These two serve growing markets

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ACI WORLDWIDE $28.35 (Nasdaq symbol ACIW; TSINetwork Rating: Speculative) (402-334-5101; www.tsainc.com; Shares outstanding: 34.3 million; Market cap: $972.4 million; No dividends paid) makes software that is used to process transactions involving credit cards, debit cards, automated teller machines, point-of-sale terminals and interbank payments. ACI has just bought S1 Corp. for $540 million in cash and stock. S1 sells transaction software for banks, credit unions, retailers and other processors. The company has over 3,000 clients worldwide. In the three months ended June 30, 2011, ACI’s revenue rose 22.7%, to $113.4 million from $92.4 million a year earlier. The company earned $9.8 million, or $0.29 a share, compared to a loss of $150,000, or nil per share. ACI holds cash of $170.8 million, or $4.98 a share. ACI spends a high 21% of its revenue on research (including $23.8 million in the latest quarter). That will let it keep offering the most advanced transaction-processing software. It is also in a good position to profit as…