closing the competitive opportunity gap

CLOSING THE COMPETITIVE OPPORTUNITY GAP <<

INDUSTRY STATISTICS

THE COMPETITIVE OPPORTUNITY GAP

THE ACI ADVANTAGE

SIMPLIFY YOUR ENVIRONMENT

DEVELOP YOUR STRATEGY

OPTIMIZE YOUR SYSTEMS

OUR WORLDWIDE PRESENCE

PAYMENTS INDUSTRY BY THE NUMBERS

trillion dollars is the 2023 estimatedvalue of noncash transactions3

of retail banking revenues will go tonew non-bank players by 20201

real-time systems have been built over the past decade, with six developed in the past three years alone2

CLOSING THE COMPETITIVE OPPORTUNITY GAP 02

1/3

13

780

These statistics are indicative of a definitive shift that’s taking place in the payments market:

INDUSTRYSTATISTICS


THE ACI ADVANTAGE





1 Retail Banking 2020 Evolution or Revolution? - PwC2 Immediate Payments Seizing the Customer Opportunity - Accenture3 Global Payments 2014 Capturing the Next Level of Value - The Boston Consulting Group

Taking advantage of these trends meanscontinually driving forward with innovativeprojects and technology.

However, if financial institutions and processors fail to move away from the status quo, competitors will have easy access to customers, widening the Competitive Opportunity Gap.


THE RISK OF THE COMPETITIVE OPPORTUNITY GAP

INDUSTRYSTATISTICS


THE ACI ADVANTAGE





1980 2000

Payments Market

Predictable & Steady

You Are Here Managed Continuum

2015 2020

Growing Customer & Marketplace Demands


For decades, you could adapt your existing technology to meet customer

and market demands.

INDUSTRYSTATISTICS


THE ACI ADVANTAGE





Rate

of

Cha

nge

1980 2000

Payments Market


You Are Here Managed Continuum

2015 2020

Customer Experience Real-time Payments

Non-bank Competitors

Any-to-Any Payments

Regulations

Mobile

World is Changing


But today, volatility has taken hold. New channels, regulations and other changes are

making the payments market unpredictable.

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THE ACI ADVANTAGE





You Should Be Here

Rate

of

Cha

nge

You Are Here

You Could Be Here

1980 2000 2015 2020

Payments Market


Competitive Opportunity

Gap

Managed Continuum

Customer Experience Real-time Payments

Non-bank Competitors

Any-to-Any Payments

Regulations

Mobile

A Better Way


If you continue to rely on your existing payments systems environment, you’ll fall farther and farther behind your more

innovative rivals, increasing the Competitive Opportunty Gap.

INDUSTRYSTATISTICS


THE ACI ADVANTAGE





With more than $1 trillion in payments-related

revenue growth, as well as the increasingly rapid

development of digital technologies anticipated

over the next ten years, banks have an enormous

opportunity to increase revenues.1

BUT WHAT IF YOU COULD . . .

. . . quickly close this gap and level the playing field without disrupting your current payments environment?

. . . bring new products and services to market faster and more efficiently?

. . . find a solution that solves strategic, operational and financial goals to lower TCO and improve top line revenue?


1 Global Payments 2014 Capturing the Next Level of Value - The Boston Consulting Group

INDUSTRYSTATISTICS


THE ACI ADVANTAGE






• adapt to meet constantly changing customer, regulatory and technology demands.

• compete against technologically sophisticated startups by bridging your current payments system with next generation technology.

• establish an enterprise-wide view of customers for cross-selling and upselling.

• provide a consistent experience across all channels, devices and payment types.

• reduce operating cost by moving to lower cost hardware and reducing customizations.

LET’S LOOK AT THREE WAYS THAT ACI CAN HELP.

INDUSTRYSTATISTICS


THE ACI ADVANTAGE





Retail Payments, featuring BASE24-eps 2.1 is an enterprise class payments solution now available on Linux/x86, enabling innovative payment solutions at a much lower total cost of ownership, while maintaining high levels of performance, scalability and reliability.

THIS SOLUTION WILL HELP YOU:


THE BARRIER: COMPLEXITY THROUGH CUSTOMIZATION

Your payments environment has served you well over the years. However, adding new channels, devices, regulations and other customizations have resulted in layers of complexity and business and system silos that could mean:

• a slower time-to-market

• the need for more staff

• an inconsistent experience for your customers

INDUSTRYSTATISTICS


THE ACI ADVANTAGE





THE BEST PATH FORWARD: SIMPLIFY YOUR ENVIRONMENTDisrupting your day-to-day operations is not an option. The Retail Payments solution protects your existing technology investment with a coexistence payments strategy. It lowers your conversion risk on highly regulated systems while enabling you to develop innovative products and services to increase customer satisfaction and win market share.


