Europe's Largest Net Income Bank Selects ACI's Flagship Fraud Management

(Omaha, Neb. -- February 17, 2004) - ACI Worldwide (Nasdaq: TSAI), a leading international provider of enterprise e-payment solutions, today announced the licensing of ACI Proactive Risk Manager(tm) for debit card fraud detection to BNP Paribas, Europe's largest bank in terms of net income. BNP Paribas will use ACI Proactive Risk Manager to minimize its exposure to risk by identifying fraudulent activity much more quickly and therefore greatly reducing potential losses. The bank will also improve customer services across its operations by offering the reassurance of tighter risk controls.

In response to rising levels of card fraud in France, BNP Paribas sought an
automated fraud detection solution to improve the rate and speed of identifying fraudulent activity. The bank selected ACI software because of its integrated features, proven track record in other European banks, ease of use, and the flexibility to adapt to BNP Paribas' changing needs as the bank strives for enterprise wide risk management.

"We were very clear about our fraud detection needs and the tight timescales
we wanted to meet, and ACI Worldwide responded positively to our requests,"
said Emmanuelle Fenard, Card Marketing Head at BNP Paribas. "The increasing
rate of card fraud is a major concern for us as we strive to continually deliver superior levels of customer service. By integrating ACI software with our existing banking systems, we are able to provide a better fraud management service and improved efficiencies which will impact customers positively."

ACI Proactive Risk Manager combines the pattern recognition capability of neural-network transaction scoring with custom risk models of expert rules-based strategies and advanced client/server account management software. BNP Paribas' fraud risk management team will be able to monitor all debit card transactions for fraudulent activity from one easy interface.

"Using ACI Proactive Risk Manager, BNP Paribas can reduce costs and strike the optimal balance between risk management and customer service," said Richard Launder, Managing Director, ACI Worldwide (EMEA). "Meeting the bank's expectations was an exciting challenge for us, and strategically, this is a very important win for ACI Worldwide as we continue to expand our presence in the French and European banking market."

For more information contact:
Jim Maxwell
ACI Worldwide
+1 402.390.8906

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