Customer stories

Moneytree K.K.

Moneytree K.K. (US)

Using API management to simplify a financial services ecosystem

Using IBM Bluemix platform and IBM API Connect software Moneytree created an API-based ecosystem serving multiple verticals, offering customers one-stop access to specialized financial services providers.

RBL Bank Ltd.

RBL Bank Ltd. (US)

Creating an API economy to compete with larger banks

The bank created a solution based on IBM API Connect software and an IBM DataPower Gateway appliance. It relies on microservices, which will help the bank expand its use of application programming interfaces (APIs) in the future to include solutions for retail customers. This adds to existing retail apps that the bank built using the IBM MobileFirst platform.



Building an API ecosystem to enhance service and expand market reach

The bank leverages IBM API Connect software to create a framework for its own business ecosystem and drive its digital strategy, securely and transparently connecting customers with merchants via YES BANK APIs.

Johan van Hall, Chief Operating Officer ABN AMRO


ABN AMRO partners with IBM to address rising demand

ABN AMRO invests in cloud technology, analytics, cognitive computing, and mobile technologies, and infuses more flexibility, agility, and speed into the organization to stand against the constant influx of industry newcomers.

PHILIP KALLANDER, Chief Technical Architect for Data Warehouse and Analytics Handelsbanken

Case Study: Handelsbanken Bank

Handelsbanken Bank accelerates insight into big data to mitigate risk and support regulatory compliance

Handelsbanken Bank anticipated risk reporting changes that would create some big data challenges. IBM helped to create a series of solutions that improved performance by 25x through the analysis of increasing volumes of commercial and investment data from almost every system in the bank.

Charaka Kithulegoda, Chief Information Officer Tangerine

CASE STUDY: Tangerine

Tangerine uses IBM technologies to enhance their mobile experience

Tangerine enhances their mobile experience, increases speed of development, and improves the customer experience, amid the rapid growth of mobile banking.


Competing in the API economy

Innovation in the API economy: Adopting new business models to drive future innovation
Competing in the API economy: How to unlock value with new business models and winning experiences

Study highlights

55% of chemicals and petroleum executives surveyed say industries are converging and being reshaped

55% of chemicals and petroleum executives plan to pursue strategies exploiting synergies with other organizations

51% of chemicals and petroleum executives tell us traditional business models are not sustainable

An engaging API Experience - Brings together branding, design-thinking principles  and a community of champions -

A clear API promotion strategy integrates digital presence, event participation and influencer engagement -

A successful pattern for API branding incorporates consistency, clarity and constancy -

Meet our Banking experts

Likhit Wagle

Chitra Dorai

IBM Fellow, VP, CTO Cognitive Services

Alberto Jimenez

Alberto Jimenez

IBM Mobile Payments Leader

Saket Sinha

Saket Sinha

Vice President, Global Banking & Financial Markets

Likhit Wagle is a Partner and the Global Banking and Financial Markets Leader for IBM Global Business Services. He helps C level executives in many of the FTSE-100 and Fortune 500 companies deliver value to their customers and shareholders. Likhit is a thought leader in the banking industry with over 15 years of experience in strategic consulting with notable knowledge in corporate finance, value based management and mergers and acquisitions. Likhit has extensive experience in leading complex transformational engagements, including the development and implementation of value creation strategies, new business models, performance management, organisational change, and decision support systems. Likhit’s previous roles in IBM’s Global Business Services include, Banking Industry Leader in North East Europe, leader in Europe for Value Creation and leader in Strategy and Change practice. Before joining IBM, Likhit led the M&A practice at PWC.

Mr. Saket Sinha is a Global Director for banking transformation solutions at IBM and responsible for providing thought leadership, critical insights, client advisory support services to both banking and financial market clients. Mr. Sinha has over 20 years of banking industry experience in helping clients develop business and technology strategies while embarking on transformational agendas. Mr. Sinha has helped financial institutions improve their financial performances, business-IT alignment and organizational effectiveness in delivering shareholder value. Mr. Sinha specializes in helping banks transform to next generation banking solutions involving analytic, legacy modernization, channel digitization and revamped architecture. Mr. Sinha is currently working with many top tier global banks advising them on their transformation, innovation, customer experience management, enterprise synergies, global operating model development and related operational and technology execution for superior results.

Krishnan is an innovative business and IT leader with proven track record in driving large scale transformation at some of the top global banks. His is known for leveraging new and innovating technologies in aligning Enterprise IT strategy with business's strategic intent. Krishnan's career spans several industry verticals, but his depth is in the banking industry in the areas of Front office Transformation (Mobile & Multi-Channel Integration) and the complex Core Banking Transformation. His global clientele stretch across Africa, Asia, Europe, North America and Growth Market countries. In his role as CTO for IBM’s Banking and Financial Markets Global CoC, he collaborates with the broader IBM business units on the industry’s technical strategy. As a chief architect he has led a number of large and complex Enterprise level systems integration work including a very large Mobile Payments program delivering basic financial services on a mobile platform to the un-banked population in developing markets.

Banking Solutions

Explore our industry-leading solutions for your banking organization.

Front Office

Keep up with your consumers in a technology and data driven world.

Core Banking

Stay competitive with new technologies and solutions to make your business agile and more efficient.

Payments and Transactions

Deliver new capabilities quickly and cost effectively, so you can respond to the rapidly changing marketplace and threats from new competitors.

Risk Management

Standaridze and modernize transaction processing to reduce complexity and cost.

Front Office

Front Office

Core Banking

Core Banking

Payments and Transactions

Payments and Transactions

Risk Management

Risk Management

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