System consolidationClosing the Competitive Opportunity Gap to make up for lost time and better address market change requires an architecture consisting of enterprise class services. Consolidating your systems helps eliminate payments system silos, giving you one integrated payments environment to maintain and saving valuable time when making changes across all channels.

Streamline your payments processingNormalize the payments experience for all channels, creating consistency across your payments environment. Simplifying your environment will streamline your payments processing and position your business for future growth with enterprise class services. You can also add new channels, products and services in a more efficient way for faster time to market and rapidly innovate to meet and exceed customer expectations.

Faster time to marketAs non-bank competitors enter the payments market, being proactive versus reactive is a must. With ACI solutions you can add new channels, products, and services in a more efficient way, through scripting versus coding, for faster time to market.

INDUSTRYSTATISTICS


THE ACI ADVANTAGE






THE BARRIER: A REACTIVE APPROACH TO THE MARKET

Reacting to market changes as they happen only serves to widen the gap between you and your fast-moving competitors. This approach results in

• line-of-business and payments systems silos

• lack of innovative products and services

• fraud vulnerability

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THE ACI ADVANTAGE





THE BEST PATH FORWARD: A PROACTIVE STRATEGY TO CLOSE THE COMPETITIVE OPPORTUNITY GAPThe Retail Payments solution is not only relevant, but critical in today’s world. ACI’s vision of retail payments is that you must have solutions that are conditioned to operate without concern for geographic borders, easily adaptable to new payment types, can withstand the influences of regulators, non-financial players, and constant threats to risk and security.

Consolidate your payments environmentCreate a single integrated payments platform that offers you continuous availability and high levels of resiliency. Provide a holistic view of customers, accounts and transactions for cross-sell and upsell opportunities, enhancing your customers’ experience across all channels.

Reduce fraud riskConsolidating and connecting to multiple systems provides an enterprise-wide view of your customers’ accounts and transactions, enabling you to quickly recognize and stop fraudulent patterns regardless of channel, device or payment type.

First to marketOffer innovative products and services with a personalized touch. Whether you want to be first to market or a fast follower, our scripting capability gives you the speed needed to introduce new services, delivering on your brand promise with a customer-first approach.


INDUSTRYSTATISTICS


THE ACI ADVANTAGE






Complex legacy systems cannot keep pace with changes in today’s market. Continuing to support these platforms means

• declining margins

• increasing maintenance and specialized skillsets cost

• time consuming and continuous system customizations

THE BARRIER: RISING IT COSTS

INDUSTRYSTATISTICS


THE ACI ADVANTAGE





THE BEST PATH FORWARD: OPTIMIZE YOUR PAYMENTS SYSTEM

ACI’s Retail Payment solution provides a migration path and proven approach from a strong technology provider with a 40-year successful track record.

Improve top line revenueThe solution provides a competitive edge with unmatched scalability on lowcost platforms (Linux/x86) supporting higher transaction volume to improvetop line revenue.

Refocus your resourcesYou can refocus your resources on hiring less expensive and more readily available programmers who know current coding languages like C++ and Java, as well as object-oriented/service-based architectures, lowering your costs.

Reduce operational costs

With next generation technology you have the option to move to low costplatforms like x86/Linux while providing the same scalability, highavailability, reliability and security of your current systems, but at a muchlower cost.


INDUSTRYSTATISTICS


THE ACI ADVANTAGE





ACI POWERS ELECTRONIC PAYMENTS FOR FINANCIAL INSTITUTIONS, RETAILERS AND PROCESSORS AROUND THE WORLD.

More than 5,000 financial institutions, retailers, billers, and processors in over 80 countries rely on ACI solutions.

ACI software processes $14 trillion payments and security transactions each day.

ACI partners with 21 of the top 25 global banks for payments processing.

More than 300 global retailers use ACI software.


INDUSTRYSTATISTICS


THE ACI ADVANTAGE





Copyright ACI Worldwide, Inc. 2016.ACI, ACI Payment Systems, the ACI logo, ACI Universal Payments, UP, the UP logo and all ACI product names are trademarks or registered trademarks of ACI Worldwide, Inc., or one of its subsidiaries, in the United States, other countries or both. Other parties’ trademarks referenced are the property of their respective owners.

04-2016

TO LEARN MORE ABOUT CLOSINGTHE COMPETITIVE OPPORTUNITYGAP, WITH THE ¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶¶ RETAILPAYMENTS SOLUTION, VISIT US ATWWW.ACIWORLDWIDE.COM/ RETAILPAYMENTSSOLUTION

http://www.aciworldwide.com/retailpaymentssolution

http://www.aciworldwide.com/retailpaymentssolution

closing the competitive opportunity gap

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