Modernize core banking and payments and build resilient digital foundations that endure disruption
The banking industry is being flipped upside down
Financial institutions that used to compete based on back-office efficiencies are now competing based on front-office customer experiences. IBM Financial Services Consulting helps clients respond rather than react to this inversion of the traditional financial services industry business model.
Our expertise in modernizing digital core systems for banking has helped our clients realize cost-to-income (C/I) ratio improvements greater than 14% and total cost of operations (TCO) savings averaging 20–30%. IBM Consulting® offers deep industry and technology expertise that generates outcomes critical for healthy financial performance focused on three core client imperatives—growth, efficiency and compliance.
Essential to the modernization of financial services companies, our world-class IBM Payments Center® provides end-to-end payment solutions to enable the agility, security and scalability needed in an ever-growing, partner-centric payment system.
acceleration in time to value of data-driven hybrid cloud applications¹
of customer requests addressed by a leading bank’s virtual agent and conversational AI platform
increase in net promoter score with new digital mortgage support tool and improved customer experience³
Accelerate your journey to cloud and embrace digital transformation and sustainability in banking by modernizing core systems, applications, processes and systems.
IBM Payments Center (IPC) delivers the latest cognitive and AI technologies to help global businesses drive efficiency and value in payments services. Whether you are in the asset management sector, wealth management sector, financial planning domain or engaged in investment banking, our ISO 20022 expertise can help you gain new insights from better data.
Enhance customer experiences, create new revenue streams and protect your business from cybersecurity threats. The IBM Cloud for Financial Services® accelerates the most transformative capabilities of cloud banking while ensuring security and compliance.
AI accelerators for financial services
- IBM Consulting Advantage
- IBM Payments Center
- IBM Service Bureau for SWIFT
IBM Consulting is an AI-powered delivery platform that supercharges our front office and CX consulting expertise with 200+ specialized assistants. This tool helps us accelerate solution delivery, driving profitability and business success through smarter, faster execution and higher-quality outcomes.
Handle various domestic and international payment messaging standards through a collection of unified services to track, monitor and service payment transactions.
The global financial messaging market is rapidly evolving with increasing regulatory requirements, cyberthreats and the demand for real-time payments.
IBM’s fully managed SWIFT connectivity solution provides financial institutions and corporates with a secure, compliant and cost-effective way to access the SWIFT network without the burden of infrastructure management.
With 60% of India’s population composed of thirty-five years old and younger, State Bank of India collaborated with IBM Consulting to reimagine how to deliver financial services and more. The goal was to build relationships with this important customer group.
PNC needed a flexible and agile approach to win new customers. The collaboration with IBM aimed to reimagine the ways their people, processes and technology deliver differentiated experiences and products that put customers in financial control.
Spain’s CaixaBank aims to evolve core applications, improve efficiencies and reinforce its innovative vision of financial services. “IBM has become an indispensable partner in the development of CaixaBank’s digital capabilities,” says its CEO.
Insights
Manufacturing is the top cyberattack target, with vulnerabilities across IT, operational technology and connected products often exploited.
Based on a global survey of banking leaders, new research reveals how unified cybersecurity platforms can reduce complexity, lower costs and strengthen defenses against evolving threats.
The conversation around AI and code conversion misses a critical point: transforming legacy systems requires more than rewriting code—it demands to rethink how applications work.
Banks now use AI to proactively stop threats and gain a competitive edge through intelligence‑driven security.
Meet our experts
