IBM Sales and Distribution

Banking

Mobile banking and payments solutions

Enable faster, less expensive, safer and more accessible mobile banking and payments
Mobile banking and payments solutions from IBM can help you capitalize on the shift and growth of mobile-payments users and accelerate customer adoption. You need a low-cost platform that can handle high volumes of transactions and requires minimal up-front capital expenditures. You also need a trusted platform that can deal effectively with the multiple stakeholders involved in the mobile commerce ecosystem. Further, you want to reduce operational risk and improve responsiveness to changing customer and regulatory requirements. Mobile banking and payments solutions from IBM can provide a comprehensive platform to help enable new revenue sources for banks, retailers and communications service providers. Leveraging cloud technology, we help enable faster, less expensive, safer and more accessible mobile banking and payments services. Our broad, interoperable mobile payments solutions can help lower operational costs and better align your income from mobile transactions with operating costs. A robust, security-rich platform can handle high volumes of transactions, enhance responsiveness and help enable distribution networks through a shared infrastructure.

Highlights

Enables new revenue sources while helping to reduce up-front costs with a security-rich platform for mobile transactions Allows cross-industry interoperability and collaboration through the Mobile Money Cloud and Trusted Service Manager platforms Facilitates responsiveness to changing market and regulatory demands through cloud delivery and analytics

Helping you nd new revenue sources and reduce up-front costs

By helping you monetize transactions with a security-rich and easy-to-use mobile payments service, we can help you exploit the revenue opportunities created by the accelerated use of mobile technologies in developed and emerging markets. Our highly scalable platform requires minimal up-front investments and can deliver a safer mobile banking experience to help you reach the increasing numbers of users leveraging their mobiles devices to interact with banks, merchants and each other.

Helping improve interoperability and collaboration

A highly interoperable cloud solution can easily interconnect multiple stakeholders and support the business functions performed by participants. In developed markets, the Trusted Service Manager deals in an equitable manner with multiple parties, as well as provides a security-rich platform to manage identity, personal data and product lifecycle. In emerging markets, the Mobile Money Cloud can enable the replacement of cash transactions using mobile devices and also facilitate value-added services like transaction agging for fraud detection. These two platforms can hide the technical and operational complexities of establishing a mobile payments ecosystem with minimal up-front investments.

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Facilitating responsiveness to market and regulatory demands

Extensive data analytics capabilities can help you detect fraud and deploy anti-money laundering solutions on the network to help you manage your compliance requirements. Predictive analysis enables you to understand customer behavior, so you can improve your responsiveness to changing customer demands while building trust and adoption. With payments processed on one system, data collection for regulatory reporting can also be greatly simplied.

Why IBM?
Our extensive experience in the communications, banking and retail industries makes IBM uniquely suited to provide an end-to-end solution for cross-industry platforms. We offer comprehensive project management skills and experience gained from numerous successful client engagements worldwide. You can also leverage IBM Research technology and expertise in the eld of data analytics, cloud computing and authentication (biometrics) to further monetize mobile commerce opportunities.

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For more information

To learn more about mobile banking and payments solutions, please contact your IBM marketing representative or visit the following website:
ibm.com/banking

Additionally, nancing solutions from IBM Global Financing can enable effective cash management, protection from technology obsolescence, improved total cost of ownership and return on investment. Also, our Global Asset Recovery Services help address environmental concerns with new, more energy-efficient solutions. For more information on IBM Global Financing, visit: ibm.com/nancing

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