consultants located around the world, physically located in 29 different countries, with over 3,700 total years of experience in ACI Solutions. The difference they make when they show up on a customer site, they know so much about payment solutions and are able to translate that effectively to the customer's business needs. The customers see their value, appreciate them, and demand them again. The truth of the matter is our payments consultants have probably forgotten more about payments solutions than most people in the world know today. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 434 ACI Worldwide
Westpac New Zealand and ACI team together to deliver state-of-the-art real-time payments offerings
 
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ACI's Universal Payments solutions, including the Immediate UP Payments, UP BASE24-eps on Linux and Proactive Risk Manager, have been implemented by a joint team from Westpac New Zealand and ACI Worldwide to provide an industry-leading real-time payments hub for the bank's customers. Co-located engineers and technicians embraced Agile and DevOps system development approaches to create a state-of-the-art IT environment within the bank and a new paradigm for building products and innovations.
Views: 334 ACI Worldwide
The Opportunities and Challenges of Growth with Pick n Pay
 
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Jason Peisl, group solutions architect for supermarket chain Pick n Pay, a major retailer in Africa, refers to ACI’s Postilion payment platform as “the goose that lays the golden egg”. In this video interview, Pisl explains how payments are critical to Pick n Pay’s success and how ACI Worldwide is supporting them in serving their customers. Supporting Pick n Pay’s evolving payments environment with UP Retailer Payments since 2000 We refer to Postilion as the goose that lays the golden egg, payments these days is critical for us, especially card payments, 75% of our transactions are paid for using credit cards or debit cards, so we need to ensure that 24x7 uptime and 100% availability of our card payments environment, which Postilion offers us consistently. A long term partnership We were one of the first retailers in South Africa to deploy Postilion about 16 years ago and it’s been a great journey since then, for most of that time we used the basic functionality of switching EFT transactions. Pick n Pay relies on Postilion for loyalty, online and mobile payments Two years ago we made a strategic decision to invest a lot in the platform and the application, based on the fact that Postilion has a great track record from being able to handle high-volumes in a robust environment with almost a 24x7 uptime and it is now essentially evolved into an enterprise service bus for us. So, it is the core component for our Smart Shopper Loyalty program, our Brand Match Program, our online shop, and our mobile platform. In 2015 Pick n Pay reached a transaction per second record The day before Christmas, we hit a record from a volumes point of view. We were hitting up to 600 transactions per minute and because Postilion is now our enterprise service bus, we send all of our sales transactions through Postilion so they were hitting 100 tps comfortably and the boxes were running at probably 15% of their capacity. ACI helps address today’s challenges Retail over the last few years has become a lot more complex, it is not just a case of selling baked beans and accepting cash and accepting card payments. We do a lot more value-added services and we accept a lot more payment mechanisms other than standard cards; mobile payments, digital wallets and those sort of things. Integration has become a nightmare for us, using Postilion as essentially an enterprise service bus, integrations are a lot simpler, a lot quicker and a lot more cost effective, and a lot more robust. From a PCI and compliance point of view ACI regionally keeps up to date with the latest regulations and legislation, which is great for us because that takes a lot of the headache out of staying compliant and being certified. Omni-channel is the future for Pick n Pay We are definitely starting to understand Omni-channel and it’s becoming part of our strategy. We would like the customer to be able to have the same experience across all channels. So we would like them to, for instance, start their shopping list, or start capturing recipes at home on their tablet, come into store, use their mobile device or the kiosk to then carry on that shopping experience, and we would like to, as part of that process, offer up promotions based on whatever their shopping list is, to show them there are better options or cheaper options in their shopping list and basket and carry that through to the point of sale and to the online shop. ACI is responsive Payments is critical to Pick n Pay, getting issues resolved quickly is just as critical. ACI is great in responding quickly and effectively to resolve our issues. They also have global experience, which they bring to the party in a regional environment. ACI’s international reach supports cross-border expansion Currently we are in 7 African countries, and we are going to be expanding a lot into further countries in the next two years, or three years. ACI has a lot of experience in Africa with their partners and will be of benefit to us in understanding the regulations and legislation in each of those countries and which is the best way to handle payments in an integrated fashion. ACI offers peace of mind I’ve been with Pick n Pay for four years and as the architect I am responsible for implementing the solutions and the operational support thereof and over the last four years, as we have been using the Postilion products more, we’ve definitely seen a decrease in the severity ones, which means I have a lot more weekends and spare time to myself and a lot more happier customers.
Views: 1201 ACI Worldwide
How “Alexa” improves business banking
 
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Expand your business banking customer’s capabilities with APIs. Learn more: https://www.aciworldwide.com/products/universal-online-banker For small business owners, the business of the day is not always conducted during the day. It is late nights, early mornings, and everything in between. Offices are no longer confined to the office, and the tools of the trade look like this, this, and this. How does a bank maintain their place at the center of this highly dynamic environment while offering superior cash management capabilities and a seamless customer experience? Enter ACI's universal online banker. Universal online banker gives you the power to leverage the industry’s most extensive API library to quickly expand your offerings and revenue streams. You can deliver an intuitive user interface that enables small business owners to manage their money effectively, with security and speed across all environments and channels. What can you do by unlocking the power of our API library? Let’s check out a day in the life of our dentist friend, Amy. Hello. To keep her practice running smoothly, she needs to rely on new banking and payment methods that are always available, no matter where she is or what she is doing. That is why she has just hired a new assistant: Alexa. Hello. Because Amy’s bank uses universal online banker, she can add a little productivity to her morning cup of coffee. Alexa, ask universal online banker to transfer $3,000 from my money market to my business checking account. Your transfer of $3,000 from your money market to your business checking account has been successful. With universal online banker, Amy can transfer money, check account balances, or even check an invoice while brightening smiles. ACI’s universal online banker has the industry’s most extensive API library and will deliver a cash management experience that will have even your smallest customers, thinking big.
Views: 134 ACI Worldwide
ACI Issuer Payment Solution:  Manage Card Products from Single Platform
 
