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Driving Change in
Banking - Engagement
in the world of
empowered individuals
IBM Commerce for Bank CMOs
Marketing POV, May 2015
Retail banking is actively being disrupted by non-traditional banking:
Billions in revenue gone
Challenge to brand loyalty
Ever-changing regulations
Rapidly changing technology
Evolving security imperatives
Trust issues after financial
crisis
Social imperatives
“Nobody needs banks but everyone needs banking.”
- Heather Cox, Chief Client Experience, Digital and Marketing Officer for Global Consumer Banking @ Citi
DisruptiveForces
of Millennials “more excited
about a new offering in financial
services from Google, Amazon,
Apple, PayPal or Square than
from their own nationwide bank,”
Source: Viacom’s Millennial Disruption Index
Established tech companies such
as Apple, Amazon, and Square are
entering financial services with mobile
technology, new lending processes,
and improved security practices.
Fintech start ups in emerging and
developed markets cater to diverse
customers (millennials, unbanked,
underbanked) with new low-cost
tech such as mobile payments and
services that replace branches.
Peer-to-Peer lending and
Crowdsourcing platforms such as Sofi,
Common Bond, Lending Club, and
Kickstarter are allowing customers to
bypass retail banks for loans.
Sources: (1) Viacom Report (2) Blue Point Solutions Banking Disruption (3) American Banker (4) Investopedia (5) Economist: Article on
P2P (6) Bank Tech (7) Business Insider ($4.7tr stat)
trillion in revenue for traditional
financial services at risk of
being displaced by new tech-
enabled entrants.
Source: Business Insider
billion, in 2013 loans raised by
NA’s two largest P2P lenders,
Lending Club and Prosper, up from
$871m in 2012.
Source: Economist
73%
$4.7
$2.4
Millennial customers
2
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
What’s changing in the world of Banking client engagement
Source: IBM Institute for Business Value CEO Study; and the CMO study
CXO’s realize they must improve their understanding of individual customers and respond faster to their needs
Change is required to meet customer expectations
Improve understanding of individual customer needs
Improve response time to market needs
Harmonize customer experiences across channels
Include customers across product / service life cycle
Increase transparency and corporate accountability
Increase social and environmental responsibility
72%
68%
67%
44%
55%
38%
The most prominent challenges for Chief Marketing Officers
Data explosion1
Social media2
Growth of channels and devices3
Shifting consumer demographics4
71%
68
%
65%
63%
Bank marketing’s universe is changing too… Marketing must
re-imagine its role…
Know your customer as an individual
Create value at every touch
Be an authentic brand and culture
and Marketing must accelerate the transformation to Digital banking
But it is awfully hard to re-imagine marketing when the technology
infrastructure looks like this…
SMS
Marketing
Files
Files
Files
Files
Files Customer
Database
Files
Email Service
Provider Web Analytics
Provider
Website Behavioral
Targeting
Search Marketing
Dashboard
Customer Insight
ToolPredictive Analytics
Marketing Finance
Mgmt
Digital Asset Mgmt
Call Center/Inbound
Decisioning
Marketing
Operations Mgmt
Lead Management
Local Marketing
Predictive Analytics
Driving these challenges for bank marketers
Getting the right analytics to
inform interactions in real time is
difficult.
I can’t react to my
customers in real time.
I need my applications
to talk to each other.
I can’t access a single view of
customer data across channels.
It is too hard to offer relevant
offers and content to my
customers.
“ ” “ ”
”
”
”
“
“
“
IBM Commerce strategic vision for bank marketing:
Solutions for Banking to make it easier to design meaningful customer
experiences across applications, devices and time, and channels, accelerating
today’s results and tomorrow’s ambitions
Digital
Marketing
Customer
Analytics
Lead
Management
Real Time
Personalization
Omni Channel
Marketing
How Banking CMO’s Leverage IBM’s Marketing Solutions
 Sophisticated event detect that outperforms all other methods
of lead identification
 Comprehensive cross-channel lead management
 End-to-end customer lifecycle optimization - attract,
on-board, monitor and act on behavioral profiles
 Designing Cross-channel, multi-wave, outbound and inbound marketing
customer journeys
A IBM Commerce approach helps CMOs improve the customer
experience at the bank
9
Grow your knowledge
of customers as
individuals so you can
better target offers
and information.
