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Smarter Money

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

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Featured case studies

At work in a sandbox
A Canadian bank turned to IBM analytics to discover how changes in a loyalty program would affect customers and costs.

‘What if…’ to the rescue
SNS Bank wanted to grow while becoming the best self-service bank in the Netherlands. Key to its success is a multichannel marketing solution that uses predictive analysis to track customers’ behavior, foresee what they might want next and serve up personalized dynamic content.

Finding fraud—even faster
MoneyGram International has thwarted millions of dollars in fraudulent activity through its Global Compliance system based on IBM solutions.

Personalized offers through any channel
European banking and financial services firm BNP Paribas is able to automatically adjust product offers and fees based on customers’ profiles and delivers customized services on demand.

Efficiency helps combat money laundering
Responding to new regulation, Bancolombia improved its suspicious transaction reporting by 40 percent and saved nearly 80 percent on staffing with predictive modeling software solutions from IBM.


Visa Europe market demands On demand
The IBM solution at the heart of Visa Europe’s new clearing and settlement system platform provides a more flexible solution and faster time-to-market for new products and services.


First Tennessee banks on people
Business analytics software helps bank employees get the right products to the right customers at the right time.

Transforming mobile

Transforming mobile banking in South Africa
FNB wanted to launch a reliable, secure and highly responsive mobile channel before its competitors. See how they did it.