ACI Worldwide, Inc.

General ACI develops, markets, installs, and supports software solutions that provide intelligent payments orchestration to banks, merchants, and billers. ACI's solutions power the global payments ecosystem by supporting any channel, network, and payment type, enabling new payment experiences that drive customer growth and innovation. These intelligent payments orchestration solutions help customers modernize their payments infrastructure to handle necessary business transactions at scale and without downtime. ACI builds software solutions that simplify and secure complex payments for leading financial institutions and large enterprises worldwide. ACI's solutions and services are used globally by banks of all sizes, central banks, intermediaries, merchants, billers, third-party digital payment processors, payment associations, switch interchanges, and various transaction-generating endpoints. These endpoints include automated teller machines (ATMs), merchant point-of-sale (POS) terminals, bank branches, mobile phones, tablets, corporations, and internet commerce sites. The authentication, authorization, switching, settlement, fraud-checking, and reconciliation of digital payments is a complex, 24/7 online activity due to numerous transaction locations and sources, many market participants, high transaction volumes, geographically dispersed networks, different authorization types, and varied reporting requirements. ACI combines a global perspective with a local presence to customize digital payment solutions. The company believes it has a diverse and robust digital payment solution portfolio with application software covering the entire payments value chain. ACI is a Delaware corporation incorporated in November 1993 as ACI Holding, Inc., largely succeeding Applied Communications, Inc. and Applied Communications Inc. Limited, acquired on December 31, 1993.