Solutions

Your account opening process is your institution's first contact with a potential customer. It can also be a major cost item. Duplicated efforts. Multiple systems and applications. High abandonment rates. The need for a single customer view. IBM can help you implement an easier, more cost-effective account opening process.

IBM analytics and trading solutions help financial institutions address the exploding information tsunami so traders can respond to market opportunities that fuel sustainable growth.

Basel II can help banks and financial markets firms strengthen risk management and capital allocation strategies to yield significant long-term benefits. But the high cost of compliance, combined with a lack of time, data and proper technology has been a significant challenge. IBM can help.

The inability to reach the right expert at the right time. Inefficient use of customer representatives. Inconsistent customer experiences. See how IBM and Avaya can help eliminate these frustrations through the creation of an enhanced branch communications network.

Align your IT investments with your business objectives. Minimize downtime and streamline recovery processes. Customers expect your organization to run without service interruption. Don't disappoint them. We can help with business continuity strategies and planning for high availability and recovery.

IBM clearing, settlement and depositories solutions provide a solid foundation to help financial services utilities and institutions meet today's market challenges.

Refocus your business practices. Deliver innovative products to market quickly. IBM and Fidelity have an integrated set of core banking components to meet the challenges of retail banking. Corebank provides anytime, anywhere access for your customers with up-to-date, accurate information about their accounts and services.

Can your bank quickly and accurately respond to business needs? IBM and TEMENOS have a solution designed to automate banking activities for wholesale, retail, treasury, central and private banking. We can help your institution streamline transaction processing and improve risk management activities.

Is your bank having difficulty launching new products and competing effectively in the marketplace? Are you looking to transform your core processing systems, while minimizing risk? Our solution is designed to improve your bank's functionality, enabling you to meet competitive goals with proven technology.

How fast can you get new products and services to market? What are you doing to address high customer churn? Are you able to exploit high-growth emerging markets? Are your operational processes as efficient as they could be? Retool your bank to better compete in the on demand world. Gain flexibility. Efficiency. Resilience.

Today's capital crisis, competition and commoditization mean growth and financial performance will require differentiation and innovation. To succeed, financial institutions must cut costs. Adapt to regulatory-driven change. Get new products and services to market quickly. Improve the cost-to-income ratio. IBM can help.

Declining margins and rising customer expectations demand a significant competitive banking advantage. IBM and Oracle Financial Services Software can help your bank address evolving business strategies with our comprehensive, integrated and modular core banking solution based on service oriented architecture (SOA).

Every business day, companies issue notices of events that affect their securities. Processing these corporate actions often involves manually-processed data in non-standardized format. The corporate actions solution from IBM can help provide an integrated solution for you and your clients.

CRM can deliver great value for most companies—if it's done right. Success is achieved when CRM is treated as a core business function and initiatives are framed strategically against the value they produce. Successful CRM projects set achievable goals and apply clear guidelines during implementation.

Increase customers and improve loyalty with deeper insight into their preferences. Predictive analytics and adaptable process automation can efficiently guide your banking staff through complex tasks to help increase responsiveness, reduce errors, shorten cycle times and discern relevant offers for each customer interaction.

Recognize each customer's lifetime value—and tailor services and promotions accordingly. IBM and Siebel can help you determine the best timing and channels for communications. Anticipate a customers' emotional response to campaigns. Improve loyalty strategies to build a profitable, long-lasting bond with customers.

Support the strategic goals of your bank with component-based transformation and reuse components across multiple processes.

Do you have the tools to adequately protect bank assets? Are your security programs keeping pace with changing customer expectations? Enhance asset protection, and streamline security and regulatory compliance with digital technology that works with existing systems to create a more comprehensive security solution.

Transform the branch environment. Build a high-impact customer experience with rich media delivery devices that educate and persuade. IBM dynamic digital merchandising uses interactive displays to communicate new product offerings, influencing customer buying decisions and helping you quickly respond to market pressures.

How well do you know your customers? Can you leverage information from the point-of-contact? Can you proactively market to your banking customers based on their preferences and behavior? If you want to understand and anticipate the needs of your clients, turn to IBM.