Deliver an omni-
channel marketing
experience to give the
customer one
consistent brand
experience
Better anticipate
customer needs to
deliver more relevant
and timely offers that
are personalized and
more likely to be
accepted.
CMO Agenda
GAIN CUSTOMER
INSIGHT TO ACT
PERSONALIZE
INTERACTIONS
AND ENGAGE
CUSTOMERS WITH
RELEVANT
OFFERS
DELIVER AN
OMNI-CHANNEL
MARKETING
EXPERIENCE
DELIVER A
BETTER MOBILE
BANKING
EXPERIENCE
Deliver an improved
mobile banking
customer experience.
And ensure that mobile
is not a stand-alone silo,
with Omni-Channel
marketing.
Customer Experience Analytics
“I want to understand the what, why,
and how of my customers’
behaviors.”
Behavioral
Analytics
Journey
Analytics
Digital
Analytics
Dollar Bank
Drives customer satisfaction by truly understanding their customer journey’s across channels -- all
powered by IBM Customer Analytics solutions.
25S
Reduction in
average contact
call center times 30%
Fewer call escalations,
increasing customer
satisfaction
11 © 2015 IBM
The Value of the IBM Commerce Approach
Precise Efficient Proactive
Individually identify clients,
actions, and outcomes for
targeted and unique offers
Predict likelihood of
success, and focus on the
most impactful actions
Base your market strategy
and actions on future
outcomes, not just past
events
sophisticated analytics provide actionable insight to the customer engagement
OCBC Bank
273% 45%
Increase in
campaigns
deployed
Increased
conversion
rates 138%
Growth in
hidden
revenues
13 © 2015 IBM
Increases cross-sell rates resulting in engaged customers across all channels by understanding their
customer’s behavior -- all powered by IBM Marketing solutions.
Real-Time Personalization
“I want to dynamically serve up
relevant content, offers and
recommendations.”
Digital
Recommendations
Real-Time
Interaction Management
Opportunity
Detection
Capabilities that enable you to take full advantage
of every interaction
Maximize all types of real-time
engagement across channels
Use response data to refine and
optimize future decisions—
automatically
Directly engage in offer design
and creation
Enabled through:
Outbound offer personalization
Inbound offer personalization
Content and product personalization
Omni-channel campaign management and execution, including
mobile customer engagement
ING Bank
17 3x
Week reduction in
campaign cycle times
Increase in
customer responses 35%
Reduction in overall
marketing costs
16 © 2015 IBM
Transforms their marketing effectiveness through a focus on personalization -- all powered by IBM
Marketing solutions.
Omni-Channel Marketing
“I want to acquire and grow
customer relationships
online and offline; digitally and
in branches.”
Campaign Mgt Contact Optimization
Ignite and Grow Customer Relationships drives cross-channel engagement by:
Promoting
organizational alignment
Helps reduce channel
silos through collaboration
and measurement
Delivering brand consistency
Drives consistent
messaging across offline and online
channels
Creating an integrated, customer
journey
Aligns with customers’
expectations on their
channel of preference
at the right moment
Enabling solutions
• Campaign
• Contact Optimization
• Interact
• Interact Opportunity Detection
• eMessage
• Distributed Marketing
• Mobile Customer Engagement
• Marketing Operations
19 © 2015 IBM
Banorte
Makes it personal across all channels to drive loyalty – with IBM Global Services and all powered by
IBM Marketing and IBM Customer Analytics Solutions.
