Invest in customer relationships

Today’s banking customers often do their banking through digital channels, either with the bank or with a financial technology provider. IBM Commerce Solutions can help you restore and grow your digital relationships with new ways to understand and engage your customers on deeply personal levels. Show customers how much they matter by sustaining a relevant, fluid and secure conversation across all channels, at every point of engagement.


“We’re using deeper, more personalized insights into our customers’ needs to shape every aspect of how we interact with them.”

See how Banorte focused on customer needs to generate a projected bottom-line benefit of USD200 million in the first 24 months.


“That gives us the ability to put personalized offers on our homepage when the customer arrives.”

See how ING deployed customer differentiation and personalization to achieve 3X more campaign responses while reducing marketing costs by 35 percent.

Dollar Bank

“IBM Tealeaf is a unique technology that helps us provide a high level of service to our customers. It is instrumental to the success of our business.”

See how IBM Commerce solutions helped Dollar Bank see through the eyes of the customer, improving the online experience and increasing first-call resolutions.


“Our IBM B2B integration platform is helping us to drive our outsourcing strategy, focus on core banking competencies and ultimately deliver higher-quality services…”

See how IBM Commerce B2B Integration solutions help Rabobank onboard new trading partners easily, helping grow its EDI connections by 400 percent in three years.


“We are able to onboard clients within days because our business unit employees are serving our customers directly.”

See how IBM Commerce solutions helped ScotiaBank create an integrated payments service expedited to deliver faster, better service at lower costs.

IBM Commerce solutions portfolio for banking


Digital Marketing

I want to quickly design and automate consistent digital customer experiences.

Lead management

I want to capture, qualify and nurture leads.

Customer experience analytics

I want to understand the what, why and how of my customers’ behaviors.

Journey design

I want to collaborate across my team to design and improve customer experiences.

Omni-channel marketing

I want to acquire and grow customer relationships online and offline.

Real-time personalization

I want to dynamically serve up relevant content, offers and recommendations.

Customer analytics

Customer experience analytics

I want to understand the what, why and how of my customers’ behaviors.

Social analytics

I want to capture and analyze social media opinions and trends about my business.

Predictive analytics

I want to anticipate customer needs and prepare in advance to meet them.

E-Commerce & Merchandising

B2C Commerce

I want to engage seamlessly across all channels for a better customer experience.

B2B Commerce

I want to deliver a unique brand experience that makes selling effortless.

Omni-channel merchandising

I want better customer insights to maximize sales, profits and loyalty.


Enterprise source to pay

I want to optimize the value chain to reduce costs and drive revenue growth.

Enterprise contract management

I want to ensure compliance, control risk and maximize financial performance.


Commercial payments

I want real-time transactions for commercial payments.

Retail payments

I want superior payment experiences for customers quickly and easily.

B2B Integration

B2B integration

I want to securely execute B2B processes with my global business community.

Managed file transfer

I want to make sure my data exchanges are fast, reliable and secure.