IBM SALES AND DISTRIBUTION
Solution Brief
Highlights
● Decrease your operational costs and
prepare for convergence
● Design an overall risk and compliance
architecture to protect your business
● Develop a strategy to position your
company for future growth
Transform your payments operations and offerings
Payments solutions for
banking
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 suc-
cessfully 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.
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 sim-
plify your payments processing operations, create a more
efficient and flexible payments infrastructure, achieve straight-
through processing, automate duplicate detection and consoli-
date 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 regula-
tions 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 innova-
tion and generate new revenue streams through offerings such
as mobile payments, supply chain, electronic invoicing, liquid-
ity management and cash management.
IBM SALES AND DISTRIBUTION Transform your payments operations and offerings
Solution Brief

Example offerings include:

IBM Banking Industry Framework © Copyright IBM Corporation 2009

The IBM Banking Industry Framework combines the power of IBM software IBM Corporation
with banking-specific software extensions, solution accelerators and best prac- Route 100
tices, to help you deploy solutions faster and at lower cost and risk. The Somers, NY 10589
IBM framework can help you migrate to a more strategic and flexible technol- Produced in the United States of
ogy architecture that is aligned with the needs of your business, one project at a America
October 2009
time. Take advantage of a structured approach that combines best-in-class
All Rights Reserved
industry assets, repeatable software patterns and IBM Business Partner offer-
ings to achieve more flexible and efficient payments and securities processing. IBM, the IBM logo and ibm.com are
trademarks or registered trademarks of
International Business Machines
IBM Payments Director Corporation in the United States, other
countries, or both. If these and other
The IBM Payments Director suite of products can help financial institutions IBM trademarked terms are marked on
make the transition from a batch, paper-based processing environment to a their first occurrence in this information
real-time, transaction processing environment. IBM Payments Director takes with a trademark symbol (® or ™), these
symbols indicate U.S. registered or
items from all capture points and stores them in an enterprise payments data- common law trademarks owned by
base. There, a single set of business rules and services can be used to determine IBM at the time this information was
payment validity and select the best clearing channel for each item. This open published. Such trademarks may also be
and flexible architecture, based on IBM WebSphere® and IBM DB2®, is avail- registered or common law trademarks in
other countries. A current list of
able on a variety of hardware platforms, including IBM System z®. IBM trademarks is available on the
Web at “Copyright and trademark
information” at ibm.com/legal/
Smart card and secure identity from IBM copytrade.shtml
The IBM smart card and secure identity solutions help you gather customer
Other product, company or service
information more efficiently so you can implement effective, integrated busi- names may be trademarks or service
ness strategies to drive customer acquisition, retention and usage. Smart marks of others.
chips—embedded within the card—contain a microprocessor or memory chip
capable of storing rich consumer behavioral data with high levels of security
and privacy. The IBM smart card and secure identity solutions can range from Please Recycle
product and service delivery, to design, manufacturing, issue management,
application development and integration with your legacy systems.

For more information

To learn more about Payment solutions for banking, please contact your
IBM representative or IBM Business Partner, or visit: ibm.com/banking

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