40% 20%
Improvement in
operating
efficiencies
Return on
equity 200M
USD expected bottom
line benefit in the first
24 months
© 2015 IBM Corporation 20
DELIVER A BETTER
MOBILE BANKING
EXPERIENCE
21
Unfortunately, most
bank apps rate 3 out
of 5 stars, and 50%
see no
differentiation…
… 60% rate mobile as
their reason to switch
banks…
…and 45% have
considered
deleting their
banks app…
Although most banks have mobile apps, customers are not wowed by
them:
… Banks have been treating mobile banking as just another channel –
aimed at reducing cost and increasing self service
Most online and mobile
capability is basic
► Mobile remote deposit
capture offered by a
minority
► Personalization rare
► Personal financial
management even rarer
Data
RichSecure
Continuously
Improve
Contextualize
and Personalize
Platform
services to
enable your
apps
Apps that
Are hard
because
Mobile speed and scale
requires new integration
and database approaches
for app developers
Outside the network’s
protection, mobile apps
and data require specific
governance
They require constant
user feedback,
monitoring and
release of revisions
Mobile apps must
capture, interpret and
act on disparate
context sources in real
time
Capabilities needed to succeed
To make good apps great through mobile platform services
IBM MobileFirst Platform delivers rich services and then integrates them for
an end-to-end experience for mobile development and operations teams
First Tennessee Bank uses web analytics to optimize mobile banking interactions by
driving targeted content
Business challenge: First Tennessee Bank wanted to make the most of the time customers spent on its web
and mobile sites by delivering personalized content and targeted marketing messages. The bank also wanted
to tap in to the data captured during virtual interactions to help tellers and call center employees improve
customer service and identify more up-selling opportunities.
The smarter solution: The bank implemented a web analytics solution that draws insight from customers’
online behaviors. It uses the data to create targeted content, email messages and product suggestions. The
solution also provides bank employees with insightful information about the customers they serve.
“Our goal is to make it easier for customers to do business with us on every channel. Today, we have all the
tools we need to deliver outstanding service across every device.”
—Nicole West, web analytics manager
3% lower
home page bounce rate as a result of
better insight into the page’s design
Increased frequency
of detailed web traffic reports from
monthly to weekly
13% faster
logins due to a better understanding of
what customers experience on the bank's
home page
65%
Of the most influential CMOs
use IBM solutions4
15 of the 15top
Global Banking firms
use Commerce
solutions2
Nearly
15X ROI
For every dollar spent
on IBM Commerce1
#1 Banking
tech vendor as ranked
by the FinTech 1003
$100 billion
Commerce transactions
analyzed in Holiday
Benchmark Reports
5 years
in a row the Gartner Magic
Quadrant leader for Multi-
Channel Campaign
Management
IBM Commerce for banking delivers value at speed
25
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.
2 Global Fortune 500 and top banks on the list 3 FinTech 100 ranking for partner vendors for the banking industry; 4Appinions Research conducted for Forbes
26 © 2015 IBM
Why choose IBM Commerce?
THOUGHTFUL,PREDICTIVE,COGNITIVE
Design & Analytics
Integration
COLLABORATIVEANDSECURE
PROVENPARTNERFORSUCCESS
Industry Expertise
Notices and Disclaimers
Copyright © 2015 by International Business Machines Corporation (IBM). No part of this document may be reproduced or transmitted in any form without written permission from IBM.
U.S. Government Users Restricted Rights - Use, duplication or disclosure restricted by GSA ADP Schedule Contract with IBM.
Information in these presentations (including information relating to products that have not yet been announced by IBM) has been reviewed for accuracy as of the date of initial publication
and could include unintentional technical or typographical errors. IBM shall have no responsibility to update this information. THIS DOCUMENT IS DISTRIBUTED "AS IS" WITHOUT ANY
WARRANTY, EITHER EXPRESS OR IMPLIED. IN NO EVENT SHALL IBM BE LIABLE FOR ANY DAMAGE ARISING FROM THE USE OF THIS INFORMATION, INCLUDING BUT NOT LIMITED TO, LOSS OF
DATA, BUSINESS INTERRUPTION, LOSS OF PROFIT OR LOSS OF OPPORTUNITY. IBM products and services are warranted according to the terms and conditions of the agreements under which
they are provided.
Any statements regarding IBM's future direction, intent or product plans are subject to change or withdrawal without notice.
Performance data contained herein was generally obtained in a controlled, isolated environments. Customer examples are presented as illustrations of how those customers have used IBM
products and the results they may have achieved. Actual performance, cost, savings or other results in other operating environments may vary.
References in this document to IBM products, programs, or services does not imply that IBM intends to make such products, programs or services available in all countries in which IBM
operates or does business.
