Case Study: Nationwide Building Society cuts debit card fraud by 80% with ACI Worldwide's Proactive Risk Manager

Nationwide Building Society achieves market leading fraud reduction

Nationwide Building Society faced rising fraud on its UK‑issued debit cards and engaged ACI Worldwide to build a debit card transaction history database and deploy ACI Proactive Risk Manager™ alongside its BASE24 processing system to reduce debit card fraud and improve detection.

ACI Worldwide implemented Proactive Risk Manager with Tieback integration to BASE24 and a real‑time authorization feed, enabling automatic block/decline rules and advanced modeling to stop fraudulent transactions in real time. As a result, Nationwide’s debit card fraud dropped by around 80%, debit card losses fell to their lowest level in over four years, and the bank won the Banking Technology Magazine Award for Best Use of IT in Retail Banking.

Nationwide