ACI Worldwide, Inc. Among Apps Top 500

ACI Worldwide, Inc. Strengths, Domain Expertise, and Key Differentiators

ACI Worldwide, Inc. develops, markets, installs and supports a line of software products and services primarily focused on facilitating electronic payments. The Company also distributes or acts as a sales agent for software developed by third parties. Its products and services are used principally by financial institutions, retailers, billers and electronic payment processors, both in domestic and international markets. The Company's products are sold and supported through distribution networks covering three geographic regions, including the Americas, Europe/Middle East/Africa (EMEA) and Asia/Pacific. The Company's products and services are used by a range of transaction-generating endpoints, including automated teller machines (ATM), retail merchant point-of-sale (POS) terminals, bank branches, corporations and Internet commerce sites. The Company provides payment solutions to financial institutions globally for both retail banking and transaction banking services.

ACI Worldwide, Inc. Recent Developments

In November 2021, ACI Worldwide, launched its proprietary Network Intelligence Technology as an integral part of ACI Fraud Management. The new technology enables banks, processors, acquirers, and networks to augment fraud prevention strategies by allowing them to securely share industry-wide fraud signals by feeding their machine learning models and leveraging their machine learning technology more effectively. It offers industry players a new, hybrid approach towards fraud prevention, combining the strength of custom, proprietary signals and complementing them with signals exchanged within the consortium of industry participants.

In July 2020, ACI Worldwide announced it is accelerating real-time payments modernization for its customers globally through new digital overlay services. ACI, through collaboration with Mindgate Solutions, now delivers value-added digital overlay services through its UP Real-Time Payments solution, enhancing customer experience while strengthening real-time payments offerings.

The new services enable banks and financial intermediaries to add a range of real-time digital overlay services to support a high-volume, data-rich digital payments ecosystem for consumer, corporate and merchant customers. Digital overlay services deliver white-label mobile apps and web portals, plug-ins, APIs and SDKs for digital and social media channels on top of real-time payments infrastructure, which help banks and financial intermediaries to keep pace with evolving customer demands.

In April 2020, ACI Worldwide announced additional features within its ACI Speedpay solution, as part of its COVID-19 rapid response program. Following the announcement of Delay My Payment, which provides an automated process for requesting payment deferrals, ACI has launched Manage My Payment, a capability that empowers billers to respond more quickly to consumers’ payment needs with automated, digital payment plan options.

Manage My Payment can be easily implemented and configured by billers, allowing them to offer flexible payment options, accept payments and promises to pay, and receive requests for virtual appointments from their customers who are behind on payments because of the COVID-19 crisis. It allows consumers to self-serve and provide information without long wait times or the challenge of having to explain their financial situations. Moreover, Manage My Payment is PCI-compliant, delivering enhanced data security and protection to support distributed and work-from-home biller workforces.

ACI Worldwide, Inc. Mergers and Acquisitions (M&A) Activities

In May 2019, ACI Worldwide acquired Speedpay – Western Union’s United States bill pay business for $750 million in an all-cash transaction. With Speedpay, ACI expands its reach into existing and complementary segments such as consumer finance, insurance, healthcare, higher education, utilities, government and mortgage. The Speedpay and ACI’s UP Bill Payment platforms become a unified bill payment platform that supports billions of transactions and drives digital bill payment forward.

Total revenue for the year ended December 31, 2019, increased $248.5 million, or 25%, as compared to the same period in 2018, of which $227.7 million, or 23%, was due to the acquisition of Speedpay.

ACI Worldwide, Inc. Customers in ARTW Customer Database

Leveraging a rigorous data-centric research methodology, APPS RUN THE WORLD asks the simple question: Who’s buying ACI Worldwide, Inc. applications and why? And we provide the answers – supported by decades of research – to our clients around the world. Our Customer database has over 100 data fields that detail company usage of ACI Worldwide, Inc. and other enterprise apps by function, customer size, industry, location, implementation status, partner involvement, Line of Business Key Stakeholders and IT decision makers contact details. List of Verified ACI On Demand, ACI Universal Payments (UP) solutions. customers.

ACI Worldwide, Inc. Key Enterprise and Cloud Applications

ACI On Demand, ACI Universal Payments (UP) solutions.

ACI Worldwide, Inc. Revenues, $M:

Type/Year	2020	2021	YoY Growth, %
Total Revenues, $M	Subscribe	Subscribe	Subscribe
Enterprise Applications Revenues, $M	Subscribe	Subscribe	Subscribe
Cloud Applications Revenues, $M	Subscribe	Subscribe	Subscribe

* Enterprise Applications Revenues = License + Support & Maintenance + SaaS
** All revenue figures are estimates based on public records, Cloud and Non-Cloud business models in Apps Run The World's vendor database, and annual survey results including vendor feedback.