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ACI Issuer Demo: A feature rich solution for card issuing, including debit, credit, prepaid and corporate cards, plus loans and retail finance. http://www.ACIWorldwide.com ACI Issuer has full multi-currency, multi-product, multi-institution and multi-language capabilities and enables users to manage card portfolios in different countries and for different issuers on a single platform. ACI Payment Systems offer a robust suite of products and solutions in the Agile payment strategy. This short demonstration introduces you to ACI Issuer and its powerful product management and customer service functions. A brief introduction to ACI Issuer will be followed by live demonstration footage showing key product management and customer service tasks. After a summary of nonfunctional features the final scene will review the benefits ACI Issuer brings to our customer's cards business. ACI Issuer is a proven software solution used by major institutions around the globe. It can issue and manage the full range of card products from debit, credit and prepaid, through to corporate cards, loans and retail finance. It also supports the full consumer lifecycle from product definition and account opening to card, account and transaction management plus full customer service capabilities. The depth of functionality allows products to be quickly and easily configured in response to changing market conditions. Our first demonstration will look at product management. Product management is a key function for any card issuer and the ability to create fresh, exciting, targeted and profitable products is essential. Product managers need flexible systems that support a full range of features that can differentiate their products and brand values and provides speed to market. In the demonstration, we will see how a bank uses ACI Issuer to set up new credit card products. The banks spotted a gap in the market for an exciting new credit card, the diamond card, a girl's best friend. While this product may look unrealistic, it illustrates the breadth and depth of functionality available within ACI Issuer to allow banks to differentiate and offer a unique product in the market. Card products are built up from a library of pre-configured components. These allow institutions to build a set of standard business rules which can be applied across all products for consistent management of terms and conditions. However, individual rules can then be defined to create specific features which enable banks to differentiate their products in the market. We will now see how the diamond card is created. This is the main screen after having logged on. The first thing to do is select the institution we wish to work in. Here we can see the list of all the institutions the user has security access to and one is selected. We then enter into the account process control screen where the existing controls on the system are displayed. But in this case, we wish to create a new one. This screen shows the main parameters for the control with tabs containing further parameters. Each parameter is selected from a drop down list. The first decision is which type of product the control is going to be. In this case, Mastercard is chosen. Next, the account type has to be selected, which is the newly defined Diamond Account. Then the membership fee is chosen, which is the diamond fee, created specifically for this control. As with all the parameters on this screen, it is possible to view more details about the parameter. In this case, there is a £200.00 flat fee, which is fully refunded after spending £10,000. For the purpose of this demonstration, the remaining parameters on this screen will be set to the default value. However, this shows how rapid and flexible the creation of an account process control is, meaning the card management system is no longer a barrier to getting new products to market. The demo will now jump to a completed screen. All of the initial account parameters are now complete. Next the loyalty scheme needs to be set up. For the Diamond Account, the predefined diamond loyalty scheme is chosen from the list. Now, let's check the loyalty scheme to be sure it has the correct setting. Select that appropriate scheme and as we can see on this screen, spending over £1,000 will give cash back of 5%, which is credited back to the account each month. Now the loyalty scheme is complete. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 2059 ACI Worldwide
ACI and Ecentric Offer a Single Payments Platform in Africa to Adapt to a Changing Retail Landscape
 
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The future of retailing is omni-channel. Ecentric leverages ACI to enable merchants across the world to adapt to the changing retail landscape with a single payments platform. https://www.aciworldwide.com/solutions/up-retail-payments SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide -----------TRANSCRIPT----------- Ecentric Payment Systems is a payment service provider, and we switch, and reconcile, and settle all payment transaction types on behalf of our retailers. We started off with in-store card processing, and today we have a myriad of products that we offer in the market. I believe that we are a one-stop shop, and that’s unique. The future of retailing is omni-channel. Omni-channel means that a customer can engage with a business on any channel that suits them, and this is largely driven by the mobile phone. The mobile phone is changing the way that retailers engage with their customers, and customers engage with business. Ecentric and ACI, together, have put down the ACI stack of UP, ReDs, PAY.ON, and Postilion, which provides a single platform for retailers to be able to offer a seamless experience to their customers across all payment methods and all channels. There’s some lovely synergies taking place between Ecentric and ACI, especially if you look at the PAY.ON and ReD services. PAY.ON, for example, they have 350 connectors around the globe, and as South African retailers are moving north into Africa, as well as into other international territories, they have absolute peace of mind that they can move into those territories and offer online and omni-channel services to their customers. So, this is top of mind with retailers. They know they need to go there, they don’t know how to do it, and Ecentric and ACI are putting together the most perfect solution. And when they hear that, you can just see that they’re delighted to take this journey forward with us. ACI Worldwide software powers electronic transactions for financial institutions, processors and retailers around the world - all the time, without fail. https://www.aciworldwide.com
Views: 556 ACI Worldwide
HDFC India Transforms Customer Experience at the ATM with ACI
 
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HDFC transform customer experience at the ATM with ACI Worldwide. Learn more at: http://www.ACIWorldwide.com I'm Sanjeev Patel, I look after direct banking journals for the HDFC Bank in India. The HDFC Bank has about 80 million customers spread across 750 cities. We have an estimated 4,680 ATMs to actually serve these customers. We are in the process of putting in more because there is a never-ending demand for cash withdrawals and balance inquiries. One of the key challenges that the bank, as well as I, face is ensuring that we are able to migrate customers to "lower-cost channels". "Lower-cost channels" traditionally are the non-manned channels. It also offers customers 24x7 access. Today about 75% of our active customer base actually comes to our ATM once a month, at least once a month, but on an average, three times a month. That's an opportunity to discreetly discuss where ordinarily you would just have wasted. My name is Munish Mittal. My role is to provide payments technology solutions and shape the IT strategy for HDFC Bank. "CustomerPower" is a concept to achieve two objectives. One, to improve the experience of the customer on the ATM in terms of speed. And second, to open a channel of an interactive communication with the customer in terms of cross sell and make targeted offers to the customer. If you're using "CustomerPower" for the first time, you would expect to see a message after you've withdrawn cash that says, "Do you want to save this as your favorite transaction?" Once you do, the next time you arrive at an ATM, the moment you put in your card, you will be asked, "Do you want to perform your favorite transaction?" If you can say, "Yes," you are out in three clicks. You might also expect to see a sales message from the bank in which we could actually be making the customer an offer. You could see a service message in which we'd say something as simple as, "This is your mobile number. Would you like to have it changed?" But we do have messages for everybody, personalize and relevant, so to that extend you keep the contact up with the customer and that's really the killer benefit you get from "CustomerPower". It's working very well for us now. HDFC Bank is a customer of ACI and uses ACI's BASE24-atm and payment switching solutions. "CustomerPower," in all, is a component from [NCR] to be loaded on ATM. There is a database at the back-end which is a common for the customer profile to be kept and his favorite transactions to be stored and offer to be made. Integrate that with the device handler on BASE24 and we're good to go. We did have to customize the device handler on the BASE24 side but that was not a technical challenge. It was just work to be done. Especially in revenue terms, we've been able to be make roughly about 300 million U.S. dollars equivalent of revenues from the solution so far. We've been highly commended by ACI as part of their awards program for the innovative launch of this project. It's making money on traditionally what were known as cost centers. Right, so from phone, internet and the internal cost centers. We are actually making money on these through the sales and service of products. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 2226 ACI Worldwide
Nueva Economía Móvil - Tendencia a la vanguardia
 