Workshops, sessions and associated materials may have been prepared by independent session speakers, and do not necessarily reflect the views of IBM. All materials and discussions are
provided for informational purposes only, and are neither intended to, nor shall constitute legal or other guidance or advice to any individual participant or their specific situation.
It is the customer’s responsibility to insure its own compliance with legal requirements and to obtain advice of competent legal counsel as to the identification and interpretation of any
relevant laws and regulatory requirements that may affect the customer’s business and any actions the customer may need to take to comply with such laws. IBM does not provide legal
advice or represent or warrant that its services or products will ensure that the customer is in compliance with any law.
27
Notices and Disclaimers (con’t)
Information concerning non-IBM products was obtained from the suppliers of those products, their published announcements or other publicly available sources. IBM has not tested those
products in connection with this publication and cannot confirm the accuracy of performance, compatibility or any other claims related to non-IBM products. Questions on the capabilities of
non-IBM products should be addressed to the suppliers of those products. IBM does not warrant the quality of any third-party products, or the ability of any such third-party products to
interoperate with IBM’s products. IBM EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
The provision of the information contained herein is not intended to, and does not, grant any right or license under any IBM patents, copyrights, trademarks or other intellectual property
right.
• IBM, the IBM logo, ibm.com, Aspera®, Bluemix, Blueworks Live, CICS, Clearcase, Cognos®, DOORS®, Emptoris®, Enterprise Document Management System™, FASP®, FileNet®, Global
Business Services ®, Global Technology Services ®, IBM ExperienceOne™, IBM SmartCloud®, IBM Social Business®, Information on Demand, ILOG, Maximo®, MQIntegrator®, MQSeries®,
Netcool®, OMEGAMON, OpenPower, PureAnalytics™, PureApplication®, pureCluster™, PureCoverage®, PureData®, PureExperience®, PureFlex®, pureQuery®, pureScale®,
PureSystems®, QRadar®, Rational®, Rhapsody®, Smarter Commerce®, SoDA, SPSS, Sterling Commerce®, StoredIQ, Tealeaf®, Tivoli®, Trusteer®, Unica®, urban{code}®, Watson,
WebSphere®, Worklight®, X-Force® and System z® Z/OS, are trademarks of International Business Machines Corporation, registered in many jurisdictions worldwide. Other product and
service names might be trademarks of IBM or other companies. A current list of IBM trademarks is available on the Web at "Copyright and trademark information" at:
www.ibm.com/legal/copytrade.shtml.
28

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Driving change in banking bank marketing pov may2015 v 3.5 updated final

  • 1. Driving Change in Banking - Engagement in the world of empowered individuals IBM Commerce for Bank CMOs Marketing POV, May 2015
  • 2. Retail banking is actively being disrupted by non-traditional banking: Billions in revenue gone Challenge to brand loyalty Ever-changing regulations Rapidly changing technology Evolving security imperatives Trust issues after financial crisis Social imperatives “Nobody needs banks but everyone needs banking.” - Heather Cox, Chief Client Experience, Digital and Marketing Officer for Global Consumer Banking @ Citi DisruptiveForces of Millennials “more excited about a new offering in financial services from Google, Amazon, Apple, PayPal or Square than from their own nationwide bank,” Source: Viacom’s Millennial Disruption Index Established tech companies such as Apple, Amazon, and Square are entering financial services with mobile technology, new lending processes, and improved security practices. Fintech start ups in emerging and developed markets cater to diverse customers (millennials, unbanked, underbanked) with new low-cost tech such as mobile payments and services that replace branches. Peer-to-Peer lending and Crowdsourcing platforms such as Sofi, Common Bond, Lending Club, and Kickstarter are allowing customers to bypass retail banks for loans. Sources: (1) Viacom Report (2) Blue Point Solutions Banking Disruption (3) American Banker (4) Investopedia (5) Economist: Article on P2P (6) Bank Tech (7) Business Insider ($4.7tr stat) trillion in revenue for traditional financial services at risk of being displaced by new tech- enabled entrants. Source: Business Insider billion, in 2013 loans raised by NA’s two largest P2P lenders, Lending Club and Prosper, up from $871m in 2012. Source: Economist 73% $4.7 $2.4 Millennial customers
