John Lewis & Partners partnered with ACI Worldwide to redesign the payment experience for in-store and online shopping.
Technology used: ACI Fraud Management, an ML-powered decision engine, distinguishes real customers from fraudulent attempts and automates approval. The system is channel-agnostic and stable under high transaction volumes.
Difference from traditional systems: Traditional payments focus on “did the payment go through?” This solution answers “is this a real customer or a risky transaction?” — reducing declines and increasing acceptance rates.
Quantitative Results:
- Online transactions increased by 35%.
- In global examples, monthly ~USD 700,000 extra revenue and manual review dropped from 9% to 4.33%.
Lumintis Take:
- Reducing payment declines in Turkey translates into direct revenue and better customer experience.
- For omnichannel brands, seamless payment across online + store creates a competitive edge.
- Pre-investment KPI definition and operational integration are key.
With the right strategy, this technology is not just a payment solution — it is a tool to enhance brand value.