Driving Change in Banking - Engagement in the world of empowered individualsMarch 2015

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What’s changing in the world of Banking client engagement

Customers demand a digital banking experience - immediate, relevant and personal

There is an intensified focus on securely moving corporate information in and out of the bank

Payments must be processed same-day and even real-time

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72% of CEOs are making major changes to understand their customers’ individual needs

35% of the general population is influenced by social media, vs. 52% of Gen Y (Millennials)

The Smartphone is the omni-present channel for sharing and 91% keep the phone close and access it up to 150 X a day

Source: IBV Studies

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Corporate Payment initiatives are growing globally; banks can improve service by reducing customer payments on-boarding times by up to 70%

For banking, secure transfer of data is critical. Yet, only 52% of bankers say that their data exchange with corporate clients is secure and compliant

Source: Gartner Research

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Gain a deep understanding of your customers to deliver personalized content in context to make moments matter

Collaborate and engage with customers and improve their experience

Deliver secure, intelligent and real-time transactions and payments

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A winning strategy

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In their journey to address these imperatives, Banking leaders have confronted challenges that face many companies

Siloed customer experiences across the

customer lifecycle

Complexity and inefficiencies in

managing the explosion of offerings

Lack of a true omni-channel capability to have a continuous conversation with the customer

Transactional, but not truly collaborative, integration with value chain partners and customers

IBM Commerce for banking brings it all together

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PaymentsOnboard new customers

faster and transact in real-time

Integration and Connectivity

Connect with your customers and your networks securely

MarketingUnderstand your customers’ needs, desires and context while overcoming silos

Online and mobile bankingCreate a great customer experience across all digital channels

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IBM Commerce for Banking delivers personalized content in context to drive customer engagement

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Collaborate and engage with partners and suppliers with speed and flexibility

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350,000+ Global trading entities connected

5.5 millionTransactions exchanged through B2B cloud daily

Nearly

15X ROIFor every dollar spent on IBM Commerce

#1 Banking tech vendor as ranked by the FinTech 100

$100 billion Commerce transactions analyzed in Holiday Benchmark Reports

100 millionMessages per day powered by IBM Payments; including 30% of all SWIFT messages

IBM Commerce for banking delivers value at speed

Sources: Internet Retailer Top 500, IBM and Nucleus Research Provided for illustrative purposes and is not intended to be a guarantee of future growth rates or market opportunity.

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