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ACI ayuda a los bancos y minoristas con el lanzamiento de servicios móviles, utilizando infraestructuras de pagos existentes. http://www.aciworldwide.com/mobile Únase a la nueva economía móvil. Los bancos y los minoristas necesitan suministrar servicios móviles innovadores que les permitan a los clientes un acceso más conveniente y control sobre sus finanzas en cualquier lugar y en cualquier momento, En ACI suministramos una amplia experiencia en procesamientos de pagos y un portafolio de productos móviles que abarca la banca, pagos y comercio. Asociándose con nosotros, los bancos y los minoristas pueden evitar el proceso costoso y dispendioso de una infraestructura repetitiva y lanzar de manera oficial nuevos servicios que generen ingreso, integren a los clientes y diferencien sus negocios de sus competidores. La nueva economía móvil promete muchos beneficios para los bancos y sus clientes. Para los bancos representa nuevas oportunidades de aumentar sus ingresos y una rápida fidelidad de sus clientes. Para los clientes es un manejo y un uso más conveniente de sus fondos. No obstante, para que ambos obtengan esos beneficios se necesita de una infraestructura confiable y flexible. Por ejemplo, David, Director Financiero de una gran empresa, siempre está demasiado ocupado para estar sentado todo el día detrás del computador; eso no significa que los negocios tengan que detenerse mientras esta fuera de la oficina o cuando está haciendo vueltas personales. Afortunadamente el cuenta con la aplicación para tablet de ACI Mobile Banking; recibe una llamada en su celular sobre una transferencia urgente por 150 mil dólares, que ha sido iniciada y necesita su aprobación; antes de tomar una decisión tan importante utiliza la aplicación ACI Mobile Banking en donde puede ver una predicción rápida del impacto que tendría la transacción en la liquidez de la compañía; una vez satisfecho por el escenario de la predicción desde la aplicación puede aprobar la transacción, todo esto sin tener que interrumpir su tiempo libre. Además, lo que ayuda en su vida profesional, también lo ayuda en su vida personal. Tan pronto guarda la tablet, recibe una notificación en su Smartphone enviada desde su banca personal; su banco usa la aplicación ACI Proactive Risk Manager y con ella detecta una compra hecha con la tarjeta de crédito en una zona inusual al área donde siempre usa la tarjeta; David acaba de regresar de visitar un nuevo cliente que esta por fuera de la ciudad y en realidad si hizo esa compra; fácilmente, a través de un mensaje de texto, confirma que la transacción fue hecha por el, esto lo hace sentirse seguro de que su banco tiene las herramientas adecuadas para proteger sus intereses financieros donde quiera que este. La nueva economía móvil hace impacto en todo tipo de transacciones incluyendo compras y pagos personales. Los bancos que extienden las seguridad, verificación y enrutamiento dentro de su infraestructura existente, seguirán siendo competitivos en esta economía móvil que se desarrolla rápidamente. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 621 ACI Worldwide
Banorte Bank stays ahead of fraud with ACI's Payments Risk Management Enterprise solution
 
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Testimonial from Rafael Valencia, Director, Fraud Prevention, and Fausto Jimenez Zarate, Subdirector, Fraud Prevention, Banorte Grupo Financiero (Banorte Bank) in Mexico. They describe their use of ACI's Payments Risk Management (PRM) Enterprise solution to fight card fraud among their 20 million accounts, including the success they have realized over 8 years of using PRM's real-time analytics.
Views: 234 ACI Worldwide
Meet the 20 Ways to Pay: Bill Payment Solutions to Make Happy Consumers
 
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See how industry leaders make happy consumers at www.aciworldwide.com/billpay Are your consumers happy? Billing and payment drives up to 58% of customer satisfaction, according to J.D. Power & Associates. But paying bills is painful. What emotions comes to mind when you think about paying bills? Customers say “kind of a hassle, stressful, stressful, frustrating time, I hate it.” Choice takes the pain away, according to J.D. Power & Associates . Consumers want lots of choice, including: recurring card, recurring ACH, mobile card, mobile ACH, web card, web ACH, phone card, phone ACH, 3rd party, online banking one-time, online banking recurring, mail, walk-in with cash, real-time and point of sale, according to Javelin Strategy & Research and ACI Worldwide. When asked, customers say “Paying bills my favorite method would be debit card, a lot of bills automatically come out, I do not sign up for automatic payments, I have to use my checking information rather than a debit card, so that is kind of a hassle, through my bank, through my phones, everything we use credit cards, try to stay away from credit cards, through our phones, I go physically in and pay cash, I don’t ever carry cash, send me an email if I have a pending amount and I click a button to pay it, app on my phone, text message that would remind me that I have a bill due in a week or 2 days would be very helpful.” 75% of consumer use multiple payment options monthly according to ACI Worldwide survey. Consumers say “I pay online, with my phone, I rarely go in-person. We will pay at the retailer on the day that it’s due, but other than that almost everything is online.” Only 15% of organizations offer all these choices, according to Ovum and ACI Worldwide survey. 50% of organizations are evaluating adding eight new payment options according to Ovum and ACI Worldwide survey. Are you prepared to offer consumers every payment option they want?
Views: 339 ACI Worldwide
Mobile Transactions and Person-to-Person (P2P) Payments
 
