Agnosticity: Giving Fuel Merchants the Freedom and Flexibility to Innovate

The absolute minimum that customers demand from their transaction at the fuel stop is a fast, convenient and secure payments experience. But there is also room for fuel merchants to build loyalty and boost upselling by delivering more than just a good price on fuel and a fast payments process.

Pivoting to the Digital Future: Secure eCommerce in Africa

With digital payment volumes growing throughout the world, payment players in Africa must modernize their platforms to increase revenues, deliver innovative offerings and secure customers.

Do Merchants Have the Right Tools to Tune Their Engines for the Innovation Race?

2020 has been a year of many, many changes, across nearly all walks of life and business. One beacon of light is that these circumstances have pressed the digital acceleration button, in some cases advancing digital uptake and innovation by years, within a matter of a few months.

Confronting Disruptive Pressures in Issuing [Customer Q&A]

We are at the dawn of an industry overhaul. The banking industry is facing disruptive pressures on multiple fronts, but particularly in payments. More competition, increasing regulation, and growing consumer expectations, payment types and channels. Plus, for issuers, there is the additional challenge of remaining relevant and at the center of the customer relationship, which has never been more complex.

Game-Changing Fraud Detection for South African Financial Institutions

With fraud on the rise throughout the world, fraud detection must get faster, stronger and above all, smarter. This challenge is compounded by the fact that digital payment volumes, channels and types are all growing. And while machine learning has proven to be an effective ally in combating fraud, today’s financial institutions must go a step further to protect themselves and their customers.

The Role of Southeast Asia’s Central Payments Infrastructure in the Emerging Pan-Regional Network

The benefits of a real-time, cross-border payments network in Southeast Asia are clear. As the region’s economies continue to grow, a cross-border payments network will facilitate faster cross-border commerce at a lower cost.

Reading the Signals Right: Why Network Intelligence Is the Future of Machine Learning for Payments Fraud Prevention

Today’s payments ecosystem is more open and complex than ever. New payment methods and financial products are quick to market, digital personas have become the new consumers and the speed of payments has increased significantly with accelerated digitalization. This means more opportunities for fraudsters. Financial institutions (FIs) must therefore assess risk in real time – and more efficiently than ever – but their heavily invested machine learning (ML) solutions may be challenged with a lack of history from which to learn.

Learn how the payments gateway drives eCommerce and mobile commerce

Merchant Payment Fundamentals: The Payments Gateway Payments is a complex area for merchants with technology and consumer trends constantly changing. eCommerce and mobile commerce are booming and the lines between physical and digital shopping experiences are increasingly blurred as consumers shop across channels.

How Billers Can Adapt to a Changing Payments Security Landscape

More and more consumers are adopting digital channels like websites and mobile apps to pay their bills; but at the same time, hackers are becoming more sophisticated and cyberattacks are increasing in frequency. In fact, nearly 20 percent of consumers have fallen victim to online identity theft, according to our most recent ACI Speedpay Pulse, pointing to an opportunity for billers to up the ante when it comes to security measures.

Women in Payments: Breaking into Payments and Cybersecurity

On a virtual panel during the Women in Payments Symposium Canada, Donna Teevens, director of global information security, ACI Worldwide, joined a number of women from payments organizations including Interac, PayPal, RBC and Dentons to discuss, “The Key to Cybersecurity in a Crisis and Beyond.

How to Deliver on the Promise of End-to-End, Global Real-Time Payments [Q&A]

Traditionally, Sibos has been focused on high-value cross-border payments, but – as with so much of 2020 – times are changing. High- and low-value cross-border payments are converging, and the rich-data standards that are emerging for real-time payments will further accelerate this trend.

Strong Customer Authentication: New Rules Will Trigger Profound Changes in Many Organizations [Q&A]

One of the biggest industry issues for the payments community right now is strong customer authentication (SCA) – the new regulation for card payments, including card-not-present or eCommerce payments. This is due to come into force on December 31, 2020 in the EU, and on September 14, 2021 in the U.K. ACI recently brought together industry stakeholders for a webinar entitled Competition Versus Compliance: How an SCA Exemptions Strategy Can Grow Your Business. I spoke with these stakeholders about the challenges, but also opportunities, that SCA will bring to the payments industry.