Core Insights - ACI Worldwide will participate in three major investor conferences to discuss payment modernization trends, fraud management evolution, and digital transformation in the global payments ecosystem [1][2][3] Group 1: Investor Conferences - ACI Worldwide executives will present at Citi's 14th Annual FinTech Conference on November 18 and at Stephens Annual Investment Conference on November 20, including a fireside chat [2] - The UBS Global Technology and AI Conference will take place on December 2-3, where ACI executives will also engage in one-on-one meetings with registered investors [3] Group 2: Company Overview - ACI Worldwide is a leader in real-time payments software, providing solutions to thousands of financial institutions and merchants globally, with a focus on modernizing payment infrastructures [1][4] - The company has 50 years of experience in payments technology, emphasizing intelligent payments orchestration to enhance payment experiences [4]

Q3 2025 November 6, 2025 Earnings Presentation This presentation contains forward-looking statements based on current expectations that involve a number of risks and uncertainties. The forward-looking statements are made pursuant to safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Private Securities Litigation Reform Act of 1995 Safe Harbor for Forward-Looking Statements With over 50 years of trusted payments expertise, we combine our global footprint with a local presence to ...

Core Insights - The increasing interest in stablecoins is prompting payment firms to explore partnerships and technology to enhance payment solutions and settlement services across Europe [1][2][4] Group 1: Stablecoin Adoption and Partnerships - Worldline has partnered with Fipto to investigate how stablecoins can enhance payment services in Europe [1] - Zelle is also working on a stablecoin initiative following the passage of the GENIUS Act, indicating a trend among payment firms to develop stablecoin capabilities [2] - Western Union has announced plans to launch its own stablecoin, USDPY, and has partnered with Rain to facilitate payments through its Digital Asset Network [5][6] Group 2: Demand from Financial Institutions - A significant portion of banks and credit unions are reporting client interest in cryptocurrencies and stablecoins, with 47% seeking general information and 35% wanting payment capabilities [3][4] - Only 2% of financial institutions have launched their own stablecoins, indicating substantial potential for growth in this area [7] Group 3: Technological Advancements - Standard Chartered's CEO predicts that blockchain technology will soon support all transactions, emphasizing the need for banks to adapt to digital assets [7] - ACI Worldwide has acquired Payment Components to enhance its ACI Connetic platform, which integrates various payment technologies [8][9][10] Group 4: Collaborations in Traditional Finance - Ripple is collaborating with Mastercard, WebBank, and Gemini to facilitate traditional currency settlements using its RLUSD stablecoin [11][12] - Coinbase has partnered with Tink to enable account-to-account cryptocurrency payments in Germany, expanding its integration with traditional financial services [15][16] Group 5: Expansion of Services - Klarna is expanding its card services to 15 additional European markets, diversifying its product offerings in anticipation of a U.S. stock listing [20][21] - Visa and Transcard have launched a finance platform to support payments for shipping companies, utilizing Visa's virtual card technology [22][23][24]

Core Insights - ACI Worldwide has acquired Payment Components, enhancing its capabilities in AI-powered financial messaging and Open Banking solutions [1][2] - The integration of Payment Components' technology into ACI Connetic aims to accelerate the development of a cloud-native unified payments platform [1][2] - Payment Components is recognized for its innovative software solutions that streamline transaction orchestration and enhance back-office connectivity [2] Company Overview - ACI Worldwide specializes in intelligent payments orchestration, providing software solutions that enable banks, billers, and merchants to modernize their payment infrastructures [2] - Payment Components, founded in 2014 in Greece, focuses on A2A payments, API management, and financial messaging, serving over 65 banks and institutions across 25 countries [2][3] - The acquisition includes Payment Components' technology, intellectual property, talent, and customer relationships, with a collaborative effort to enhance ACI Connetic's messaging features [2] Technology and Innovation - Payment Components leverages generative AI to simplify and accelerate payment processes, delivering more agile payment services [2] - The company aims to replace complex financial processes with AI-assisted components, reflecting a shift towards more efficient fintech solutions [3] - ACI Worldwide's strategy combines an international footprint with local presence to address evolving payment challenges and opportunities [2]

Core Insights - ACI Worldwide has acquired Payment Components, a Greek fintech specializing in AI-driven financial messaging and open banking solutions, with the acquisition not expected to be financially material to ACI [1][3] - The technology from Payment Components will enhance ACI Connetic, ACI's cloud-based payments platform, which supports card processing, account-to-account transactions, and AI-driven fraud prevention [2][3] - The integration aims to streamline payment processing and improve back-office integration, leveraging generative AI and enhancing the capabilities of ACI's offerings [4][5] Company Strategy - ACI's acquisition is intended to set a new standard for payment transformation in the digital economy, emphasizing the importance of innovation and talent from Payment Components [3][5] - The acquired technology will facilitate the launch of local payment schemes and improve the overall efficiency of payment operations [4][5] - ACI's strategic partnership with BitPay in October 2025 aims to enhance digital asset capabilities for merchants and payment service providers [6]

Company Acquisition - ACI Worldwide has acquired Payment Components, a provider of financial messaging and open banking solutions [1][2] - The acquisition aims to integrate Payment Components technology into ACI Connetic, ACI's cloud-native unified payments platform [2] Strategic Impact - ACI's CEO, Thomas Warsop, stated that the acquisition will enhance ACI Connetic's capabilities and set a new standard for banks in payment transformation within the digital economy [3] - Payment Components, founded in Greece in 2014, serves 65 banks and institutions across 25 countries and utilizes generative AI to improve payment processes [3] Open Banking Insights - Recent research indicates that a significant knowledge gap exists among U.S. consumers regarding open banking payments, with 56% unaware of the option [4] - The report suggests that the pay by bank method could gain traction in sectors where consumers already link accounts directly, such as betting and ridesharing [5] - Younger consumers, particularly Generation Z and millennials, show a strong interest in using pay by bank for transferring funds, with over 40% expressing willingness [6]

Core Insights - ACI Worldwide has announced that Solaris SE has chosen ACI Connetic to consolidate all SEPA instant payments onto its platform, highlighting ACI's leadership in global payments technology [1] Company Summary - ACI Worldwide is recognized as an innovator in global payments technology, emphasizing its role in providing advanced payment solutions [1] - Solaris SE is identified as Europe's leading embedded finance platform, indicating its significant position in the financial technology landscape [1] Technology Overview - ACI Connetic is described as the industry's only unified solution that integrates account-to-account (A2A) payments, card processing, and AI-powered fraud detection, showcasing its comprehensive capabilities [1]