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Indonesian Interbank Network Giant, ALTO, Adds ACI Worldwide Fraud Management to Enhance National Payment Experience

Industry’s most complete end-to-end enterprise payments solution deployed countrywide

ACI Worldwide (NASDAQ: ACIW), the global leader in mission-critical, real-time payments software, today announced ALTO, Indonesia’s leading interbank switch, has added ACI Fraud Management to its Retail Payments solution capabilities. The new deployment elevates ALTO’s interbank switch to the industry’s most advanced end-to-end enterprise payments solution.

ALTO operates one of Indonesia’s largest payment and acquiring networks and uses ACI for card-based transaction switching. It also operates ACI’s world-class fraud prevention solution across a range of real-time and alternative payment and merchant acquiring solutions such as QR code real-time payments—a timely and prudent enhancement, given the recent introduction of BI-FAST, Indonesia’s first national real-time payment system.

Embedding ACI Fraud Management into ALTO’s full suite of ACI payment solutions enhances and provides the network giant’s customers with greater security, reassurance and resilience, and demonstrates its commitment to ensuring its real-time payments solutions are backed by an equally best-in-class risk and fraud management infrastructure.

As Indonesia races to digitalize, the explosion of digital payments has led to a surge in the complexity of fraud detection for financial institutions. The growing diversity of payment types, soaring transaction volumes, and increasing speed means there is also a great deal more data to monitor and a lot less time to do it.

As real-time payments are new and fast, they are attractive for attackers. Fraudsters actively seek to exploit vulnerabilities in nascent digital technology and services, while the speed of payments means that they can cash out faster. The challenge is that traditional security solutions are often incapable of enforcing policies at the speed and scale of real-time payments.

“Real-time payments are radically altering the way we view and respond to cybercrime and financial fraud. And the sophistication of the threat requires a modern, proactive approach,” said Leslie Choo, managing director, Asia Pacific at ACI. “Real-time threats require real-time data, analytics, security, and response—and that’s what ACI’s solutions provide to ALTO.”

“The partnership with ACI will help ALTO navigate a complex and changing payments landscape, while simultaneously addressing the growing need for resilient domestic and global interoperability,” Choo concluded.

ACI is a strategic payments technology partner to ALTO and the implementation of ACI Fraud Management expands an already long-term and trusted relationship between the two organizations.

The partnership helps ALTO address burgeoning regulatory requirements, capture growth in alternative payments and respond to future developments of the BI-FAST national payment gateway within the Indonesian market. The addition of real-time security means ALTO is also further safeguarding its operations and customers’ data.

“Staying real and relevant is our primary concern, given the complexity and speed of change in payments,” said Patricco Baron, Chief of Product and Innovation Officer, (CPIO), ALTO. “Cybersecurity remains an ongoing investment and evolution for us as we look to futureproof our business with the latest and best-in-class solutions to keep us and our customers protected. Together with ACI, we aim to ensure our customers remain in the safest of hands.”

Real-time rails are a central pillar of Asia’s larger modernization initiatives within banks and central infrastructures. ALTO’s move is yet another initiative in Indonesia to bring real-time payments mainstream following the recent launch of BI-Fast.

Indonesia is the latest in a series of Southeast Asian countries to upgrade its national payments infrastructure to drive digital economies and accelerate growth. As legacy payment systems continue to impede mature market innovation, the region’s countries are leapfrogging increasingly outdated technology and leveraging strong domestic central infrastructure as the foundation for real-time digital and cross-border payments.

About ACI Worldwide

ACI Worldwide is a global leader in mission-critical, real-time payments software. Our proven, secure and scalable software solutions enable leading corporations, fintechs and financial disruptors to process and manage digital payments, power omni-commerce payments, present and process bill payments, and manage fraud and risk. We combine our global footprint with a local presence to drive the real-time digital transformation of payments and commerce.

About ALTO

Founded in 1994, PT. ALTO Network (ALTO) is Indonesia’s leading provider of end-to-end bank switching and digital payment solutions. Licensed by Bank Indonesia as the institution that implements the National Payment Gateway (GPN), ALTO’s business has grown from shared ATM Network, to the provision of digital end-to-end solutions with extensive domestic ATM network, GPN’s debit transaction processing services, real-time payment disbursement, cross-border remittance transactions, QR code payment system, card-not-present transactions, and other value-added services.

ALTO is currently servicing 40+ issuing and acquiring major banks and major non-banks, handling over 25 million transactions per month with a connection to 100,000+ automated teller machines (ATMs) and 1,000,000+ electronic data capture (EDC) machines across Indonesia. For more information, visit

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ACI, ACI Worldwide, ACI Payments, Inc., ACI Pay, Speedpay and all ACI product/solution 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. ACI, ACI Worldwide, ACI Payments, Inc., ACI Pay, Speedpay and all ACI product/solution 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.


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