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ACI Worldwide (NASDAQ: ACIW) is a leading global payments technology provider headquartered in Omaha, Nebraska. With nearly 50 years in the industry, the company delivers mission-critical software solutions that enable real-time, secure, and seamless payments for banks, merchants, billers, and financial intermediaries across 94 countries. It processes billions of transactions daily, representing trillions of U.S. dollars, and serves a diverse client base ranging from major banks and payment processors to government agencies and large enterprises. ACI Worldwide’s solutions underpin payment processing for over 6,000 institutions across 95 countries, enabling billions of transactions valued at trillions of dollars annually. What sets the company apart is not just its global scale but its strategic vision and commitment to building the infrastructure necessary for the next generation of payments. This growth is the result of years of deliberate transformation, guided by a client-centric philosophy and a forward-looking technology roadmap. As real-time payments shift from emerging capability to industry standard, ACI Worldwide has positioned itself as a trusted provider, offering enterprise-grade scale, fintech agility, and the confidence of regulators worldwide. Strategic Expansion and Real-Time Payments Central to the company’s approach is the belief that the future of payments is collaborative, shaped by ecosystems involving banks, fintechs, merchants, and governments. ACI Worldwide is more than a software vendor; it is a strategic partner, helping to build the digital infrastructure for national real-time payment schemes, facilitating cross-border transactions, embedding fraud intelligence at the infrastructure level, and advising central banks on regulatory and architectural frameworks. A defining element of ACI Worldwide’s recent expansion strategy is its increased focus on the mid-tier financial sector. Historically, the company built its reputation by serving the world’s largest banks and institutions equipped with complex infrastructure and deep IT budgets. However, mid-sized banks and merchants, with assets ranging from USD 50 billion to USD 250 billion, now face intensified digital pressures. They must adapt to changing compliance mandates, deliver seamless customer experiences, and modernise operations, all within tighter financial constraints.
Across Europe, physical attacks on ATMs—often involving gas or solid explosives—have led to widespread use of reactive security measures like ink-stained banknotes. While these methods render the stolen cash unusable by criminals, they also do not avoid an explosion with the consequent huge damages in the bank branch, resulting in financial loss for banks and logistical burdens for authorities. InfoMAT offers a smarter alternative with ShockBuster. Instead of staining bills after a breach, it prevents access altogether. This cutting-edge system is built directly into the ATM’s dispenser and features an internal shutter protection blade that locks down the cash compartment at the first sign of tampering. Even if an attacker manages to breach the outer casing, ShockBuster prevents foreign objects or explosives from reaching the cash safe. Throughout the process, the system continuously monitors dispenser signals in real time, managing the external shutter and ensuring comprehensive, layered protection against physical attacks. By stopping the attack before the vault is exposed, ShockBuster preserves the integrity of both the machine and the money, shifting the focus from rendering the stolen cash unusable to true deterrence. High-risk environments demand stronger defences—and that’s where InfoMAT’s Hardox MASK comes in. For “lobby” ATMs placed in busy lobbies, public spaces or remote locations vulnerable to tampering and explosive attacks, the Hardox MASK provides an additional, powerful layer of physical security. Crafted from reinforced steel, it fortifies the outside of the ATM, shielding its most vulnerable point, such as the shutter area. Its armour is built to withstand physical force from drills, crowbars and even explosive blasts, making direct access significantly harder for attackers. By combining external reinforcement from the Hardox MASK with internal sealing from ShockBuster, InfoMAT delivers full-spectrum ATM security for all vendor models: “through the wall,” lobby, cash dispenser and deposit. “Today, when physical attacks on ATMs are on the rise, we are here to put a full stop to it,” says Claudio Benvenuti, president. “Our approach is simple: defend ATMs without alerting attackers, because the best security is the one they don't expect to find.” Early warnings are the difference between a failed attempt and a successful breach. Both ShockBuster and the Hardox MASK include an alarm interface that connects to local security circuits or remote-control rooms, providing rapid alerts that delay attacks long enough for authorities to respond within five to eight minutes. Protected ATMs thus become significantly less attractive targets. In fact, at locations with two machines—one equipped with ShockBuster and one left unprotected—attackers have repeatedly abandoned attempts on the protected ATM while successfully breaching the unprotected one.
Marek Trebicki, Cyber Security Services Risk & Control Associate Director, Standard Chartered Bank
Stefan Stignäs, Head of Customer Journey Management, SEB
Kaloyan Yanchev, Head of Business Development, Payments and T212 Card, Trading 212
Dobrin Dobrev, Chief Information Security Officer, TBI Bank
Bernard Gavgani, Senior Advisor to the Group's General Management, BNP Paribas
Roberto Baratta Martinez, Director of Loss Prevention, Business Continuity and Security, ABANCA
Ste Watts, Group Head of Cyber Security Operations (SecOps), Aldermore Bank PLC
Powering Secure and Seamless Banking
Emerging trends in cybersecurity and digital infrastructure are redefining bank machine security across Europe, paving the way for more resilient systems and secure, customer-centric financial services. As banks expand self-service capabilities and digital banking touchpoints, they leverage cutting-edge technologies to protect ATMs, kiosks and other critical endpoints from a growing spectrum of cyber and physical threats. With financial institutions under increasing pressure to modernize their security frameworks, many prioritize operational resilience through comprehensive risk management strategies and intelligent security systems. From real-time threat detection and biometric authentication to encrypted data transmission and centralized monitoring platforms, a range of innovations transform how banks secure sensitive infrastructure while maintaining seamless customer experiences. This edition of Banking CIO Outlook Europe brings recent developments in bank machine security and insights into how financial institutions can harness these innovations to strengthen protection and deliver secure customer experiences. It features thought leadership articles from industry experts, including Laura Quaroni, head of privacy & security at Banca IFIS, who highlights the importance of a structured, forward-looking approach to cybersecurity. She stresses that strong internal governance and risk controls are essential for managing ICT systems effectively and achieving digital operational resilience, an approach now central to securing modern banking infrastructure. Stefan Stignäs, head of customer journey management at SEB, highlights the growing importance of interconnectedness across the financial ecosystem. He points out that data will be a vital resource for future banking models, with collaboration among stakeholders key to unlocking its full value, particularly in secure, multi-channel environments. We hope this edition helps you find the right partner to strengthen your security posture and sharpen your competitive edge in financial services.