Disruption is here to stay

Financial institutions face uncertainty and new competition. Security threats are increasing in frequency and sophistication. Regulatory compliance costs are growing, and customers are demanding highly personalized experiences.

Deliver personalized experiences

The challenge

Banks are expected to deliver products, services and experiences when and where customers want them. Customers expect these highly personalized experiences to be seamless across all channels and available at all times.

62%

62% of banks don’t deliver effective personalization. (1)

72%

72% of bank CXOs expect more emphasis on customer experience. (2)

The solution

Harness the power of your enterprise data. Machine learning on IBM Z captures and learns in real-time from your vast stores of customer data. This enables you to create the highly personalized experiences your customers expect.

Innovate

The challenge

Digital disruption is creating new opportunities and threats. Slow growth, economic uncertainty and new competitors are putting pressure on banks to lower costs and quickly deliver new products and services.

55%

Over 55% of all enterprise application transactions run on Z. (3)

25%

IBM Z accelerates application development time by 25%.

The solution

To meet cost and innovation demands, banks must transform their processes and infrastructure. IBM Z offers a DevOps framework that empowers innovation and accelerates application development by 25% on a platform that supports 30 billion transactions a day at 99.999% availability.

Invest in blockchain

The challenge

Transformation is a way of life for the banking industry. To thrive, banks must move quickly and deliver personalization in an expanding ecosystem. More secure and streamlined trade processes, frictionless digital identity interactions and faster, lower-cost payments are top of mind for banks across the globe.

91%

91% of banks are investing in blockchain technologies. (4)

80%

80% of the world’s structured enterprise data resides on the mainframe. (5)

The solution
Blockchain can help your bank meet its mandate for secure, frictionless, low-cost payment processing. With blockchain on Z you can integrate your blockchain processes into core mainframe processing systems for added security and efficiency.

Protect data

The challenge
Customer trust is everything. Nothing destroys trust like a data breach: 78% of customers would not return automatically to a business after one. (6) Banks are a popular target for cyberattacks. How do you maintain impenetrable security without compromising on customer experience?

65%

FSS received more cyber-crime attacks that the average. (7)

8x

Z can resist security threats up to 8x more effectively than other platforms.(8)

The solution

Pervasive encryption on IBM Z keeps your bank’s data safe and your bottom line healthy. This is the only solution that encrypts all application, database and cloud data – whether at rest or in flight, and without requiring application or SLA changes. And it does so at 5% of the cost of inferior solutions.

Hear from customers

“The star that steals the show... is the pervasive encryption. That is the silver bullet that will revolutionize the industry.”

— Tom Connolly, Managing Director, Bank of New York Mellon

See how IBM Z can help your bank’s digital transformation

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