ACI Worldwide, Inc. develops, markets, installs, and supports a line of software products and services primarily focused on facilitating electronic payments. In addition to the company’s own products, it distributes or acts as a sales agent for software developed by third parties. These products and services are used principally by financial institutions, retailers, billers and electronic payment processors, both in domestic and international markets. Most of the company’s products are sold and supported through distribution networks covering three geographic regions – the Americas, Europe/the Middle East/Africa (EMEA), and the Asia/Pacific. Each distribution network has its own sales force that it supplements with independent reseller and/or distributor networks. Products The company’s integrated suite of software products and hosted services deliver a range of solutions for payments processing, card and merchant management, electronic bill presentment and payment (EBPP), online banking, mobile, branch and voice banking, fraud detection and trade finance. Trusted by approximately 5,000 organizations worldwide, the company serves four primary market audiences, such as financial institutions, including global, national, regional, and community banks and credit unions; processors; retailers; and billers. The company’s products cover different domains within the payments and banking marketplace: Online Banking and Cash Management: The management of payments and cash flows across accounts worldwide through the online or mobile channel. Branch: The management and processing of monetary, non-monetary, sales and account origination financial transactions. Trade Finance: The management of all trade related transaction types, both traditional trade and open account instruments with the ability for end users to view and track those transactions through the online channel. Community Financial Services: The online and mobile banking payment systems, and security solutions that service community banks and credit unions. Retail Banking Payments: The software to support in-house issuance of payment instruments (card, tokens and virtual cards) and the management of a consumer payment from transaction acquiring through the lifecycle within the banking system to settlement, which the company splits into Payments Processing and Card and Merchant Management. Transaction Banking Payments: The management of primarily corporate payments and messages through their lifecycle, including real time gross settlement payments, ACH payments, and Society for Worldwide Interbank Financial Telecommunication (SWIFT) transactions. Retailers: The management of a consumer payment within a retailer and supporting services, such as the management of store and gift card and loyalty programs. Payments Risk Management: The securing of payments against fraud and money laundering. Payment Infrastructure: The tools and infrastructure to operate and optimize the payments system. Billers: The presentment of bills and the collection of payments for these bills from consumers for billers, including tax authorities, higher education providers, utilities, and health care providers. The company’s ACI Payments Solution vision recognized the long term direction to migrate payments processing from the discrete structures to a set of service-based enterprise payments solutions. The company’s strategy allows the company to deliver an end-to-end payment system that supports any payment type, device or channel worldwide. Online Banking and Cash Management, Branch and Trade Finance Within the Online Banking and Cash Management, Branch and Trade domain, the company has the following products: ACI Enterprise Banker is an Internet-based business banking product for financial institutions, including banks, brokerage firms and credit unions and could be packaged for small, medium and large business customers. This product provides these customers with electronic payment initiation capability, information reporting, and numerous other payment related services that allow the business customer to manage all its banking needs through the
aci worldwide inc (ACIW:NASDAQ GS)
3520 Kraft Road
Naples, FL 34105
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