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IBM smarter payments
1. FSS/Banking
Solution Brief
IBM Software
IBM Smarter Payments
An integrated processing system for near
real-time payment and transaction processing
Challenges
In 2012, banks handled more than USD377 trillion non-cash
transactions. A recent Forbes survey found that billions of mobile
device users expect mobile banking service through a telecom provider.
Financial institutions must also provide more services to corporate
customers. And do all this while coping with changing government
regulations as well as new, real-time payment processing mandates.
They must continue to offer new services and constantly look for
ways to lower the day-to-day cost of existing transaction systems.
Smarter payments is built on IBM®
Financial Transaction Manager,
a banking transaction platform that can integrate, manage and
monitor a wide variety of financial transactions including:
• Corporate payments
• SEPA
• SWIFT Business services
• NACHA
• UK Faster payments
• US and Canadian checks
Smarter payments offer a comprehensive set of business
solutions including:
• B2B Integrator
• Sterling File Gateway
• IBM WebSphere®
Transformation Extender (WTX)
• Connect: Direct
• Sterling Control Center
• Banking Transformation Toolkit (BTT)
Smarter payments provide integrated, end-to-end payments
processing. It is a transaction and payments processing hub that can be
implemented in a staged manner, using a process called ‘progressive
convergence.’
Highlights
• Improve customer self-service by
providing visibility across payment
and transaction types
• Support convergence across multiple
processing ‘silos’
• Provide scalable and production-proven
support for real-time processing
• Comply more quickly with regulatory
demands
• Manage transactional risk and reduce
operational costs