ACI Worldwide, Inc. (ACI) develops, markets, installs and supports a line of software products and services primarily focused on facilitating electronic payments. In addition to its own products, ACI distributes, or acts as a sales agent for, software developed by third parties. These products and services are used principally by financial institutions, retailers and electronic payment processors, both in domestic and international markets. Its products are sold and supported through distribution networks covering three geographic regions, the Americas, Europe/Middle East/Africa (EMEA) and Asia/Pacific. Each distribution network has its own sales force that it supplements with independent reseller and/ordistributor networks. Its products are marketed under the ACI Worldwide and ACI Payment Systems brands.Its products address three primary market segments: Retail banking, Wholesale banking Retailers.