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Since 1984, Alliance & Leicester has used ACI Worldwide’s BASE24 payments engine to support transaction processing across growing customer channels. Today, the bank continues to receive payment support from ACI along with expert risk management technology to manage its exposure to potential fraud.
Alliance & Leicester and ACI: A Twenty Year Partnership
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Alliance & Leicester (A&L), one of the UK's major financial services groups, offering a broad range of financial services to personal, commercial and small-business customers, sought a solution to protect both the company and its customers from fraud losses.
ACI Solution Helps Alliance & Leicester Combat Potential Fraud
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A family-owned regional bank headquartered in Biella, Italy, Banca Sella was an early pioneer in the implementation of electronic payment services and now holds a commanding market share in the e-commerce arena.
As a general rule, Banca Sella likes to manage its affairs in-house to ensure superior quality and maximum control. Every once in a while, though, the bank finds an outside partner whose products match its needs perfectly and fully satisfy its stringent requirements. ACI is just such a partner, and the company has enjoyed a close partnership with Banca Sella for more than 14 years.
Banca Sella Drives Innovation with ACI Solutions
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As one of the largest banks in Indonesia, PT Bank Central Asia Tbk. (BCA) holds the vision to be a leader in processing bank transactions. As BCA increased its customer base in Indonesia, the bank experienced a sharp boost in transaction volumes and its current transaction processing system could not handle this increase. BCA quickly sought a solution that would manage its increasing transaction volumes. BCA turned to ACI Worldwide for products from the BASE24 suite of solutions, including BASE24-atm and BASE24-pos.
Bank Central Asia Tbk. Meets Business Goals With BASE24
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BGZ SA sought a transaction processing engine that would drive an ATM network and allow the bank to offer Internet banking solutions. Migration to the integrated BASE24® platform allowed BGZ SA to consolidate retail delivery processing while increasing performance.
ACI Solutions Help BGZ SA Offer 24/7 Banking
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Based in Toronto, Canada, CertaPay specializes in real-time, point-to-point (P2P) e-mail payment solutions and is the exclusive P2P service provider to Bank of Montreal, CIBC, Scotiabank and TD Canada Trust. CertaPay uses ACI Proactive Risk Manager for Anti-Money Laundering to stop money transfers that appear suspicious.
CertaPay Uses ACI Proactive Risk Manager to Monitor Money Transfers Via E-Mail
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A full-service bank with two strategic lines of business—Retail Markets and World Markets—CIBC serves almost 11 million customers and processes more than five million financial transactions every day. In a country whose citizens have paved the way in adopting point-of-sale transactions, CIBC boasts a substantial share of the credit card issuing market.
In this dynamic payment environment, customer service is CIBC’s primary focus. A broad network of ABMs and branch offices, complemented by innovative telephone and Internet services, ensures that the bank’s clients have ready access to their money, any time and anywhere. For the past two decades, CIBC has partnered with ACI to help deliver this superior customer experience.
CIBC Creates Value and Lowers Costs with ACI Solutions
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With debit card payments having recently topped cash as Canadians' favorite way to pay for purchases, CIBC wanted to upgrade its existing level of debit card fraud detection to better protect customers and mitigate risk for the bank. CIBC selected ACI Proactive Risk Manager for Debit Card Fraud Detection, a neural network based fraud-detection system designed to help institutions combat debit card fraud schemes.
CIBC Reduces Debit Card Fraud With ACI Proactive Risk Manager
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With fraud patterns constantly evolving, Citizens Bank needed a fraud detection solution that would allow for PIN and signature-based monitoring in addition to rules writing. Citizens uses ACI Proactive Risk Manger to monitor its US $161 billion in assets spread among its 1600 offices in 13 states throughout the mid-Atlantic, New England and Midwest.
Citizens Bank Improves Fraud Detection with ACI Proactive Risk Manager
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Cumberland Building Society, the largest building society based in Cumbria, introduced new debit cards under Visa's debit program to replace those previously issued under the switch debit card scheme. Following its migration, the Cumberland had to fully comply with Visa's card issuer requirements and mandates for fraud detection.
