Our offerings are as diverse as they have always been. With leading-edge technology for multi-hybrid cloud environments, we help our clients find the best solution for managing their applications in a flexible and scalable way. We combine corporate strategy, design, and technology with the unique IBM Garage that enables even the largest companies to work with as much agility as a start-up. However, we not only help clients with their digital transformation. IBM also supports them in becoming a sustainable company.
Whether it is within your own value chain or the products you make, IBM provides you with the best services and technology.
Innovative
methods and technologies
Today, we are already working on the financial technology of the day after tomorrow. Discover unimagined possibilities and be the first to benefit from solutions that will change the world of banking in the long term.
IBM Garage
With IBM Garage, we bring you up to speed with the latest technology. You can work quickly, in a pioneering manner and with as much agility as a start-up company. IBM Garage seamlessly combines corporate strategy, design, and technology on an end-to-end journey.
Blockchain
Blockchain allows you to keep transactions transparent, easy and efficient. We replace outdated processes and manual work with new types of cooperation, innovation and increased speed. With blockchain, we create new solutions and achieve tangible results.
Cloud computing
We enable banks to reinvent themselves in hybrid cloud environments along the entire customer journey. With competent advice, implementation support and managed services, we support you in simplifying and accelerating your path to the cloud.
Edge
Edge computing allows you to process large volumes of data right at the source as banking applications move closer to data sources such as IoT devices or local edge servers. We help you to optimize your business processes and renew customer services based on this technical innovation.
Platform-as-a-service
IBM offers comprehensive and scalable PaaS for developing cloud-native applications from scratch or modernizing existing applications to take advantage of the flexibility and scalability of the cloud.
IBM Cloud Pak® for Data
is a unified platform that provides a data fabric to connect to and access data silos – locally or across multiple clouds, without having to move the data.
A proven approach
IBM Garage is a bold, comprehensive approach to innovation, modernization and transformation that quickly creates and scales new ideas that dramatically impact your business. Co-create defines your vision. Co-execute proves the value of your vision. Co-operate scales your solution and your team's capabilities.
How can IBM technology support you
IBM can help you plan a sustainable and profitable path forward with open, AI-powered solutions and platforms. We provide you with deep industry expertise that addresses your goals.
How to start?
Contact us with your business opportunity statements. Where do you want to be?
In four workshops we can discover where you stand today, to kick off your Garage journey and guide you to a target solution
Framing workshop
“We have a range of ideas for initiatives.
We need to decide which one would bring us the most value.”
Discovery workshop
“We have an initiative we’d like IBM to help with.
We need to unpack it in more depth to understand the context better.”
Solutioning workshop
“We have an initiative we understand really well.
Next we need to agree on a target solution.”
Scoping workshop
“We have an initiative and know the target solution.
Next we need to understand what success means and define the scope of an MVP before we get started.”
Make it tangible, build the MVP, iterate quickly, have a basis to further scale, and take the steps to reach the potential future
Realization
Goals
Example areas for banking and the financial market we can support you with
IBM wants to be your partner in the green transformation. We actively seek to work with organizations that share our commitment to local, national and global corporate citizenship and sustainability – committed to solving problems, finding solutions and bringing them to scale.
ESG quantification and assessment
Build resiliency and reduce financial losses. Calculate and understand the financial impact of climate change related risks. Turn data insights into clear priority areas for rebalancing the bank’s balance sheet based on sustainable portfolio targets.
Sustainable operating model
Build an operating model to ensure sustainability is infused throughout the organization. The considerations help in scaling up sustainability, e.g., setting up a sustainability COE to ensure focus and commitment, and a metrics and control tower for progress monitoring.
ESG regulatory reporting and compliance
Facing increasing regulatory requirements, a consistent way of measuring and capturing related data with automating reports creates transparency and saves time. Leverage sustainability reporting to control performance and support marketing initiatives.
Sustainable banking products
Develop new financing and investment products such as green mortgages, green bonds, loans for property enhancements, green mobility, or green funds. Leverage platform and AI solutions to meet sustainability needs of clients and investors.
Solution examples
Banks need to understand how to lower their data centers’ emissions to avoid penalties.
1. Sustainable Banking
Tackling four major challenges the IBM Sustainable Platform offers a frame to solve any challenge, e.g. around data integration, storage, processing and usage. As your partner we can provide you with a data marketplace which enables you to democratize data across your organization.
2. Sustainability One-Stop-Shop
Services with flexible modules can be offered to your clients and your wider ecosystem. Enable your organization across all departments with configurable dashboards, solve challenges such as training or advise your Retail and Corporate clients on ESG matters. We support you with the strategy, trainings, the execution and among others a portfolio of specific solutions such as the IBM’s Green Asset Ratio Advisor, reporting or advisor tools for simulations and portfolio management. Small MVP’s and an iterative approach to create results at the optimum cost.
3. AI and data gathering automatization
We help you to find, access, collect, analyze, check, organize and infuse ESG data to build a basis for a comprehensive ESG data catalogue. Including data sources and structures located anywhere, the integration of third-party-data and added NLP to extract information from, e.g. reports and/or websites.
