In financial services, every transaction is an opportunity to deliver excellence—
to process payments instantly and reliably,
to identify and block fraud before it impacts clients,
and to meet regulatory requirements without disrupting the customer journey.
Financial institutions running IBM Z already trust the platform to handle their most critical workloads.
Which is why I am I’m very excited about our extended collaboration with ACI Worldwide that was highlighted in the recent LinkedIn post by Scotty Perkins, Executive Vice President at ACI worldwide, announcing that two of ACI’s flagship solutions will be running as native 64-bit applications on IBM Z.
Available in late 2025, ACI’s Base24-eps and PRM will offer full support for Z. Upcoming releases will include support for IBM’s latest z17 platform and the Telum II processor, with enhanced AI integration and advanced security and resiliency features. Base24-eps is also PCI-SSF certified for PCI 4.0, continuing its trusted and secure heritage.
Created through close collaboration between ACI and IBM, these solutions give Z customers in the financial industry a clear path to modern payments and the ability to embed AI driven fraud prevention directly into transaction flows.
The Payments Revolution: BASE24-eps Finds Its Home
BASE24-eps represents a fundamental evolution in payments architecture. Built in C++ and Java with service-oriented design, it processes everything from ATM transactions to instant mobile payments while supporting new payment types and flexible deployments.
The real breakthrough isn't just technical — it's strategic. BASE24-eps is engineered to run alongside core banking systems on IBM Z, enabling institutions to eliminate the platform crossings that create delays, vulnerabilities, and operational complexity.
For Z customers running BASE24 Classic on standalone, dedicated servers, this certification offers a proven modernization path — one that unifies payments and core banking on the same secure, high performance platform.
Hear firsthand, Rabobank's experience with IBM Z and ACI in this IBM Z Day SE replay
The AI Awakening: PRM Transforms Fraud Detection
Traditional fraud prevention can force a painful trade-off: speed versus accuracy. Faster decisions mean more false positives that frustrate customers. More thorough analysis takes longer, creating windows for fraud to succeed. PRM on Linux on Z eliminates that trade-off entirely.
The AI models, trained on billions of global transactions from ACI's network, can score fraud risk in milliseconds while running within the same secure IBM Z environment as payments processing.
Revolutionizing Financial Architecture: Integration and Efficiency
The financial industry is at a critical juncture. Institutions can now consolidate payments and fraud prevention on IBM Z, positioning themselves for faster response to new payment types, lower operational risk, and a competitive advantage in real-time payment markets.
By integrating BASE24-eps and PRM on IBM Z, institutions can eliminate platform silos, accelerate transaction processing, enhance fraud detection, and reduce operational costs. This modernized architecture enables:
- Rapid response to emerging payment types and fraud threats
- Competitive edge in real-time payment markets
- Enhanced compliance with evolving regulations
These latest announcements provide a clear path to this architectural modernization, allowing IBM Z customers to simplify their systems, reduce complexity, and improve efficiency.
Join the Conversation
How is your organization approaching payments transformation? Are you exploring platform consolidation? Have you considered the impact of integrated, AI driven fraud prevention?
Share your experiences in the IBM Z Community — because in an industry processing trillions of dollars daily, every insight matters.
The future of secure, efficient, intelligent transaction processing is being built on IBM Z.
How will your institution help shape it?