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A look at how ACI Worldwide's products support transactions and P2P payments. Learn more at http://www.aciworldwide.com/mobilepayments The new mobile economy impacts all types of transactions, including purchases and person-to-person payments. Banks that extend the security, verification, and routing features of their existing infrastructure will stay competitive in this rapidly evolving mobile economy. On his way to a coffee shop, David remembers that his bank has pre-approved a credit card in his name. To take advantage of the offer, David opens his bank's mobile wallet on his Smartphone and accepts it. His bank then securely downloads a credit card payment app, via ACI Token Manager for mobile at ACI Issuer. At the coffee shop, David purchases his coffee by touching his near-field communication-enabled Smartphone to a point of sale terminal. Behind that simple action is a trusted transactions process that includes BASE24-eps, which is used by the bank and retail commerce server, which is used by the retailer. All David knows is that when he wants coffee, he can get it fast, easily, and securely. A few moments later, he receives an SMS alert asking him to confirm his purchase. Proactive Risk Manager has identified the transaction as the first on his newly-authorized card, and his bank wants to ensure that the transaction is a valid one for the new cardholder. After confirming with a simple text that it was an authorized purchase, David gets a text from his daughter; her pre-paid phone is running out of minutes and she also needs cash to buy her mom a birthday present. Just a few taps later, using the same Smartphone, David has topped-off his daughter's phone card and allocated cash that she can pick up at any of his bank's ATMs. ACI's BASE24-eps enables both transactions easily and securely, and all before his coffee cools. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 2824 ACI Worldwide
Credit Card Fraud Prevention: Bank of New Zealand & ACI Worldwide
 
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Bank of New Zealand address the issue of counterfeit cards using ACI Proactive Risk Manager. http://www.ACIWorldwide.com Stephen Mockett: I'm Stephen Mockett. I'm the Chief Operating Officer of the Bank of New Zealand. The Bank of New Zealand is New Zealand's oldest bank. We turn 150 years old next year. We've got about 5,500 employees and about a million customers. We're a whole-service bank: wholesale banking, business banking, and retail. Underlying everything that the customers expect from us as a bank, of course, is some implicit expectation around the security of both their data and the transactions that they're undertaking. That's why we invest incredibly heavily in our fraud prevention competence. Credit card fraud is an issue that relates both to a monetary problem, but also a customer problem. If there is a compromise of their card, through it being cloned, one of the issues they face is the reissuing of their card. What we have set out to do is to protect our customers, not only in country, but perhaps even more importantly, from their cards being cloned and the negative experiences that means for them when they're traveling overseas. Michael Turner: My name is Michael Turner. I'm the Fraud Initiatives Manager for the Bank of New Zealand. I decided to have a look at solutions for counterfeit fraud. Everyone thought the chip was the answer, but I knew that many of these chips were going to be around for a long time. So I spent a lot of time studying the magnetic strip, how the fraudsters use it, and the technology behind it and that allowed me to come up with a solution. Stephen Mockett: What we've invented with a liquid encryption numbering solution is a solution where, when a customer puts their credit card into one of our ATMs, the software on the ATM rewrites the last three numbers of the security code. What that means, of course, is if that customer's card has been cloned or copied anywhere else, when a transaction is attempted with that cloned card, it will be denied. Michael Turner: I spoke to some of the techos about it, and I drew some pictures and all that sort of stuff. We then identified all of the key components to make it work, and they were the ATM machines because you had to rewrite the data to the card, and the authorization system, because that's going to be the approval or decline of the transaction, and very importantly the ACI tool, Proactive Risk Manager, because that's seeing all the transactions all the time, and we can place rules in there to alert for any particular mismatches, any counterfeit that comes through. The ACI system, the way it's set up and was already receiving all the information, it was very easy to use. There was very little work required, but the information we got out of it was very valuable. Stephen Mockett: The Bank of New Zealand fraud team operate across a number of platforms, and the relationship with ACI, both across the BNZ businesses and across the NAB group, is very important for what we do. Michael Turner: In terms of counterfeit, over the last year it's dropped by 62%, so that's been fantastic. We also had a really big uptake from our customers going back to the ATMs, especially when they've been overseas, when they've been traveling. It's very simple to just go on and get a balance. So we had over 70% of our customers doing that. So it's been absolutely fantastic. Stephen Mockett: The beauty of the LEN solution is its simplicity and its elegance. From a customer point of view, the only thing required is a behavioral change, which is using your credit card in our ATMs more regularly. You don't have to do anything more than a basic transaction or an account look- up, and, in the background, LEN is being applied to protect your data. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 1963 ACI Worldwide
The Impact of Mobile on the Future of Retail Banking
 
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ACI Worldwide software powers electronic transactions for financial institutions, processors and retailers around the world - all the time, without fail. http://www.aciworldwide.com/products-and-services/retail-payments/online-mobile-branch-banking/mobile-channel-manager.aspx ---------WEBINAR TRANSCRIPTION-------------- With us today we have Ron Sheblin. Ron is the Senior Analyst at the IK Group, where he focuses on helping financial institutions improve the effectiveness and efficiency of their marketing efforts. His research topics include online sales and marketing, marketing analytics, personal financial management, and consumer behavior. The impact of mobile on the future of retail banking. This is a topic on that's on everyone's radar, regardless of the size of your institution or where you're at with your global strategy. As Ron will discuss, an interesting element of mobile is the changing and evolving needs of the consumer in technological information that addresses those needs. With that, I'll turn it over to I don't know if you, John, and the attendees on the line have been following what's been going on in the world of financial services over the past couple of years, but it truly is amazing how technology has changed how the financial institution does business, and in particular, how technology has transformed the marketing of retail financial services. I can't think of a better example of the impact of technology on how marketing's been done than what's happened at this credit union and their ability to use new technologies to change their marketing. I'm just joking, of course. There have been plenty of changes in how financial services have changed their operations, customer service, and marketing, but we're going to see a lot more in the next couple of years, obviously, with the advent of mobile technology. The key thing I really want to get across today is not just telling everybody that they'll be lots of changes, but to explain the impact of those changes on the industry, and in particular, how mobile innovation is creating a new phase of competition in financial services. It's not simply about providing new services or new marketing opportunities, it's really changing the nature of the competition for financial services, and especially in the retail financial services area and changing the basis by which financial institutions like banks and credit unions compete with each other. To play out my theme here, what I'm going to do is pose and address 3 questions today. The first thing I'm going to do is talk a little bit about why we're going to see this change now. It's not simply enough that we're seeing technology change, there's another big driver and it's called economic imperative. I'm going to talk a little bit about why this is happening today, we can then get to the next part of the presentation and talk a little bit more about how mobile's going to change the financial institutions. I'll look into the future a little bit and talk specifically about how mobile's going to change what financial institutions markets, where they market, and when they their products and services. Then we'll wrap up, bringing this all together and talk a little bit more about what this new phase of competition really looks like. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 5839 ACI Worldwide
ACI Mobile Commerce SDK™ Enhances the Mobile Checkout Experience
 