IBM technology gives exchanges and trading venues high availability and scalability, helping to reduce costs and ensure 99.99999% uptime.

Support the core business of your exchange with a trading reference architecture designed to promote low latency and cost efficiency. Your trade environment requires dynamic performance capabilities and IBM has developed technology to support the high throughput and low latency needs unique to exchange business processes.

IBM financial crimes solutions can help you determine the right mix of detective and preventive controls to better manage events, and to combat financial crime activities.

Dramatic increases in specialized financial applications. Constantly changing messaging standards. Conversion to new applications or formats. Financial institutions face ongoing challenges to remain technologically competitive and provide cost-effective trade processing. IBM can help you manage the impact of these changes.

From front to middle to back office, IBM can help provide a single, consistent view of data across your firm with an enterprise data management solution customized for financial markets. Enhance your regulatory compliance, risk management, client reporting, cash and custody management, and corporate governance capabilities.

Process and service models from IBM can help financial markets firms transform core financial systems, ranging from front- to back-office functions such as trade processing, payments, corporate actions processing and securitization. Meet tomorrow's demands today and align your IT plans with your business strategy.

IBM risk management solutions can help financial companies address increasingly complex financial risk.

Is your bank able to grow targeted areas of business while enhancing market differentiation? Are you able to meet changing individual customer needs and purchase behaviors with the most effective range of products and services? Let IBM and Cisco help you attract and retain profitable clients.

IBM Rational® software and services can help you optimize application development and delivery within your company and externally. With IBM, financial services firms can establish effective governance to optimize development, support business needs, meet regulations and establish a balance between innovation and oversight.

IBM has a proven track record helping financial companies address complex governance and compliance projects.

Differentiate your bank and drive profitability by improving the customer experience. Turn your banking customers into advocates. Through the use of intelligent customer insight, business intelligence and process optimization, our solution can help you improve customer service, enhance revenue and manage compliance.

Do you need to transform your financial institution's cross-enterprise architecture? IBM Banking Data Warehouse can help you consolidate data and bring analytical information from various business units together to improve relationship marketing, profitability measurement and risk management.

Is the planning phase of your upcoming re-engineering project stalling your bank's progress? IBM Information FrameWork (IFW) Process Models, offer best practice processes, references and control points for core banking. Our solution can help you align key departments such as HR, IT and marketing.

Meet your bank-s strategic initiatives, launch a new product line and support a service-oriented architecture. IBM can help you reengineer core banking systems and deploy message and component-based software to help you align your IT plans with your business strategy with our comprehensive service models.

Are your customers getting the information they want, how they want it? Are you looking for new ways to reduce employee turnover? We can help you build a more efficient workplace to improve workforce satisfaction, effectiveness and productivity—so you can streamline operations and improve customer satisfaction.

Cut and stabilize unit costs. Streamline processes. Leverage Check 21 to your advantage. Using digital images instead of physical checks offers many opportunities for savings. Imaging. Systems integration. Management. Turn to IBM to help you build the systems and processes you need to support electronic check processing.

Virtually all financial institutions have multiple financial messaging systems. These systems evolve at differing times and purposes creating process duplication. With payment systems representing a higher percentage of expense than revenue, financial institutions need a more efficient and enterprise-wide payments solution.

IBM Systems solution for BW accelerator from SAP is an easy-to-deploy, prepackaged solution for near real-time analytics. This solution can help you access and analyze large volumes of business data, providing quicker access to management information for better day-to-day tactical and strategic business decisions.

Are you effectively and efficiently preventing fraudulent activities? Our solution can help protect your reputation by preventing fraud to help you know and understand your current and potential customers, their relationships with each other and your employees, complementing your existing transaction monitoring systems.

Do you need to transform your financial institution's cross-enterprise architecture? Information FrameWork banking data warehouse from IBM can help you consolidate data and bring analytical information from various business units together—relationship marketing, profitability measurement and risk management.

