After initial widespread AI experimentation, financial institutions are prioritizing business impact. Tools and techniques for increasing AI productivity, supported by a hybrid cloud strategy and process automation, enable companies to:
- Overcome skill shortages with accelerated code development
- Reduce operational downtime
- Oversee risk management and compliance
- Drive digital transformation
- Enhance customer experience
- Accelerate application modernization
- Reshape onboarding and employee experience
- Boost efficiency in business processes
IBM has led innovation in the financial services industry for more than 100 years and is a trusted partner to more than 90 of the world’s largest banks.
IBM Consulting provides advisory, strategy, implementation and outsourcing services. Financial services capabilities include core banking modernization, payments transformation, ISV-enabled banking, intelligent business operations, risk management, regulatory compliance, and cyber security.
IBM Technology provides software and systems to clients in collaboration with the cloud service providers, ISVs, and systems integrators. Our technology portfolio spans data, AI, automation, security, cloud computing tools, and on-premises systems.
Use cases
See some of the real-world applications for AI in banking
Build, integrate and manage systems of powerful AI agents and assistants to augment key roles, workflows and operations.
Transform banking customer service with IBM AI, deliver improved experience, increased revenues and lower costs. Build and deploy AI assistants and AI agents that understand complex customer queries, enable customer self-service, support human agents and scale conversational AI across all channels and touchpoints. Our AI-powered solutions enable improved customer interactions, hyper-personalized content, and seamless omnichannel engagement. Elevate your bank's customer service with IBM's proven AI capabilities.
Unlock the full potential of your data, overcome data silos and seamlessly integrate disparate sources, locations, and formats. You can customize integrations to align with banking use cases. Our approach empowers you to:
- Streamline data integration and sharing
- Ensure data quality and governance
- Gain visibility into how your data is used
Re-imagine and modernize HR with AI Agents and Assistants at the core to deliver better business outcomes and unlock employee and work potential. Address evolving expectations and skills gaps with agility and transform HR to balance strategy and execution, driving transformation initiatives. IBM's solutions for HR integrate workforce dynamics into broader transformations, leveraging AI for business value, talent advancement, and digital acceleration. Our industry expertise helps address unique talent goals, unlocking new levels of workforce performance and productivity.
In the financial services sector, end-to-end observability is essential for efficient, resilient IT operations.
The challenge: today’s IT landscape is drowning in complexity, with thousands of applications and perhaps tens of thousands of integrations. The result has been operational silos, outages, and economic waste. Add to this the regulatory scrutiny applied to banking IT...and the need for tools that move at the speed of AI becomes clear.
IBM's intelligent automation helps your team correlate and visualize signals, discover hidden trends, anticipate incidents and automate technology lifecycle management. We empower you to boost the IT productivity a source of competitive advantage.
Improve financial performance with AI, from planning through to record-to-report, for optimal productivity and innovation. Use generative AI solutions that automate critical workflows and processes, helping your teams drive ROI and sustainable business growth.
Banking solutions and financial products
Easily create personalized generative AI-powered assistants and agents to automate and accelerate your work
Automate your complex workflows with AI agents and assistants
Put your data to work, wherever it resides, with the hybrid, open data lakehouse for AI and analytics
Harness the power of AI and automation to proactively solve issues across the application stack
Modernize core banking and payments and build resilient digital foundations that endure disruption
For visionaries who imagine more out of their data, we can unlock the value of your data so you can take advantage of your investments into AI
Creating a secure and innovative online banking experience using IBM® Z™ and IBM® Storage™ systems
Expert service, 60% faster: Building upon Crédit Mutuel's strength in customer service with IBM Watson
Reimagining a personalized, digital experience in banking to boost customer satisfaction.
Using AI to identify potential high-growth stocks
Charting a path to meet sustainability goals using Envizi ESG Suite’s reporting data governance and workflow tools
Implementing a SaaS analytical solution to better manage IT expenses