New benchmark study from ACI Worldwide and Ovum reveals both real-time payments and open banking as major competitive differentiators in the future of banking. As open banking continues its rapid ascent, nearly 90 percent (87) of banks globally plan to move forward with open APIs, according to new benchmark data, “2018 Global Payments Insight Survey: Retail Banking,” from ACI Worldwide (NASDAQ: ACIW) and Ovum.