Have explosive data growth and years of decentralized IT management practices caused your information management environments to grow out of control? Information lifecycle management offers a solution by aligning the business value of information with the most effective IT infrastructure through each phase of its lifecycle.

Better understand and utilize existing information assets to achieve new business insight throughout your enterprise. The information warehouse solution from IBM is designed to deliver complete, consistent, accurate, actionable information so that users can make faster, better-informed decisions that drive business optimization.

IBM IT and infrastructure risk solutions include a range of capabilities throughout the operational risk management cycle, including assessment and planning, design, implementation, business continuity and disaster recovery, and ongoing management.

Where is your infrastructure's weak spot? Availability and recovery? Facility power and security? Change management? Most financial organizations struggle with these and more. IBM can systematically diagnose root causes of risks, and prescribe actions to reduce risk and improve resilience.

Phishing, Trojan horses, identity theft. Do you have the processes and technologies in place to safeguard your systems, applications and information? IBM can help you deal with risk across your extended enterprise. Protect information assets. Pursue new business initiatives securely. Prevent problems before they occur.

IBM can help you gain fast, scalable and flexible access to market data to seize competitive advantage for your financial markets firm.

IBM offers effective master data management solutions that can enable long-term financial market success. A single source of trading data can improve compliance, efficiency and CRM.

Leverage risk management for profitable growth. Enable compliance. Improve your reputation. Maintain flexible, resilient systems. Support business continuity. Turn to IBM to effectively support financial institutions’ processes and systems to manage and control operational risk and turn it to your advantage. IBM can help.

Streamline. Online. Improve the accuracy and speed of your payments systems. Increase your volume of business easily. Manage the growing complexity of your customer bases. IBM can help. Reduce costs by automating payments from start to finish. Offer your customers online payment options. With full security and tracking. Meet government requirements.

Does your business need help integrating post execution processes? From trade matching on the exchange to settlement, the post execution process solution from IBM can help you prepare and streamline—including the confirmation process, asset allocation, collateralization, prefunding and financing.

IBM sales and client services for financial markets can enable near real-time access to customer information and data to help increase profitability and drive growth in high-velocity trading.

Maximize front office efficiencies. Enhance information sharing across your enterprise. Streamline your business processes with IBM software and consulting services. We can help you integrate customer intelligence, market data and research information for greater efficiency across your organization.

Escalating call times and volumes, high staff training costs and inconsistent, slow service can all lead to frustrated customers. IBM and KANA can help your organization extend the value of your current CRM system to provide exceptional customer service at a lower overall cost by focusing on service resolution management.

When the world's business intelligence leader pairs with the market's premier business analytics software provider, your business wins. Together, IBM and Siebel offer solutions to develop accurate and insightful information that, in turn, can help you respond with improved speed and relevance to your customers.

Are you collecting data on your customers with every transaction? Offering loyalty programs. Monitoring for transactions for fraud. More powerful and secure than magnetic strip cards, smart cards are capable of storing and processing a wealth of information for multiple uses.

To build business relationships, you often need to travel, which can mean lost time, reduced productivity and increased expense. The telepresence meeting solution from IBM and Cisco provides an in-person experience, empowering you to interact more effectively with colleagues and customers in many locations.

IBM trade and order management solutions can help you compete globally while reducing transaction costs. Improve order- and trade-flow throughout internal and external processes.

Maximize trading efficiencies. Enhance information sharing across your enterprise. Streamline your business processes with IBM hardware, software and consulting services. We can provide support for different pre-execution trading applications for a fully automated order capture and execution environment.

IBM trade processing solutions enable enterprise-wide trade lifecycle management, including transaction monitoring, derivatives integration and business process automation.

Effectively manage risk exposure and reduce costs by quickly identifying and resolving failed trades. Transaction monitoring and exception management from IBM can help streamline the process for handling exceptions throughout a trade's lifecycle, which can account for more than 50% of back-office costs.

Payments make up a large portion of your expenses. But processing costs offset revenue generated from the related fees. Complex payment systems. Manual intervention. Disparate information sources. These are the problems. IBM can help you streamline processes to reduce costs, improve service, build a competitive advantage.