ACI Worldwide, Inc. (ACIW)

Payments software with a bill payment processing business. Read November 9, 2026 from the annual report for the period ending December 31, 2025, filed February 26, 2026. Ranked 20 of the 238 Technology companies read so far, by the share within reach now.

The filing states 2,930 employees worldwide at December 31, 2025 by region and nothing by business; its licensed and hosted payments software leads at software publishers and the Bill Payments processing service, 34% of revenue, takes the transaction processing group by description.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 53% now, 67% at the end of 2027, 71% at the end of 2028, 72% at the end of 2030. By the patterns, the work is about 72% desk work, 23% people work and 5% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 28% of the working time stays with people (conversation, in-person and hands-on work), 62% becomes checking a model's work and 8% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

2,930 employees as of December 31, 2025 (stated). Not stated as a U.S. figure: 1,335 of 2,930 in the Americas, 819 in EMEA and 776 in Asia Pacific, in over 40 countries.

The filing: “As of December 31, 2025, we had 2,930 employees worldwide, with 1,335 employees in the Americas, 819 employees in EMEA, and 776 employees in Asia Pacific.”

The workforce as industry patterns

What the filing says about the workforce: 2,930 employees worldwide at December 31, 2025 in over 40 countries: 1,335 in the Americas, 819 in EMEA and 776 in Asia Pacific; 37% women; voluntary regrettable turnover 5% in 2025; headcount down from 3,103 a year earlier.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Software Publishers, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.

• Microsoft (MSFT, 223,000 employees)51% now, 73% by 2028
• Oracle (ORCL, 141,000 employees)51% now, 73% by 2028
• Salesforce, Inc. (CRM, 83,334 employees)51% now, 73% by 2028
• Uber Technologies, Inc. (UBER, 34,000 employees)52% now, 71% by 2028
• DoorDash, Inc. (DASH, 31,400 employees)52% now, 71% by 2028
• Adobe Inc. (ADBE, 31,360 employees)51% now, 73% by 2028
• ServiceNow, Inc. (NOW, 29,187 employees)51% now, 73% by 2028
• Synopsys, Inc. (SNPS, 28,000 employees)51% now, 73% by 2028

What the filing says about AI

37 sentences in the filing name AI. The filing describes its fraud protection and payments orchestration as built on its artificial intelligence, human and data expertise, offered to banks, merchants and billers through a single API.

• “We offer these customers scalable solutions that strategically position them to innovate and achieve growth and cost efficiency, while protecting them against fraud with our artificial intelligence or AI, human, and data expertise.”
• “Leveraging the vast choice of integrations through a single application programming interface ("API") and ACI's proven AI, human, and data capabilities, merchant customers can orchestrate and protect payments and maximize convergence while reducing risk and operational costs.”
• “We also provide advanced fraud protection services to our biller customers, leveraging our proven AI, human, and data analytics capabilities.”
• “Payments Intelligence and Risk Management ACI's payments intelligence framework secures banks, merchants, and billers through AI network intelligence.”
• “ACI Fraud Management ™ for merchants and billers provides a combination of patented AI technology, referred to as incremental machine learning models, fraud and payments data, predictive and behavioral analytics, positive profiling, customizable fraud strategies, expert support, and consortium data to mitigate risks and reduce the burden of compliance, delivered as a multi-tenant platform, depl...”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20213median 0
• Fiscal 20223median 0
• Fiscal 20233median 1
• Fiscal 202433median 4
• Fiscal 202537median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The filing counts employees by region and nothing by business, so the split between software and bill payment processing follows the revenue lines by description (c).
• The U.S. share is not stated; the Americas hold 1,335 of 2,930.

Source: the company's annual report on EDGAR, accession 0000935036-26-000011, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.