4. Data integration
IBM operates as an integrator and aggregator, identifying and validating relevant data from multiple sources. Hereby an auditable data foundation for a successful usage and seamless integration into the available application landscape and daily processes is ensured, using it e.g. for investment and credit decisions, risk management or external reporting.
IBM Cognexation
Internal reporting dashboard
Cognitive Extraction until Integration enables connecting channels fast by structuring, scoring and integrating ESG data into the existing landscape. IBM operates as an integrator and aggregator, identifying and validating relevant data from multiple sources. Hereby an auditable data foundation for a successful usage and seamless integration into the available application landscape and daily processes is ensured, using it e.g. for investment and credit decisions, risk management or external reporting.
IBM ESG Calculator
Environmental, social and governance factors are no longer merely set by regulators. They are increasingly becoming important for consumers and investors. To stay relevant, companies need to act now and get clear about their as-is situation.
The Cognitive ESG Calculator Engine helps to find out how sustainable companies are – not only from an environmental but also social and governance perspective. The automated and AI-enabled ESG scoring tool simply needs a company’s sustainability report to calculate a score.
The pressure to be compliant to environment, social and governance factors is rising. Regulators and consumers as well as investors are increasingly more passionate about ESG. Sustainability is no longer a cost factor. In fact, it has turned into a competitive advantage. If companies want to stay relevant in future markets, it’s not sufficient for them to solely comply to the minimum standards in ESG. Instead, they need to get clear about their impact on ESG factors.
ESG Advisor Dashboard
1. The holistic approach to master this sustainable transformation can be tackled challenge by challenge, module by module. The corporate advisor sees everything needed within one dashboard and get's pre-formulated suggestions based on the customer data, past transactions and investments.
2. We enable the sustainable transformation by analysing and solving ESG challenges e.g. with Envizi further more in respect to emissions, energy management and ESG reporting as well as performance.
1. Approaching corporate clients based on sustainable business drivers via ESG Client Analysis along with an intelligent chatbot that has the ability to help guide clients' next steps
2. Using various input factors such as business reports or individual customer surveys and analyze this input for the client
3. Leveraging ESG KYC data models to benchmark organizations across their industry and to mitigate ESG risks through risk profiling
4. Market advantages through further professional qualification of client advisors in the area of ESG identfication/ classification of sustainable assets through support of the ESG Smart Sales Assistant
5. Enabling client advisors to acquire new and follow-up business by providing them with an overview of next best actions leading to qualified ESG advisory services
6. Understanding the KfW funding guidelines in order to include them in the cost calculation of the application from the very beginning and to find matching funding opportunities
7. Simulation of the next best actions using scenario analysis to demonstrate the impact of different actions
8. Providing ESG-related trainings to individually upskill client advisors to become ESG professionals
9. Automatically generate sustainability reports using the collected client data
IBM Carbon Footprint Transformation Advisor
Once the data is captured, integrated, structured and validated, next best actions are proposed and can be simulated, e.g. for a data center.
Within data centers we do have a huge emission saving potential. AI-supported automation functions can be used to optimize IT and business processes. By optimizing processes alone, CO2 emissions can be reduced by more than half. With the use of algorithms that do, with weightable performance indicators, not only take into account classic cost factors when organizing workloads, but also the availability of sustainable energy and a prediction of the carbon intensity, CO2 emissions can even be reduced up to 90%.
Achievements
At IBM, we are passionate about the digital transformation of our clients. However, we want them to be sustainable as well. That’s why we provide them with our long-built expertise. Check out three of our successful achievements in sustainability.
British Petrol
Value balancing alliance
Raise Green
Why IBM?
We live sustainability
IBM has more than 100 years of experience with diversity, inclusion and equality in the workplace, striving for an equal and sustainable future.
We know how to work with data
IBM can integrate, quantify, structure, and benchmark your data using market-leading platforms and AI solutions. Thus, we make it available for your reporting and help you with best practices enhancing your business results and enabling consistent reporting against TCFD parameters.
We can scale your business
High performance and scalability are combined with platforms, cloud and analytics solutions. Our global network of business partners, systematic knowledge sharing, and cross-industry initiatives allow us to leverage specialized offerings and provide clients with as many choices as possible.
IBM Ecosystem
To give customers as many choices as possible, IBM leverages specialized offerings from its global network of IBM Business Partners, building strong relationships to combine the expertise, with technology and growth potential.
Specialized Sustainability Consulting Firms
Industry Consortiums
Sustainability Solutions Provider
Sustainability Consortiums & Initiatives
Strategy Consulting Firms
Universities & Research Organizations
Our Goal is to win relationships, it is not winning a deal.
We do listen and use the garage method to make sure your concerns and obstacles are converted into chances.
We do have the technology and the skilled people to help you in your journey, putting your To Be visions into practice and help you to scale your business.
Let's talk!
Executive Partner Banking
Regulatory, Risk, Compliance Lead DACH
marinela.bilic-nosic@ibm.com
+49 173 7206070
Senior Managing Consultant
Banking & Financial Markets
christina.rohschuermann@de.ibm.com
+49 172 2665833
