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ACI Worldwide, Inc. (ACIW) is a global leader in electronic payment solutions, enabling secure and real-time digital transactions for over 6,000 organizations, including some of the largest banks, merchants, and intermediaries. The company offers a comprehensive suite of software products and services that facilitate payments and securities transactions, processing approximately $14 trillion daily. ACI Worldwide's solutions are delivered through on-premises installations, public cloud, or its private cloud, catering to a wide range of customers across various industries.
- Billers - Provides electronic bill presentment and payment services, enabling businesses to streamline billing processes and offer customers flexible payment options.
- Banks - Offers real-time payment capabilities and omni-channel payment solutions to financial institutions, supporting transactions across ATMs, POS terminals, mobile devices, and internet commerce sites.
- Merchants - Delivers payment processing solutions tailored for global merchants, ensuring secure and efficient transactions across various sales channels.
| Name | Position | External Roles | Short Bio | |
|---|---|---|---|---|
Thomas W. Warsop III ExecutiveBoard | President, Chief Executive Officer, and Director | Director at Altus Group | Extensive leadership experience in payments and financial services industries. Former CEO of One Call Care Management and Executive Chairman of York Risk Services Group. | View Report → |
Abe Kuruvilla Executive | Chief Technology and Operations Officer | None | Joined ACIW in October 2023. Leads AI-first engineering and modernization strategies. Former CIO at CoreLogic and Dell Financial Services. | |
Alessandro Silva Executive | Chief Revenue Officer | None | Joined ACIW in 2021. Former Head of International Markets. Extensive experience in sales and general management roles across geographies. | |
Dennis P. Byrnes Executive | Executive Vice President and General Counsel | None | Currently serving as General Counsel. No additional details on start date or prior roles within ACIW are available. | |
Scott W. Behrens Executive | Executive Vice President, Chief Financial Officer, and Chief Accounting Officer | None | Joined ACIW in 2007. Promoted to CFO in 2009. Extensive experience in financial management and reporting. Previously held roles at SITEL Corporation and Deloitte & Touche. | |
Scotty Perkins Executive | Interim Chief Product Officer | None | Previously Head of Product Management Innovation and Modernization. Assumed interim CPO role after Debbie Guerra's resignation. | |
Adalio T. Sanchez Board | Chairman of the Board | President of S Group Advisory, Director at Avnet, Snap One Holdings, and ASM International, Trustee at MITRE Corporation, Director at FIU Foundation | Extensive leadership experience in technology and innovation. Former EVP at IBM. | |
Charles E. Peters Jr. Board | Director | None | Former EVP and CFO of Red Hat. Extensive financial management and executive leadership experience. | |
Janet O. Estep Board | Director | Director at Alerus Financial | Former President and CEO of Nacha. Extensive experience in payments and financial services industries. | |
Juan A. Benitez Board | Director | Board Observer at NomuPay | Former President of GoFundMe and GM/CTO of Braintree Payments. Expertise in technology and payments. | |
Katrinka B. McCallum Board | Director | Director at Rimini Street and Intrusion, Inc. | Former VP at Red Hat. Expertise in enterprise software, SaaS, and financial management. | |
Mary P. Harman Board | Director | Non-Executive Director at Capital Markets Gateway and Blue Ocean Digital Holdings | Former Managing Director at Bank of America. Expertise in payments and financial services. | |
Samir Zabaneh Board | Director | CEO and Chairman of Touch Bistro, Lead Director at Nuvei | Extensive experience in payments and technology. Former President of Moneris Solutions. |
- With your strong overperformance in 2024, particularly due to pulling forward license renewals, how do you plan to sustain revenue growth in 2025, and what gives you confidence that growth rates can continue despite tougher comparisons?
- You indicated that Payment Hub pilot implementations are expected in the second quarter of next year; can you provide more detail on when the Payment Hub will be generally available and how it's factored into your 2025 growth expectations?
- Given that the strength in the Banks segment is driven by large banks with on-premise licenses, what strategies are you employing to accelerate growth among mid-tier banks through SaaS offerings, and how significant is this opportunity in your medium-term growth plan?
- As competition in Real-Time Payments intensifies, how do you plan to maintain your competitive edge, and are you seeing any pricing pressure or changes in the competitive environment that could impact your growth in this space?
- With your significant investments in the Payments Hub and AI initiatives, how are you balancing the associated costs with the need to maintain or improve EBITDA margins, and when do you expect to see a return on these investments?
Recent developments and announcements about ACIW.
Earnings
New Earnings (Q4 2024)
·Feb 27, 2025, 9:10 PMView full earnings summary →ACIW’s Q4 2024 highlights a $50M new APAC client and Kinetic’s high praise, offset by a Biller EBITDA decline. Achieving top-end EBITDA depends on new license deals. Will the new Payment Software segment unlock sustained, high single-digit growth?