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The future of banking is here

Generative AI is accelerating rapidly and the potential for enterprise is clear. However, harnessing AI in an industry as complex as financial services requires a mature approach and thoughtful framework to mitigate risk and exposure. AI will change how the financial services industry can help customers, build and optimize efficiency and secure data. But there are important considerations to unpack.

IBM® has led innovation in the financial services industry for more than 100 years, providing technology solutions that allow financial services providers to gain a competitive advantage. It has partnered with more than 90 of the world’s largest banks and wealth management providers, helping them streamline their business processes and making their workflows easier. Our hybrid cloud and AI capabilities help banks transition to new operating models, embrace digitalization and smart automation and achieve continued profitability in a new era of commercial and retail banking.


Embedded banking

As exponential technologies drive back-office efficiencies and financial institutions confront disruption from non-traditional players, banks can expand into a more meaningful role in their client’s daily lives.

Read the report "Embedded finance: Creating the everywhere, everyday bank"


An AI augmented workforce extends the productivity of your bank’s staff to drive results AI: the future of work
Reimagine experience

Banking customers now expect a personalized, seamless and real time banking experience. Deliver consistent and intelligent customer care with cutting-edge conversational AI.


Providing full transparency and accountability for environmental, social and governance (ESG) factors is a necessity for banks and their customers. Meet responsibility goals by simplifying the collection, reporting and actions of your ESG data.

Hybrid Cloud

Banks must generate new levels of efficiency in their banking services while increasing capacity and productivity. This becomes possible with banking technology solutions such as application resource management on a hybrid cloud.


Modern banking systems, such as digital banking, need to have immediate access to vital data while ensuring it remains secure. A cloud-based storage that improves resiliency, response, data management and operational efficiency is critical.


An evolving competitive landscape, new security threats and changing regulatory requirements demand a shift to open banking and modernized systems.


Endpoint device software that helps assess risk, detect fraud, establish identity, authenticate users and protect against malicious attempts across all channels.

Case studies Crédit Mutuel

Expert service, 60% faster. Crédit Mutuel is building upon its strength in customer service expertise with IBM Watson.


See how NatWest reimagined a personalized customer experience.


ABN AMRO advances its digital transformation with virtual agents.

Insights 2023 Threat Intelligence Index

The IBM Security® X-Force® Threat Intelligence Index 2023 helps CISOs, security teams and business leaders stay ahead of cyberattacks.

Learn more
Modernizing with Impact

Companies that adopt fit for purpose as the primary goal of their hybrid cloud computing approach are redefining what modernization looks like, allowing them to innovate and scale faster.

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Generative AI is transforming banks

Watch this video where John Duigenan, GM of Financial Services, discusses key AI use cases, the importance of open and hybrid platforms, the role of generative AI in application modernization and essential considerations for financial executives embracing AI.

Watch the video
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