  • 3. 2 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 What’s changing in the world of Banking client engagement
  • 4. Source: IBM Institute for Business Value CEO Study; and the CMO study CXO’s realize they must improve their understanding of individual customers and respond faster to their needs Change is required to meet customer expectations Improve understanding of individual customer needs Improve response time to market needs Harmonize customer experiences across channels Include customers across product / service life cycle Increase transparency and corporate accountability Increase social and environmental responsibility 72% 68% 67% 44% 55% 38% The most prominent challenges for Chief Marketing Officers Data explosion1 Social media2 Growth of channels and devices3 Shifting consumer demographics4 71% 68 % 65% 63%
  • 5. Bank marketing’s universe is changing too… Marketing must re-imagine its role… Know your customer as an individual Create value at every touch Be an authentic brand and culture and Marketing must accelerate the transformation to Digital banking
  • 6. But it is awfully hard to re-imagine marketing when the technology infrastructure looks like this… SMS Marketing Files Files Files Files Files Customer Database Files Email Service Provider Web Analytics Provider Website Behavioral Targeting Search Marketing Dashboard Customer Insight ToolPredictive Analytics Marketing Finance Mgmt Digital Asset Mgmt Call Center/Inbound Decisioning Marketing Operations Mgmt Lead Management Local Marketing Predictive Analytics
  • 7. Driving these challenges for bank marketers Getting the right analytics to inform interactions in real time is difficult. I can’t react to my customers in real time. I need my applications to talk to each other. I can’t access a single view of customer data across channels. It is too hard to offer relevant offers and content to my customers. “ ” “ ” ” ” ” “ “ “
  • 8. IBM Commerce strategic vision for bank marketing: Solutions for Banking to make it easier to design meaningful customer experiences across applications, devices and time, and channels, accelerating today’s results and tomorrow’s ambitions Digital Marketing Customer Analytics Lead Management Real Time Personalization Omni Channel Marketing
  • 9. How Banking CMO’s Leverage IBM’s Marketing Solutions  Sophisticated event detect that outperforms all other methods of lead identification  Comprehensive cross-channel lead management  End-to-end customer lifecycle optimization - attract, on-board, monitor and act on behavioral profiles  Designing Cross-channel, multi-wave, outbound and inbound marketing customer journeys
  • 10. A IBM Commerce approach helps CMOs improve the customer experience at the bank 9 Grow your knowledge of customers as individuals so you can better target offers and information. Deliver an omni- channel marketing experience to give the customer one consistent brand experience Better anticipate customer needs to deliver more relevant and timely offers that are personalized and more likely to be accepted. CMO Agenda GAIN CUSTOMER INSIGHT TO ACT PERSONALIZE INTERACTIONS AND ENGAGE CUSTOMERS WITH RELEVANT OFFERS DELIVER AN OMNI-CHANNEL MARKETING EXPERIENCE DELIVER A BETTER MOBILE BANKING EXPERIENCE Deliver an improved mobile banking customer experience. And ensure that mobile is not a stand-alone silo, with Omni-Channel marketing.
  • 11. Customer Experience Analytics “I want to understand the what, why, and how of my customers’ behaviors.” Behavioral Analytics Journey Analytics Digital Analytics
  • 12. Dollar Bank Drives customer satisfaction by truly understanding their customer journey’s across channels -- all powered by IBM Customer Analytics solutions. 25S Reduction in average contact call center times 30% Fewer call escalations, increasing customer satisfaction 11 © 2015 IBM
  • 13. The Value of the IBM Commerce Approach Precise Efficient Proactive Individually identify clients, actions, and outcomes for targeted and unique offers Predict likelihood of success, and focus on the most impactful actions Base your market strategy and actions on future outcomes, not just past events sophisticated analytics provide actionable insight to the customer engagement
  • 14. OCBC Bank 273% 45% Increase in campaigns deployed Increased conversion rates 138% Growth in hidden revenues 13 © 2015 IBM Increases cross-sell rates resulting in engaged customers across all channels by understanding their customer’s behavior -- all powered by IBM Marketing solutions.