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The UP® eCommerce Payments™ solution — for any Apple or Android application — enables merchants to integrate a white-label mSDK to accept payments in the most frictionless way possible — wherever, whenever and however their shoppers prefer to pay. https://www.aciworldwide.com/solutions/up-ecommerce-payments/psps SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide -----------TRANSCRIPT----------- Shoppers are doing it everywhere. There is a clear, global trend towards shopping on mobile devices. ACI is here to help merchants achieve the best possible online conversion rates. The ACI Mobile Commerce SDK enables merchants to simply and securely accept payments in their mobile apps from shoppers anywhere in the world, making in-app payments simple, global, and secure. Integrating the mobile SDK is quick and easy, requiring only a few lines of code. The payment workflow and screens can be customized as required. Testing and going live is a matter of a few simple steps. We provide coverage in over 160 countries, which means that merchants all over the world can benefit. And they can expand into new markets, too. Any language and any currency can be used. ACI's extensive global network of more than 350 alternative payment methods and acquirers allows merchants to offer locally relevant payment methods so that shoppers feel confident to complete their purchase using a method that they know and trust. ACI's Mobile SDK provides helpful messages and guidance to assist the shopper through the checkout process. The payment process is very secure. We are fully PCI compliant. Payments are further protected by ACI's world-class fraud detection, prevention, and transaction monitoring engine. ACI is proven to help merchants achieve the highest acceptance level and lowest chargeback rates in the industry. With ACI Universal Payments, shoppers get to pay anytime, anywhere, and on any channel. ACI Worldwide software powers electronic transactions for financial institutions, processors and retailers around the world - all the time, without fail. https://www.aciworldwide.com
Views: 229 ACI Worldwide
Sistemas de pagos ACI - De confianza a nivel mundial
 
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Sistemas de pagos ACI. De confianza a nivel mundial. Las soluciones de ACI Worldwide administran un gran volumen de transacciones de diferentes instituciones financieras, procesadores y retailers alrededor del mundo -- todo el tiempo, sin fallas. Para conocer más, ingrese a http://www.aciworldwide.com Todas las transacciones funcionan sobre la confianza. El gerente del departamento de pagos, sabe que no leerá sobre una falla en la red de cajeros automáticos en las noticias matutinas. En la oficina de comercio exterior saben que las transferencias de dinero a través de este banco han sido verificadas. El gerente de operaciones confía en que una falla en el hardware no desembocará en tener que buscar un nuevo empleo y el gerente de riesgos duerme tranquilamente, sabiendo que la posición del banco está segura. En ACI comprendemos y manejamos la increíble complejidad de los sistemas de pagos mundiales en más de 80 países, con más de 90,000 millones de transacciones de consumidores cada año y más de 12 billones de pagos de alto valor a diario, todo esto mientras prevenimos el fraude en toda la cadena de pagos. Hacemos sistemas de pagos, nuestro negocio es la confianza. De hecho 24 de los 25 bancos más importantes del mundo confían en ACI. Uno de los 20 bancos más importantes de los Estados Unidos une 5 sistemas en 1 sólo entorno, reduciendo el costo operacional de las transacciones en un 90% usando el ACI Money Tranfer System Uno de los más grandes bancos de la región Asia Pacífico, alcanza una reducción del 62% en fraude por clonación de tarjetas de crédito usando el ACI Proactive Risk Manager. Una de las mayores instituciones financieras del Reino Unido, redujo el fraude en un 80% tras la implementación de ACI Proactive Risk Manager, junto con Base24. Uno de los más importantes bancos de la región Asia Pacífico vio una mejoría del 90% en el nivel de dólares perdidos por evento de fraude usando el ACI Proactive Risk manager. Un procesador de pagos de nivel mundial, alcanzo un ahorro de 10 millones de dólares usando el ACI Acquirer, junto con su ya existente uso de Base24 y luego alcanzo una reducción del 25% en fraude de comercio a través del uso de ACI Proactive Risk Manager. Desde 1975 nos hemos comprometido a ganar su confianza cada día, con cada transacción, en cada rincón del mundo. Con experiencia, más de 210 socios de confianza en 28 países alrededor del planeta, con estabilidad, con un fuerte crecimiento de ganancias y una sólida situación patrimonial, con confiablidad administrando los sistemas de pagos más críticos del mundo; desde transferencias y compensaciones, hasta cajeros automáticos y pagos con tarjetas, Sistemas de pagos ACI. De confianza a nivel mundial. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 448 ACI Worldwide
Union Bank Allows 8 Million Card Holders ATM Access For Remittance Handling
 
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Union Bank of India won an ACI Excellence Award for this project in 2012. Learn more at http://www.aciworldwide.com/awards Union Bank of India has 3,200 Branches, 3,800 ATMs and 30 million customers. Remittances represent a large market and currently 90% of remittances pass through branches. The banks want to be more efficient in how they process these and offer customers the opportunity to interact with them twenty four hours a day. By allowing remittances through their ATMs Union Bank of India have freed their 8 million card holding customers from needing to enter the branch or contact a call center. This has ensured increased customer loyalty and retention for the bank. ....... Lalit: Union Bank of India is a 92-year-old bank, headquartered at Mumbai. We take pride that the foundation stone of this bank was laid by the father of the nation, Mahatma Gandhi. We are a bank with 3,200 branches, 3,800 ATMs. $80 billion business makes, and 30 million+ customers. The domestic remittances in India is valued at about $50 billion US Dollars at the present time; it is growing 15% year-on- year. Interestingly, 90% of these remittances are flowing through banks. There is a tremendous pressure on banks to handle remittances, and each bank wants to be better and efficient on this. Union Bank has a well-defined strategy for customer empowerment. We aim at providing solutions to customers 24/7 without the need to visit the branch or call centers. This implementation is in the same direction where we have made available multiple remittance options on ATMs. We have almost 8 million card holders in the bank, as against 1 million internet banking customers. It was our natural choice to provide as many services possible on the ATM. That's how the remittance at ATMs took its shape, and we decided that we will offer remittance services on our ATMs 24/7. Ajit: BASE24 is a switching system. It allows money to be switched from the sender to the beneficiary. We have even many transfer faculties, like IMPS, that is Inter-Bank Money Payment System. We have given NEFT services, that is the National Fund Transfer System, and also e-cash. Lalit: My customers are extremely happy at having the freedom of doing remittances on ATMs 24/7. This is a unique facility which no other bank is offering, and we hope this will go a long way in customer retention, and also increasing customer loyalty for the bank. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 786 ACI Worldwide
Wholesale Banking Trends to Address Customer Demands
 
