Mobile banking and payments solutions
Enabling transactions on the go
A mobile banking and payments solution can help you capitalize on the shift and growth of mobile-payments users and accelerate customer adoption. You need a low-cost platform that can handle high volumes of transactions and requires minimal up-front capital expenditures. You also need a trusted platform that can deal effectively with the multiple stakeholders involved in the mobile commerce ecosystem. Further, you want to reduce operational risk and improve responsiveness to changing customer and regulatory requirements.
Extending the value
Mobile banking and payments solutions from IBM can provide a comprehensive platform to help enable banks, retailers and communications service providers to find new revenue sources. Leveraging cloud technology, we help enable faster, less expensive, safer and more accessible mobile banking and payments services. Our broad, interoperable mobile payments solution can help reduce operational costs and better align your income from mobile transactions with operating costs. A robust, security-rich platform can handle high volumes of transactions, enhance responsiveness and help enable distribution networks through a shared infrastructure.
Helping you monetize mobile transactions
Our mobile money solutions enable you to leverage new business opportunities from the rapidly growing pool of mobile users. Our solutions can help you deliver a compelling mobile money service through the ability to:
- Enable new revenue sources while helping to reduce up-front costs with a trusted platform for transactions
- Allow cross-industry interoperability and collaboration through Mobile Money Cloud and Trusted Service Manager platforms
- Facilitate responsiveness to changing market and regulatory demands through cloud delivery and analytics
Helping reduce cost and complexity
Whether you are in a mature market or an emerging market, we can help you provide a safer, more accessible mobile commerce experience for your customers. At the same time, our solutions provide you with a comprehensive platform designed to hide complexity and lower your operational risks. We offer:
- A Trusted Service Manager for developed markets—to help orchestrate multiple stakeholders managing identity, personal data and product life cycles
- A Mobile Money Cloud for emerging markets—for end-to-end transaction fulfillment to help enable the replacement of cash transactions using a mobile device and facilitate value-added services like transaction flagging for fraud detection
- Extensive data analytics capabilities—to help you detect fraud on the network and better manage your compliance requirements. In addition, you can gain greater insight to customer behavior to help improve your responsiveness to their demands while building trust and adoption
- Comprehensive services—from strategy definition to building, implementation and solution delivery
- IBM Research technology and expertise in the field of data analytics, cloud computing and authentication (biometrics) — to help further monetize mobile commerce
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