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Smarter Money

Ones and zeroes can help the world be smarter about dollars and cents

Solutions for more instrumented, interconnected and intelligent systems

Account opening for banking

Transform your account opening process by offering an exciting customer experience built around customer information and insight delivered through a continuous, multichannel experience. Generate higher revenues while reducing your account opening costs. IBM can help.

Anti-money laundering investigations, alert modeling and analytics

IBM offers an intelligent way to outsource selected financial crimes prevention activities to support your in-house anti-money laundering operations. Our solution allows you to access a single, comprehensive, near real-time repository of resolved and related identities and networks of associates.

Bank fraud, money laundering and financial crime prevention

A range of services that can add financial crime prevention capabilities to your operational environment to help you preemptively manage fraud and money laundering threats and take a holistic approach to detecting and preventing financial crimes.

Cloud computing for financial services

Cloud computing provides a platform for optimizing financial services operations while creating and delivering the kind of innovative services that differentiate and propel your business forward. It is agility that will be the lifeblood of successful financial enterprises going forward, and cloud computing is one way of gaining that agility.

Compliance information lifecycle management solution for financial services

Compliance guidelines are growing in numbers and complexity. Financial institutions must manage both structured and unstructured information from its genesis through classification and archiving, while meeting strict regulations. IBM can help you find the right middle ground between keeping too little and too much data.

Core banking application modernization

Banks in today's economy have realized the need to be more customer-centric. To achieve this, a simpler, more strategic core infrastructure is needed. Core banking application modernization from IBM offers a smarter approach: transition to modern applications in stages with near-term payback, and less risk and disruption.

Core systems transformation for banking

Significant forces are disrupting the banking landscape: increasing regulation, new technologies, competition from non-traditional players, and mergers and divestitures are just a few. Transforming your core systems can help you grow revenue, increase efficiency, improve resiliency and reduce risk in today's market.

Corporate payments solutions for banks and financial markets

An integrated approach for a progressive, managed transformation of your corporate payments and securities processing infrastructure to help achieve cost control, accelerate compliance, improve risk management and support revenue growth.

Credit analytics for financial services

There is risk—and then there is smart risk. IBM can help banks become smarter about risk, understand industry-wide impacts, generate more revenue, build meaningful relationships and make more accurate lending decisions.

Customer information solutions for banking

IBM provides the customer information solution for banking to deliver a consistent cross-channel customer experience by integrating data and analytics, cross-channels and lines of business, and optimizing information management. You can drive organic growth, profitability and combat fraud by leveraging predictive analytics.

Customer insight solutions for banking

In the competitive financial services industry, banks need to understand customers in new ways to optimize their experience, improve retention and drive profitable growth. Customer insight solutions from IBM can help banks achieve these goals by using smart analytics to turn data into insights and monitor performance.

Customer interaction solutions for banking

Delivering what banking customers want, when, where and how they want it, is no easy task. Customer interaction solutions from IBM allow banks to seamlessly link data from all channels with customer relationship management systems and business processes to provide an outstanding experience to customers at all times.

IBM Business Analytics for banking

The path to stronger performance requires smarter software and systems. Learn how IBM® Business Analytics are helping banks operate more efficiently and gain deeper insight into markets, operations, risk and customer relationships.

IBM Scalable Architecture for Financial Reporting

Finance transformation starts with systems transformation. IBM offers an effective framework to help you manage millions of individual customer and contract ledger entries—each described by hundreds of required attributes—for today's financial reporting.

IT security infrastructure solutions

Do you have the processes and technologies in place to safeguard your systems, applications and information? IT security infrastructure solutions from IBM can help you manage risk across your extended enterprise, improving your service and reducing the cost of creating security without compromise.

Mobile banking and payments solutions

Leverage cloud technology to enable faster, less expensive, safer and more accessible mobile banking and payments services. Our highly interoperable cloud solution can improve collaboration while helping to lower operational costs. Our security-rich platform also facilitates responsiveness to market and regulatory demands.

Operational risk management for financial services

Transform, optimize and adapt your approach to risk management. Enable compliance. Improve your reputation. Maintain flexible, resilient systems. Our portfolio of operational risk management solutions can effectively support your institution's processes and systems to manage and control risk and turn it to your advantage.

Stream computing for financial services

Intelligence is insight waiting to happen. Stream computing delivers real-time value for smarter decision making.



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