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Craig Ramsey of ACI Worldwide provides insight into the development of the largest payments hub in Europe. http://www.ACIWorldwide.com Banks need to listen to their customers, they need to gain the trust, back, of their customers. It's being diminished over the last few years. They need to offer the services that the customers want, and the banks have spotted that. I've seen conferences where the banks have actually have turn around and said, "I got this great idea on how we can do more business." We are going to listen to our customers. This shouldn't be rocket science, this is basic business trends, basic business demands. One of the biggest banks in Europe, and they were recognized leaders in the payments space. Banks were desperate to be able to match their capabilities. And, it was a very simple solution that they had. They gave the customers what they wanted. They met their customers' demands. And, one of the things that they did when they embarked on their MTS project with us, was they said, "We have a great solution, but the solution that we offer, the big corporate in one country isn't the same as they are seeing in another country. We want to be able to offer global products in this global market." And, that's what they needed, they needed to be able to offer a global solution while still keeping regional feel, regional care and attention that the customers were needing. So, it's just about delivering what the customer needs. A big changing in the way that they had to do business across Europe, then they were left without a solution for payments generally. MTS stepped up it gave them everything they needed, it gave them a new payments hub for all of their client projects. And, they've embarked on some clever use of the MTS technology, that we, together with them, have now delivered on, and customers are seeing real benefit of that application. So, instead of using MTS just for cross-border payments, they needed to redesign the entire scope of how they were going to use MTS. MTS is strong enough to be able to have done that. It offered not just a single clearing, which is what they were going to do, but now it does eight different clearing systems, all across Europe. It is a single hub for corporate payments. The single Euro SEPA hub, only ACI and only MTS could have stepped up to that. They recognized that it had technology, it had capability, way beyond what they were originally intending to use it for. Together, we designed an entire solution for their European payments processing hub. And, now they have that in production. They are delighted with it. It does everything they hoped it would do. They are seeing real benefit. Their client managers, their customers, their entire processes, their straight through rates have all benefited, not just from ACI saying, "Look what you can do." But, the bank realizing what they can do as well. The bank seeing the vision, and realizing it and delivering on it. They are in-sourcing payments from other banks. They are doing SEPA processing, not just for themselves, but about 20 banks around Europe, now. They are a true hub. Not just for their own payments, but other banks' payments. The corporates are seeing benefits, and, it's beginning to now turn a profit. We are talking about SEPA as the nirvana for payments processing. It's where we are going to get to certainly. For too long, there has been legacy ACH systems. Those are now going to be retired. People can start to see the light at the very long tunnel, and the light's getting brighter at ?. We will start to see SEPA payments being adopted through choice, not through regulation. Corporates will start to see benefits of them. So, certainly in Europe, we are going to see more and more use of SEPA, more and more standardization of payments processing. With that comes some downsizing of the bank, they lose further revenues. So, what's going to happen is they are going to add value to the payments. They can't offer the same SEPA processing that the bank next door is offering. They have to add value beyond that, whether it be better liquidity for the customers, better reporting, value added services. They will use those services in MTS that we have traditionally used for complex payments processing, in a simple payments for SEPA. Standards will be adopted throughout the world for SEPA is used, to get to this stage in the market. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 1286 ACI Worldwide
Win Customer Loyalty with New eBilling Technology
 
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The battle to keep customers engaged and brand loyal never stops. Use your most frequent customer interaction, eBilling to boost customer satisfaction, increase sales and reduce costs. Learn more at https://www.aciworldwide.com/CCM ---- Transcription ---- The battle to keep customers engaged and brand loyal never stops. Providing the best customer experience can mean the difference between winning and losing. Yet few companies maximize their most frequent customer interaction: their electronic bill. As customers view and pay their bill, what if you could deliver targeted offers, messages and videos to expand customer relationships? And best of all? A better bill payment experience creates happy customers. Only UP Bill Payment Solutions from ACI deliver real-time, dynamic customer engagement to accelerate profitable growth. To boost customer satisfaction, increase sales and reduce costs, all you have to do is look UP. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/ Bill
Views: 1106 ACI Worldwide
ACI Worldwide Invests in Postilion
 
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Craig Saks, Chief Product Officer at ACI Worldwide, reconfirms ACI's commitment to the long term future of Postilion. Learn more at: http://www.aciworldwide.com/postilion ------------- TRANSCRIPTION ------------- I get asked the question quite a lot what is ACI's commitment to Postilion. Is Postilion playing second fiddle to all your other products and as Chief Product Officer I can tell you that Postilion is very important to ACI. It is very much part of our future plans. We have a very large and happy customer base using what we believe to be a really excellent product in Postilion. It generates really good revenues for us, it continues to grow in the marketplace, it's the basis of our merchant retail strategy and also continues to have major applicability for banks in markets where they prefer the Windows operating system as their operating platform. So we continue to invest very heavily in Postilion. In Fact, we're probably spending more at this stage than we have at any time in the past on Postilion product roadmaps. We are also starting to use Postilion more and more for our own internal purposes and Postilion has become an important part of the hosted infrastructure of our Electronic Bill Pay and Presentment Solution in the Us, for example. So anyone who doubts our commitment to Postilion needn't worry, unless you're one of our competitors. We are very committed to the product. We're very excited about the future of the product. We have a long term roadmap for the product. We will continue to support and evolve that product overtime and in to the foreseeable future. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 575 ACI Worldwide
The real time payments experience
 
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Paul Thomalla, SVP and general manager for EMEA and Craig Saks, EVP and chief product officer both at ACI Worldwide look at the strategies banks can employ in order to provide new and innovative payments experiences. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 391 ACI Worldwide
Merchant Acquirer Webinar:  A Technology Refresh for Growth
 
