Card issuers need to provide their customers with attractive products and good service in order to build a relationship of trust and loyalty. This needs to be delivered while operating efficiently and keeping costs under control.
The globalization of the banking industry, the continuing shift from cash to electronic payment and increasing regulatory pressures are placing demands on card issuing businesses to differentiate their card products and improve their operational efficiency.
ACI has more than 35 years experience in providing solutions to card issuers which enable them to meet these demands. ACI’s current solution set provides issuers with the capability to bring innovative new products quickly to market. These dependable, reliable and robust solutions allow issuers to grow and to introduce improved efficiency into their operations.
ACI Issuer provides a single platform for issuing and supporting credit, debit, pre-paid and contactless cards. It manages card portfolios in different countries and for different issuers, and has full multi-currency, multi-institution and multi-language capabilities. Flexible rules-based product definition minimizes time to market. A single view of customers, products and transactions facilitates improved customer service and cross-selling opportunities.
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ACI Interchange provides a clearing and settlement with the major international payment schemes: Visa, MasterCard, JCB and American Express. ACI is a member of all major scheme vendor programs and through regular mandate releases removes the burden of maintaining payment scheme compliance from card issuers.
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BASE24-eps provides online authorization interfaces to the major global payment schemes, again removing the burden of maintaining compliance from card issuers. BASE24-eps also provides flexible scripting capability for debit card authorization and interfaces into core banking systems to obtain banking account balances.
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ACI Proactive Risk Manager provides the capability to detect and manage potentially fraudulent transactions using pre-defined rules and analytic models.
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ACI Token Manager provides issuance and post issuance capability for smart cards. It is capable today of allowing issuers to support emerging new products such as multi-application cards and mobile payment devices.
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