Case Study: OTP Bank achieves 90% reduction in card fraud and €25M annual revenue with ACI Worldwide's MoneyGuard

OTP Bank uses mobile alerting to drive down fraud rates and increase customer engagement

OTP Bank, Hungary’s largest retail bank, was facing rapidly rising card fraud—more than three times the regional average—and needed a simple, cost‑effective way to involve customers in real‑time fraud detection. Working with Spectrum and ACI Worldwide, OTP Bank deployed MoneyGuard, an SMS‑based alerting service that links to ACI’s BASE24 payments switch and ACI Proactive Risk Manager to notify cardholders immediately of suspicious transactions.

By integrating MoneyGuard with ACI Worldwide’s payments and fraud tools, OTP Bank cut card fraud by 70% in the first quarter and by 90% within two quarters, produced a “halo effect” that lowered fraud even for non‑users, and grew adoption to nearly 1.5 million users. The mobile alerting service also became a profitable offering, generating about €25M in annual revenue for OTP Bank while improving customer engagement and response times.

OTP Bank

Ákos Takáts

CEO and Head of the IT