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Easing the Pain: Finding New Growth Opportunities - The need for a merchant acquiring technology refresh. http://www.aciworldwide.com/what-we-do/retail-payments/card-management-acquiring-and-settlement/merchant-acquiring.aspx Merchant acquirer webinar co-hosted by Aite Group. ---------WEBINAR TRANSCRIPTION-------------- Agenda; we're going to ask a few questions about the current financial environment that acquirers are facing across the world, how that technology environment can help support the finances and what threats are coming in from not just internally from acquirers, but externally, as well. We'll look at the likes of Amazon; what threat are they posing to the industry? Then we'll wrap up and talk a little bit about . . . it may sound like all doom and gloom, not to give away the whole conversation here, but what strategies Rick would recommend, what key market trends acquirers are facing and what strategies he'd recommend. Finally, we'll end up on what technology needs do acquirers have? Hopefully we'll end up, if we haven't had too much discussion throughout, we'll end up with a little bit of discussion, as well. With that in mind, I'll ask Rick to start us off talking about the risk, the bottom on pricing, Rick. Sure. Thanks, Paul. A lot of this, what you're going to see here, is based on a very recent survey that we completed with a variety of merchant acquires throughout the US market, just asking them really what's going on in the market. What we've been able to gather up from that research is that there's a pretty simplistic storyline that is out there. First and foremost, there is this belief that acquirers are stuck in this race to the bottom on pricing, meaning every year pricing goes down a little bit and every time merchants come back for a renewal of their contract, they want a little bit of reduction of price, as well as there is a tremendous number of sales agents, ISOs, and plenty of other outfits just combing the world, trying to find merchants to bring them onto their portfolio. They're always trying to do it based on price. There's this continuing race to the bottom on pricing. Because of that, a lot of it is driven by competitive pressers, this merchant discount rates, and fees are going downwards, while at the same time, network and regulatory impacts are driving expenses upwards. We have things like EMD coming through, we've seen a whole variety of other programs that are coming through, driven by the networks, as well as by the regulatory environment through the government. A lot of it is as well a governmental regulation that's aimed at the networks that the networks must respond to and that driving additional impacts on the acquiring environment as they need to respond to the acquirers response to the regulatory changes that are happening from a governmental standpoint. Acquirers are feeling stuck in the middle of all that. As a result, margins are just being pinched, and there's really not relief in sight. This race to the bottom seems to be something that's going to continue for quite some time. I have a quick question there. Rick: Can you get a little bit more specific on the impacts on the actual financial or the business model, so to speak? This interactive session will examine: ● Challenges facing acquirers ● Strategies to increase revenues ● Cost reduction benefits of a technology refresh Featured speakers include: ● Rick Oglesby, Senior Analyst, Aite Group ● Paul McMeekin, Senior Product Marketing Manager, ACI Worldwide SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 1589 ACI Worldwide
Meet Manish Patel
 
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Hi, I’m Manish Patel, I’m General Manager for ACI’s business in the Middle East and Africa. I joined ACI through its acquisition of Retail Decisions back in October 2014. http://www.aciworldwide.com I was with Retail Decisions for just over 14 years at the time and my previous role entailed me managing the Middle East and Africa regions, so I have now transitioned that to include ACI’s Middle East and Africa sales operations. My key focus areas for Africa will be to, one, further deepen our relationships with our existing customers. Two, to continue to improve customer satisfaction. Three, to establish a presence in our indirect channels and a channel partner strategy and four, ensure our product development delivers to meet the needs of our local markets, with solutions such as Point-to-Point Encryption and Tokenization. The market in Africa has a number of unique challenges, one of the most complex is around regulation and compliance. All of the countries in Africa have local regulations and local compliance laws so it’s up to ACI to ensure we tailor our services and solutions to meet the needs of the local market. ACI is fully committed to supporting Postilion and its ReD Shield and its BASE24 Solutions. In Africa Postilion has established itself as a market leader and we are fully committed to developing its proposition and ensuring we meet the needs of our customers going forward. In addition, Postilion is also used as part of ACI’s hosted payments service. The African region represents exciting opportunities for growth with some countries having the fastest growing economies in the world. ACI has recently been successful in selling Postilion into non-English speaking Europe, and we will now be executing a strategy to develop our presence in South, East and West Africa by focusing on Africa’s French and Portuguese speaking countries. There are three things I would like to achieve in my new role. Firstly, to improve customer satisfaction and continue delivering the best service to our customers. Secondly, to establish ACI as best in class and a thought leader in the world of payments. And thirdly, double digit growth year on year.
Views: 682 ACI Worldwide
Protecting South Africa’s online shoppers with ACI ReD Shield and Postilion
 
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PayU - a leading online payment service provider in 16 markets across the world - discusses how they are protecting South Africa’s online shoppers with ReD Shield and Postilion. Johan Dekker, COO MEA, Regional Manager PSP discusses their use and success of these ACI payment and fraud prevention solutions.
Views: 314 ACI Worldwide
Merchant Payments for Merchants from ACI Worldwide
 
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Consumer expectations are changing dramatically. Anytime, anywhere commerce is expected and, as a result, multi-channel retailing is blending revenue from stores with eCommerce and mobile and social shopping. At the same time, consumers are more aware of fraud and security concerns, raising expectations on detection and prevention. And data compromises have ensured that end-to-end encryption and security is top of mind. UP Merchant Payments from ACI Worldwide is the solution. Learn more at: https://www.aciworldwide.com/solutions/up-merchant-payments
Views: 150 ACI Worldwide
ACI Anti-Fraud Solution Proactive Risk Manager for Postilion
 
