90%
HOW ARE LENDERS
INVESTING IN THE
#1 DRIVER OF
CUSTOMER
SATISFACTION?
Customers’ billing and payments
experience is the most influential
driver of loan customer
satisfaction.*
90% OF HIGHLY SATISFIED CUSTOMERS WILL USE THEIR CURRENT
LENDER IN THE FUTURE*
Lenders should offer the most convenient billing and payment options to drive customer satisfaction and grow
their loan portfolio. Customers are raising their expectations for a wider variety of convenient options of how to
receive notifications, view bills and make loan payments. For example, customers now prefer 3 to 1 to pay with
a debit card vs. ACH.* To expand their business, lenders need to meet their customers’ growing demands. They
must take advantage of recent advancements to satisfy customers, while lowering costs and strengthening
security.
Grow the business
Transform the most frequent customer
touch point — the payment — into
a source of new loans. Lenders
can satisfy customer demands for
convenient billing and payment while
marketing new loans with videos
embedded in their eStatements.
Shrink debit card costs by
30%
Mitigate the $6 million risk
of a data breach
Save 30% on debit card interchange
costs and offer customers their favorite
way to pay for significantly less
Mitigate data breach risks with secure
state-of-the-art data centers and
tokenization so systems never touch
customers’ card numbers
News
Find a Branch
Contact Us
Make a Payment
My Profile
September 01, 2013 through October 01, 2013
Primary Owner: JONATHON DOE
CUSTOMER SERVICE INFORMATION
Service Center:
1-800-555-1234
Lost or Stolen Card: 1-800-555-6789
Report Fraud:
1-800-555-0987
Cover
Accelerate profitable customer
relationships
Adding videos and targeted offers to eStatements
can drive profits by cross-selling new services and
offers, and automating customer service.
Checking
Savings
Auto Loan
Your Bank Accounts
Account
Home Mortgage
Credit Card
Past Statement
Your Loan Accounts
Available Balance
TRG CHECKING (...3456)
Account
$990.27 See Detail
Principal Balance
TRG AUTO LOAN (...4601)
$16,214.91 See Detail
TRG SAVINGS (...4601)
$4,600.00 See Detail
TRG HOME MORTGAGE (...4601)
$183,228.77 See Detail
Total
$5,590.27
Total
$215,706.31
Your Credit Card (...4601)
See Detail
See Detail
Your Rewards
Your
Balance
Rewards Balance
Rewards Points Available
Account Summary
3,023
Current balance
$523.66
Visit Direct Rewards
Payment due date
10/15/13
Earn More Points
Minimum payment due
$10.00
Pay Now
Redeem for Cash
 BILL PAYMENT™ SOLUTION BENEFITS
Drive revenue
Reduce costs
Maintain security and
compliance
Turn the payments experience into a
source of new loans
Achieve the lowest costs and fastest
payments in the industry
Leverage best practices gained from
3,600 bill payment clients
•Sell additional products and services
with embedded videos and targeted
offers in eStatements
•Shrink the cost of debit card
interchange by 30% through ACI’s
unique resources, partnerships and
expertise
•Comply with state and federal
regulations with ACI’s money
transmitter licenses
•Lower customer service call times by
80% with debit card payments*
•Support tokenization and encryption
of data
•Obtain funds faster through the use
of good funds debit card payments
•Comply with PCI, GLBA and NACHA
•Meet customer demand for
convenience with:
•Anytime/anywhere text, email,
IVR and mail alerts
•Mobile, online, IVR, call center,
API and in-person payments
•ACH, debit card, credit card and
cash payments
•Decrease document delivery costs
by 50%* with interactive
eStatements and multi-channel
consumer marketing
•Adhere to card association rules
•Use ACI’s secure data centers with
unparalleled disaster recovery
•Reduce charge offs by 10% with ACI
Virtual Collection Agent™
PAYMENTS EXPERT DEDICATED
TO SERVING CONSUMER
FINANCE
Customers want flexibility in their bill payment
options and will increasingly demand greater
convenience and speed of payment. ACI Worldwide,
the Universal Payments™ company, can help delight
customers by giving them what they want. ACI is
investing heavily to exceed customer expectations,
lead a cost revolution and achieve the highest level
of security today and into the distant future. ACI
has more than 40 years’ experience in the payments
industry, building payment systems that process $13
trillion in payments and securities transactions daily.
Success achieved by consumer finance companies
with  Bill Payment solutions:
•RBS Citizens Bank enhanced convenience and
grew web payments 3X in one year
•Top three bank increased profitability by achieving
a 5X increase in collections
•Top consumer finance company lowered costs by
beating the industry average for paper statement
suppression by 31%
“Before ACI, it would have taken us years to realize
the efficiency gains that  Bill Payment solutions
provide; as such, making the switch to ACI was an
easy decision. This cost savings, combined with ACI’s
compliance and money transmitter licenses, set them
apart from the other options in the marketplace.”
-John Mason
Vice President of Operations
Westlake Financial Services
See how Westlake plans to save $5 million with
ACI at www.ACIWorldwide.com/BillPay
*Source: Navigant Consulting, BlueFlame Consulting, J.D. Power &
Associates, Mercator Advisory Group
www.aciworldwide.com
Americas +1 402 390 7600
Asia Pacific +65 6334 4843
Europe, Middle East, Africa +44 (0) 1923 816393
© Copyright ACI Worldwide, Inc. 2015
ACI, ACI Payment Systems, the ACI logo, ACI Universal Payments, UP, the
UP logo and all ACI product names are trademarks or registered trademarks
of ACI Worldwide, Inc., or one of its subsidiaries, in the United States, other
countries or both. Other parties’ trademarks referenced are the property of
their respective owners.
AVF5733 04-15