Payments solutions for banking

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Integrated risk management
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Transform your payments operations and offerings

The global payments business is changing quickly, driven by market consolidation, margin pressure, disintermediation, risk and fraud. Position your banking business for emerging opportunities with enhanced efficiency, comprehensive risk management and simplified compliance. Our proven, open and flexible offerings can help you successfully navigate the payments market, while freeing up capital and reducing expense.

IBM and our IBM Business Partners can help you assess your current payments platform, and implement new technologies and value-add processes that can decrease costs and enable the development of new products and services. We can advise you on how you can outsource, co-source or progressively transform your operations. We can help you address your integrated risk management and compliance needs. And we can help you develop a strategy for your payments business to enable new revenue opportunities.

Payments offerings

Our payment solutions focus on helping you with three core payments needs:

Efficiency and convergence—decrease your operational costs and prepare for convergence. Our offerings can help you simplify your payments processing operations, create a more efficient and flexible payments infrastructure, achieve straight-through processing, automate duplicate detection and consolidate messaging services.
Risk management and compliance—design an overall risk and compliance architecture to protect your business. Our offerings help detect and interrupt enterprise-wide payments fraud and financial crime threats, as well as comply with regulations while differentiating your competitive position.
Emerging opportunities—develop a strategy to position your company for future growth. Our offerings can help you enhance business agility and responsiveness to enable innovation and generate new revenue streams through offerings such as mobile payments, supply chain, electronic invoicing, liquidity management and cash management.

Featured content

Enterprise fraud solutions from IBM and ACI

IBM and ACI offer comprehensive financial crime solutions for detecting and preventing risk across an institution’s business lines and customer accounts. From strategic, user-defined rules to powerful neural network technology, IBM and ACI solutions help institutions track losses and apply corrective measures to mitigate financial crime threats and limit losses.

Retail payment systems design and optimization from IBM and ACI

IBM and ACI build solutions that enable our clients to consolidate multiple, disparate systems into a single, collaborative hardware environment, reducing complexity, costs and risks. Our payment transformation team provides unsurpassed client care - from front-end consultancy to design and implementation to optimization and ongoing support.

Payments solutions from IBM and Clear2Pay

IBM has joined with Clear2Pay to deliver agile payment solutions that facilitate strategic advantage. Read this brochure to learn how IBM and Clear2Pay can help banks achieve secure, timely, streamlined payments processing through innovative technology.

Solutions

IBM Payments Director

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.

Smart card and secure identity from IBM

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.