ACI Worldwide, Inc. Revenue Breakdown By Type, $M:

ACI Worldwide, Inc. Enterprise Applications Revenues By Functional Markets, $M:

Split by Functional Markets	% of Total Revenues	2021 Enterprise Apps Revenues, By Functional Markets, $M
Analytics and BI	Subscribe	Subscribe
Collaboration	Subscribe	Subscribe
Content Management	Subscribe	Subscribe
Customer Relationship Management	Subscribe	Subscribe
eCommerce	Subscribe	Subscribe
Enterprise Performance Management	Subscribe	Subscribe
ERP Financial Management	Subscribe	Subscribe
ERP Services and Operations Management	Subscribe	Subscribe
Human Capital Management	Subscribe	Subscribe
IT Service Management	Subscribe	Subscribe
PLM/Engineering	Subscribe	Subscribe
Project Portfolio Management	Subscribe	Subscribe
Procurement	Subscribe	Subscribe
Sales Performance Management	Subscribe	Subscribe
Supply Chain Management	Subscribe	Subscribe
Treasury and Risk Management	Subscribe	Subscribe
Total	Subscribe	Subscribe

ACI Worldwide, Inc. Enterprise Applications Revenues By Verticals, $M:

Split by Verticals	% of Total Revenues	2021 Enterprise Apps Revenues, By Verticals, $M
Aerospace and Defense	Subscribe	Subscribe
Automotive	Subscribe	Subscribe
Banking and Financial Services	Subscribe	Subscribe
Communication	Subscribe	Subscribe
Construction and Real Estate	Subscribe	Subscribe
Consumer Packaged Goods	Subscribe	Subscribe
Distribution	Subscribe	Subscribe
Education	Subscribe	Subscribe
Government	Subscribe	Subscribe
Healthcare	Subscribe	Subscribe
Insurance	Subscribe	Subscribe
Leisure and Hospitality	Subscribe	Subscribe
Life Sciences	Subscribe	Subscribe
Manufacturing	Subscribe	Subscribe
Media	Subscribe	Subscribe
Non Profit	Subscribe	Subscribe
Oil, Gas and Chemicals	Subscribe	Subscribe
Professional Services	Subscribe	Subscribe
Retail	Subscribe	Subscribe
Transportation	Subscribe	Subscribe
Utilities	Subscribe	Subscribe
Total	Subscribe	Subscribe

ACI Worldwide, Inc. Revenues By Region, $M

Region	% of Total Revenues	2021 Total Revenues, $M	2021 Enterprise Applications Revenues, $M	2021 Cloud Applications Revenues, $M
Americas	Subscribe	Subscribe	Subscribe	Subscribe
EMEA	Subscribe	Subscribe	Subscribe	Subscribe
APAC	Subscribe	Subscribe	Subscribe	Subscribe
Total	Subscribe	Subscribe	Subscribe	Subscribe

ACI Worldwide, Inc. Direct vs Indirect sales

Region	Direct Sales	Indirect Sales	Total
Type %	Subscribe	Subscribe	Subscribe
Revenues, $M	Subscribe	Subscribe	Subscribe

ACI Worldwide, Inc. Customers - Breakdown by Geo, Size, Vertical and Product

List of Verified ACI Worldwide, Inc. Customers

No. of ACI Worldwide, Inc. Customers: 6000

No. of ACI Worldwide, Inc. Enterprise Applications Customers: 6000

No. of ACI Worldwide, Inc. Cloud Customers: x

No. of ACI Worldwide, Inc. Cloud Subscribers: x

ACI Worldwide powers digital payments for more than 6,000 organizations around the world. More than 1,000 of the largest financial institutions and intermediaries, as well as thousands of global merchants, rely on ACI to execute $14 trillion each day in payments and securities. In addition, thousands of organizations utilize ACI EBPP services.

Through its comprehensive suite of SaaS and Platform solutions, ACI Worldwide delivers real-time, immediate payments capabilities, and enable a complete omni-channel payments experience. ACI Worldwide products are sold and supported through distribution networks covering three geographic regions – the Americas, EMEA, and Asia/Pacific.

Some of its customer wins included: Alipay, Jack Henry, Rabobank Raphaels Bank, The Co-operative Group (Co-op), TransferWise, Turkish Bank, Erste Bank Hungary , Wargaming, ADSI, HyperPay, Braspag, Egyptian Banks Company, Peach Payments, PayPlug, National Payment Corporation of Vietnam (NAPAS), Bambora, Pay360, The Shared Electronic Banking Services Company (KNET), Kuwait, Computer Services, Inc. (CSI), City of Tallahassee (FL), Cedarville University, Mount Saint Mary’s University and West Virginia Wesleyan College.

