Case Study: Leading Continental European Bank achieves 100% STP and 1M‑payment Faster Payments with 12s/2s SLAs using ACI Worldwide

Leading Continental European Bank - Customer Case Study

Leading Continental European Bank faced a critical payments challenge after acquiring a U.K. retail operation built for Faster Payments: the parent bank’s hub-based systems lacked the functionality to meet the new payment model and strict SLAs. To preserve the acquired bank’s payments capability, the bank retained ACI Worldwide’s solution—deploying Money Transfer System alongside BASE24 and ACI Proactive Risk Manager—to manage workflow and real-time processing.

ACI Worldwide implemented its Universal Payments stack (Money Transfer System, BASE24 and ACI Proactive Risk Manager) to process one million payments in a three-hour window while delivering a 12‑second end-to-end customer SLA, two‑second real-time fraud checks and beneficiary confirmation with real-time accounting. The solution achieved 100% straight-through processing (STP), met the tight SLAs and was retained under an extended license, preserving the bank’s Faster Payments capability.