  • 15. Real-Time Personalization “I want to dynamically serve up relevant content, offers and recommendations.” Digital Recommendations Real-Time Interaction Management Opportunity Detection
  • 16. Capabilities that enable you to take full advantage of every interaction Maximize all types of real-time engagement across channels Use response data to refine and optimize future decisions— automatically Directly engage in offer design and creation Enabled through: Outbound offer personalization Inbound offer personalization Content and product personalization Omni-channel campaign management and execution, including mobile customer engagement
  • 17. ING Bank 17 3x Week reduction in campaign cycle times Increase in customer responses 35% Reduction in overall marketing costs 16 © 2015 IBM Transforms their marketing effectiveness through a focus on personalization -- all powered by IBM Marketing solutions.
  • 18. Omni-Channel Marketing “I want to acquire and grow customer relationships online and offline; digitally and in branches.” Campaign Mgt Contact Optimization
  • 19. Ignite and Grow Customer Relationships drives cross-channel engagement by: Promoting organizational alignment Helps reduce channel silos through collaboration and measurement Delivering brand consistency Drives consistent messaging across offline and online channels Creating an integrated, customer journey Aligns with customers’ expectations on their channel of preference at the right moment Enabling solutions • Campaign • Contact Optimization • Interact • Interact Opportunity Detection • eMessage • Distributed Marketing • Mobile Customer Engagement • Marketing Operations
  • 20. 19 © 2015 IBM Banorte Makes it personal across all channels to drive loyalty – with IBM Global Services and all powered by IBM Marketing and IBM Customer Analytics Solutions. 40% 20% Improvement in operating efficiencies Return on equity 200M USD expected bottom line benefit in the first 24 months
  • 21. © 2015 IBM Corporation 20 DELIVER A BETTER MOBILE BANKING EXPERIENCE
  • 22. 21 Unfortunately, most bank apps rate 3 out of 5 stars, and 50% see no differentiation… … 60% rate mobile as their reason to switch banks… …and 45% have considered deleting their banks app… Although most banks have mobile apps, customers are not wowed by them:
  • 23. … Banks have been treating mobile banking as just another channel – aimed at reducing cost and increasing self service Most online and mobile capability is basic ► Mobile remote deposit capture offered by a minority ► Personalization rare ► Personal financial management even rarer
  • 24. Data RichSecure Continuously Improve Contextualize and Personalize Platform services to enable your apps Apps that Are hard because Mobile speed and scale requires new integration and database approaches for app developers Outside the network’s protection, mobile apps and data require specific governance They require constant user feedback, monitoring and release of revisions Mobile apps must capture, interpret and act on disparate context sources in real time Capabilities needed to succeed To make good apps great through mobile platform services IBM MobileFirst Platform delivers rich services and then integrates them for an end-to-end experience for mobile development and operations teams
  • 25. First Tennessee Bank uses web analytics to optimize mobile banking interactions by driving targeted content Business challenge: First Tennessee Bank wanted to make the most of the time customers spent on its web and mobile sites by delivering personalized content and targeted marketing messages. The bank also wanted to tap in to the data captured during virtual interactions to help tellers and call center employees improve customer service and identify more up-selling opportunities. The smarter solution: The bank implemented a web analytics solution that draws insight from customers’ online behaviors. It uses the data to create targeted content, email messages and product suggestions. The solution also provides bank employees with insightful information about the customers they serve. “Our goal is to make it easier for customers to do business with us on every channel. Today, we have all the tools we need to deliver outstanding service across every device.” —Nicole West, web analytics manager 3% lower home page bounce rate as a result of better insight into the page’s design Increased frequency of detailed web traffic reports from monthly to weekly 13% faster logins due to a better understanding of what customers experience on the bank's home page
  • 26. 65% Of the most influential CMOs use IBM solutions4 15 of the 15top Global Banking firms use Commerce solutions2 Nearly 15X ROI For every dollar spent on IBM Commerce1 #1 Banking tech vendor as ranked by the FinTech 1003 $100 billion Commerce transactions analyzed in Holiday Benchmark Reports 5 years in a row the Gartner Magic Quadrant leader for Multi- Channel Campaign Management IBM Commerce for banking delivers value at speed 25 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. 2 Global Fortune 500 and top banks on the list 3 FinTech 100 ranking for partner vendors for the banking industry; 4Appinions Research conducted for Forbes