ACI Proactive Risk Manager offered the most cost-effective solution in relation to the Cumberland’s experience of debit card fraud, while still meeting the necessary compliance requirements.
ACI Proactive Risk Manager Protects Cumberland Building Society's Customers From Debit Card Fraud
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The security department of Disbank was looking for a solution to help protect the bank and its customers from card-based payments fraud. Learn how ACI Proactive Risk Manager is helping them reduce their exposure to risk and minimize losses.
Disbank Fights Card Fraud with ACI Proactive Risk Manager
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From its base in Puerto Rico, EVERTEC delivers state-of-the-art transaction processing services in the Caribbean and Latin America. Their ATH debit network provides ATM and point-of-sale services for traditional transactions as well as EBT and prepaid card programs.
EVERTEC Builds On 20 Years of Success
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ING Bank and Postbank have begun a multi-year, multi-phase project to integrate their ATM systems around a common base of new ACI software. The project includes support for 2,600 ATMs, 60 transactions per second, millions of EMV-compliant debit cards and the adoption of BASE24-eps for Enhanced Authorization.
ING Bank Finds Flexibility, Cost-Efficiency With Integrated ATM System
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Metavante manages more ATM and POS transactions than any other processor using BASE24 software. And they offer a wide range of services -- ATM driving, gateway switching, card authorization, debit and bill pay fraud detection and settlement -- enabled by ACI products.
Metavante: A Premier Processor Grows With ACI Software
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Brett Small seems an unlikely sting artist. As head of consumer banking fraud at the National Australia Bank, one might expect him to be straight-laced and, well, stodgy. But when he describes a recent event in which NAB foiled the brazen plans of an Internet banking fraudster—aided by Proactive Risk Manager software from ACI and a healthy dollop of in-house creative genius—the delight in his voice is palpable.
National Australia Bank Foils Fraudsters with PRM
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National Australia Group (NAG) manages over four million credit cards and four million debit cards across its four bank brands. Currently, NAG authorizes over 28 million transactions per month, of which there is an equal spread of acquired and issued traffic.
NAG is an active participant in a mass rollout of EMV cards with an offline PIN infrastructure. NAG had created an in-house Card Care system designed to manage the credit risk facilities of EMV. The challenge was how to integrate this in-house system into the real-time authorization path.
NAG opted for BASE24-eps, a flexible and powerful payment engine used to acquire, authenticate, route, switch and authorize financial transactions across multiple channels.
National Australia Group Uses BASE24-eps to Enable EMV Script Management
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NatWest was experiencing problems with its authorization services due to incomplete data as a result of segregated customer and balance information. NatWest wanted customers to be recognized at whatever channel they chose to use, such as an ATM, a POS device or the Internet. The bank also wanted to segment its customer base to reflect different levels of risk. ACI responded by developing the Unified Available Funds (UAF) solution.
NatWest and ACI Worldwide: Enhancing Authorization Services
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A credit card processor based in Saarbrücken, Germany, PLUSCARD provides a comprehensive range of outsourcing services for approximately 200 German savings banks. The ACI Dispute Management System, a fully integrated solution that supports and automates new business processes associated with the management of cardholder disputes, helped them reduce costs, improve customer service and improve portfolio profitability.
ACI Solution Helps PLUSCARD Improve Dispute Management and Achieve Significant Savings
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In 1996, Visa CEMEA (Central Europe, Middle East and Africa) mandated that its members meet monitoring standards to address the region’s growing rate of fraud. SMT needed a solution to automate its fraud detection procedures and help analysts detect fraud as quickly as possible. Based on its performance around the world, and Visa CEMEA’s determination that the ACI system met its stringent monitoring standards, SMT chose ACI Proactive Risk Manager for Debit Card and Merchant Fraud Detection.
Société Monétique Tunisie Achieves Visa Fraud Monitoring Compliance with ACI Proactive Risk Manager
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