ACI Worldwide, Inc. Market Opportunities, M&A and Geo Expansions

In September 2020, Global eCommerce transactions increased six percent compared to the same month in 2020. The ACI NextGen real-time payments cloud, will deliver customers multiple deployment solutions spanning the entire payments ecosystem with global and local integration.

Global eCommerce sales continued to show strong growth in May, with certain sectors experiencing triple-digit year-on-year growth, according to an analysis by ACI Worldwide of hundreds of millions of eCommerce transactions from global merchants. Overall retail transaction growth of 81 percent in May, compared to the same period last year, was primarily driven by sportswear and sporting goods (216%), retail specific to housewares and DIY supplies (190%), and gaming (84%).

The sustained increase in eCommerce transaction volumes reflects a further full month of wide-ranging COVID-19-related restrictions, with consumers opting for online and click-and-collect channels over brick and mortar stores. However, the easing of lockdown restrictions in many countries is reflected in certain sectors that until now have experienced the biggest boost; gaming purchases were up 126 percent over the previous year in April, compared to 84 percent in May, while electronics were up only 32 percent in the past month after having been up more than 55 percent in April. Sectors that have been most negatively impacted showed a slight recovery in May; travel was down 91 percent in April, while in May improved slightly to 73 percent lower than the same period last year.

Overall eCommerce sales continued to increase YoY in the U.S. (13%), U.K. (17%) and APAC (43%).

ACI Worldwide, Inc. Risks and Challenges

For banks, intermediaries, and other potential customers of ACI's products, switching from one vendor of core financial services software (or from an internally-developed legacy system) to a new vendor is a significant endeavor. Many potential customers in retail banking believe switching vendors involves too many potential disadvantages such as disruption of business operations, loss of accustomed functionality, and increased costs (including conversion and transition costs). As a result, potential customers may resist change.

The electronic payments market is going through seismic changes following a long list of mergers and acquisitions including FIS Global(Worldpay), Fiserv(First Data), not to mention emergence of Adyen and the implosion of Wirecard in Germany.

ACI Worldwide, Inc. Ecosystem, Partners, Resellers and SI

In November 2021, Affirm, the payment network that empowers consumers and helps merchants drive growth. U.S. merchants using ACI Secure eCommerce can now seamlessly offer consumers the ability to make purchases with Affirm and pay-over-time without any late or hidden fees.

ACI's primary method of distribution is direct sales by employees assigned to specific target segments.

ACI uses distributors and referral partners to supplement its direct sales force in countries where it is more efficient and economical to do so. ACI generates a majority of its sales leads through existing relationships with vendors, direct marketing programs, customers and prospects, or through referrals. ACI’s distributors, resellers and system integration partners are enabled to provide supplemental or complete product implementation and customization services directly to our customers or in a joint delivery model.

Current international distributors, resellers, referral partners, and implementation partners (collectively, “Channel Partners”) for them during the year ended December 31, 2019, included: GS Technology Inc. (India), ASI International (Colombia/Venezuela/Caribbean), Bayshore (China), CAPSYS Technologies, LLC (Russia/Eastern Europe), Channel Solutions Inc. (Philippines), DataOne Asia Co., Ltd. (Thailand), DDWay (Italy), EFT Corporation (Sub-Saharan Africa), Interswitch Ltd. (Sub-Saharan Africa), JRI Inc. (Japan), Korea Computer Inc (Korea), Kuvaz (Chile), Pactera (China), P.T. Abhimata Persada (Indonesia), Stanchion (South Africa), STJ-CA, Inc. (United States), STET (EU), Stream IT Consulting Ltd. (Thailand), Syscom Computer Co., Ltd. (Shenzhen) (China), Syscom Computer Engineering Co. (Taiwan), TIS Inc. (Japan), Transaction Payment Solutions - Liquid Telecom (Sub-Saharan Africa), Worldline (China).

ACI Worldwide, Inc. Cloud Infrastructure Insights

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Research Methodology

Data used in research reports are derived from publicly available documents, continuous surveys of applications vendors, customers, resellers, Independent Software Vendors, systems integrators and other verifiable sources.

Vendor shares and market forecast results are based on a combination of existing databases as well as demand side and supply side research conducted throughout the year with validation from vendors, customers, channel partners and documentations such as earnings releases and 10Q and 10K filings, vertical industry studies, regional and country-level statistics from public and private institutions(i.e. colleges, universities, government agencies and trade associations).

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