  • 27. 26 © 2015 IBM Why choose IBM Commerce? THOUGHTFUL,PREDICTIVE,COGNITIVE Design & Analytics Integration COLLABORATIVEANDSECURE PROVENPARTNERFORSUCCESS Industry Expertise
  • 28. Notices and Disclaimers Copyright © 2015 by International Business Machines Corporation (IBM). No part of this document may be reproduced or transmitted in any form without written permission from IBM. U.S. Government Users Restricted Rights - Use, duplication or disclosure restricted by GSA ADP Schedule Contract with IBM. Information in these presentations (including information relating to products that have not yet been announced by IBM) has been reviewed for accuracy as of the date of initial publication and could include unintentional technical or typographical errors. IBM shall have no responsibility to update this information. THIS DOCUMENT IS DISTRIBUTED "AS IS" WITHOUT ANY WARRANTY, EITHER EXPRESS OR IMPLIED. IN NO EVENT SHALL IBM BE LIABLE FOR ANY DAMAGE ARISING FROM THE USE OF THIS INFORMATION, INCLUDING BUT NOT LIMITED TO, LOSS OF DATA, BUSINESS INTERRUPTION, LOSS OF PROFIT OR LOSS OF OPPORTUNITY. IBM products and services are warranted according to the terms and conditions of the agreements under which they are provided. Any statements regarding IBM's future direction, intent or product plans are subject to change or withdrawal without notice. Performance data contained herein was generally obtained in a controlled, isolated environments. Customer examples are presented as illustrations of how those customers have used IBM products and the results they may have achieved. Actual performance, cost, savings or other results in other operating environments may vary. References in this document to IBM products, programs, or services does not imply that IBM intends to make such products, programs or services available in all countries in which IBM operates or does business. Workshops, sessions and associated materials may have been prepared by independent session speakers, and do not necessarily reflect the views of IBM. All materials and discussions are provided for informational purposes only, and are neither intended to, nor shall constitute legal or other guidance or advice to any individual participant or their specific situation. It is the customer’s responsibility to insure its own compliance with legal requirements and to obtain advice of competent legal counsel as to the identification and interpretation of any relevant laws and regulatory requirements that may affect the customer’s business and any actions the customer may need to take to comply with such laws. IBM does not provide legal advice or represent or warrant that its services or products will ensure that the customer is in compliance with any law. 27
  • 29. Notices and Disclaimers (con’t) Information concerning non-IBM products was obtained from the suppliers of those products, their published announcements or other publicly available sources. IBM has not tested those products in connection with this publication and cannot confirm the accuracy of performance, compatibility or any other claims related to non-IBM products. Questions on the capabilities of non-IBM products should be addressed to the suppliers of those products. IBM does not warrant the quality of any third-party products, or the ability of any such third-party products to interoperate with IBM’s products. IBM EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The provision of the information contained herein is not intended to, and does not, grant any right or license under any IBM patents, copyrights, trademarks or other intellectual property right. • IBM, the IBM logo, ibm.com, Aspera®, Bluemix, Blueworks Live, CICS, Clearcase, Cognos®, DOORS®, Emptoris®, Enterprise Document Management System™, FASP®, FileNet®, Global Business Services ®, Global Technology Services ®, IBM ExperienceOne™, IBM SmartCloud®, IBM Social Business®, Information on Demand, ILOG, Maximo®, MQIntegrator®, MQSeries®, Netcool®, OMEGAMON, OpenPower, PureAnalytics™, PureApplication®, pureCluster™, PureCoverage®, PureData®, PureExperience®, PureFlex®, pureQuery®, pureScale®, PureSystems®, QRadar®, Rational®, Rhapsody®, Smarter Commerce®, SoDA, SPSS, Sterling Commerce®, StoredIQ, Tealeaf®, Tivoli®, Trusteer®, Unica®, urban{code}®, Watson, WebSphere®, Worklight®, X-Force® and System z® Z/OS, are trademarks of International Business Machines Corporation, registered in many jurisdictions worldwide. Other product and service names might be trademarks of IBM or other companies. A current list of IBM trademarks is available on the Web at "Copyright and trademark information" at: www.ibm.com/legal/copytrade.shtml. 28