Case Study: The Palmetto Bank achieves seamless, always-on mobile and self-service banking with ACI Worldwide

Delivering Big Bank Features with Local Bank Service

The Palmetto Bank, a community bank with 25 locations in upstate South Carolina, faced an aging VRU that didn’t integrate with its online services, inconsistent account information across channels, growing customer demand for mobile banking, and a stretched IT team maintaining an expensive internal data center. To address this, the bank partnered with ACI Worldwide to modernize its self‑service platform, including a state‑of‑the‑art mobile banking application and a fully integrated online, mobile and voice banking interface hosted in ACI’s data center.

ACI Worldwide delivered an end‑to‑end solution that tied all self‑service channels together in real time, moved the bank off its batch systems, and hosted the platform in ACI’s data center to provide greater redundancy, security and uptime. The result: accurate, always‑on access for customers, freed IT resources to focus on strategic projects, and strong adoption of the new mobile app—over 1,600 customers signed up within the first two weeks—demonstrating immediate, measurable impact from ACI Worldwide’s implementation.

The Palmetto Bank

Mark Terry

Chief Information Officer