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Webinar looking at how ACI's industry leading anti-fraud solution Proactive Risk Manager can be used in conjunction with Postilion. Learn more at http://www.aciworldwide.com/prm Good Morning. My name's Andy Morris; I am the Lead Financial Crime Solution Consultant for the EMEA region. I'm going to share with you my perspective on the challenges facing the industry today, and how ACI can help you and your organization detect, destruct, and deter the criminal. Getting financial crime wrong has implications, not just financial costs, but the potential loss of a valued customer or even reputation damage. I am going to spend the next 45 minutes sharing with you my insights on today's challenges and issues, and explaining why ACI is best place to help you. I will be sharing with you my own personal experiences and observations over the last 25 years, as well as discussing actions to reduce midscape threats today. Let's take a moment to look back before looking forward. Are we doing a good job in the industry today? From my perspective, the answer is probably no. Recent card fraud losses reported $365 million in losses, a fall from $444 million in the previous year. We need to look further back to the 1990s to understand the extent of today's problems. Our industry losses then stood at less than $100 million. We have also dreamt up new names for emerging challenges. Back in the 1990s, we had phantom withdrawals, which is skimming today. Ghost Money was a common term used to describe what we today know as 419 scams or more elaborate boiler room frauds. Customer education is vital in fighting fraud, but customers are also gullible. If it sounds too good to be true, it probably is too good to be true, but still, customers remain vulnerable. Frank Abagnale, the real face behind the film 'Catch me if you can'. Incidentally, Frank also got a cameo role in the film. I was fortunate enough to meet Frank in person a number of years ago. However, some institutions were not happy to learn from the guy that previously had ripped them off. Nevertheless, Frank had an important message which we cannot overlook: Technology is an enabler, not just making things easier for us to try as consumers, but also easier for the career criminal. They no longer have to soak toy airplanes in the bath to lift off PanAm logos. Novelty IDs are so prevalent, just do a search on eBay. Fraud has also changed with the time. [inaudible: 02:24] has remained the same, but electronification has made it much more easier for the fraudster to penetrate our systems. We are now talking about cyber crime, and an estimated global losses of $1 trillion, as recently published in the New York Times. The flip side of this is there's been the growing solutions. Google 'fraud solutions', and you get 90 million. Google 'card fraud solutions', 16 million hits. Google 'anti-money laundering solutions', and you get 22 million hits. Financial crime is a major problem, and is here to stay. Also is opportunity, motivation, and change; weaknesses in practices will continue to be exploited by the unscrupulous. Impact upon technology: We are seeing growth in a number of point solutions developed to solve specific business problems, but there really is no real joined-up approach. Enterprise fraud management is still the Holy Grail. I have been in this industry for over 25 years, and I've have seen all manners of fraud; some creative, some bold, and some stupid. One thing is clear, the industry is changing. There is a movement away from traditional point solutions. FIs need to protect the customer and their available balance from the fraudster. The fraudster will always attack from multiple angles. For example: Deposit into the account, wire transfer out of the account, or followed by an ATM withdrawal to test if funds are clear, and then a transfer out; and possibly a brave fraudster will a mule encashment at the branch. ACI was the first to offer enterprise fraud management, including enterprise alert management for exception handling. Several me-too's have since come and gone. The Gartner, the industry analyst supports a view that the push for enterprise will become even more stronger as a business drivers and benefits become less blurred... SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 1106 ACI Worldwide
How Hyperpay Transformed Their Technology To Get Ahead of the Fast Growing eCommerce Market
 
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Hyperpay leverages ACI's eCommerce solution to deliver speed to market, functionality and flexibility that their merchants demand. They brought a monumental leap in technology to merchants in the region with Open APIs and the ability to accept payments via easy and simple to use copy and pay technology all developed within the app or website of the merchant. Hyperpay are the fastest growing and most advanced payment gateway in the Middle East.
Views: 339 ACI Worldwide
Sibos 2013 Wrap-Up with ACI's Asia-Pacific Managing Director Paul Henaghan
 
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Paul Henaghan, managing director of ACI Asia-Pacific dissects his Sibos 2013 experience- discussing trends and the evolution of payments in the region. http://www.aciworldwide.com/what-we-know/expert-view/2013/9/19/sibos-wrap-up.aspx What is pushing payments innovation forward in APAC? Transcript: Sandra: As we close the third day at Sibos, we are here with Paul Henaghan, managing director of Asia-Pacific at ACI. And Paul, can I just ask you, what are some of the key themes you've heard at this year's Sibos? Paul: Well Sandra, I guess the first thing is that, from my perspective, I'm exhausted and I thought about that earlier today. I haven't been at Sibos, well, the last time was probably seven years ago and the intensity and the enthusiasm around the future of payments, in particular around transaction banking, has been overwhelming. I've seen that in the context of the presentations, I've seen it in the context of the conversations we've had with the business side of our customer base. And I've thought about that and why is it as intense as I've found it to be. And I guess, there's two things since I last attended Sibos. One is obviously the global financial crisis and the impact it's had in global trade and supporting global trade but you take that and compound it with the disinter-mediation occurring within the payments world with new technologies, the enablement of payments through new technologies that we've seen globally and particularly in my part of the world, Asia-Pacific. You bring all of that together, and you've got this almost perfect storm of change and I've certainly seen a level of interest that exceeds anything I've seen in the past in terms of banks move forward into this new world. It's incredibly exciting. Sandra: I agree, I think it's a very exciting time. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 206 ACI Worldwide
ACI's European Data Center Reduces Infrastructure Cost for Customers
 
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ACI's European Data Center delivers the utmost in reliability, security and data privacy, expanding world-class payments solution capabilities and capacity for European customers, comprising some of largest merchants, intermediaries, and banks, including the two largest banks in Ireland. https://www.aciworldwide.com/news-and-events/press-releases/2016/october/aci-worldwide-opens-state-of-the-art-european-data-centre SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide -----------TRANSCRIPT----------- ACI Worldwide opens its new state of the art European data center in Limerick, Ireland. Meeting growing European demand for ACI's universal payment solutions, the new facility delivers unmatched reliability, security, and data privacy. Expanding world-class, real-time electronic payments capabilities for customers throughout the region. The data center will process billions of transactions each year, in support of customers' mission critical payment solutions. Today, ACI powers electronic payments for more than 5,000 leading financial institutions, intermediaries, billers, and merchants worldwide, including 18 of the world's top 20 banks, 9 of the top 20 global retailers, and 3 of the world's largest quick service restaurants. A $20 million investment, the data center makes universal payments platform capabilities available to European companies through ACI's private cloud. Customers benefit from reduced investment, and infrastructure, hardware, software, and human resources. Seamless upgrades, simplified integration, and deployments, as well as reduced need for large-scale IT projects, and the ability to quickly innovate, and adopt new solutions. The new facility includes state of the art hardware, software, and physical, and logical security controls. In partnership with IDA Ireland, ACI will grow its Limerick employee base from 82 to 150 as a result of the new facility. ACI's presence in Limerick began in 2006 and has cultivated strong talent as part of its long-standing internship program and collaboration with the University of Limerick. Expanding in this location was a natural choice for ACI, given the region's strong talent pool, and accessibility to customers throughout the region. With over 40 years in payments and 10 years in Limerick, ACI is excited about our expanded presence as we begin out next decade in this region. Learn more about ACI } https://www.aciworldwide.com
Views: 28915 ACI Worldwide
Embracing the Exciting Opportunities for Women in Payments
 
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Outlines the perspectives of women working at ACI. SUBSCRIBE HERE TO SEE MORE GREAT VIDEOS ► http://www.youtube.com/subscription_center?add_user=ACIWorldwide SUBSCRIBE TO PODCAST CHANNEL ► https://itunes.apple.com/gw/podcast/aci-worldwide-podcast-series/id820468115?mt=2 CONNECT WITH ACI WORLDWIDE Facebook ► https://www.facebook.com/aciworldwide Twitter ► https://twitter.com/aci_worldwide LinkedIn ► https://www.linkedin.com/company/aci-worldwide Google+ ► https://plus.google.com/+Aciworldwideinc/
Views: 301 ACI Worldwide

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