IBM Cloud for Financial Services

whitePaper | December 5, 2022

It is all but impossible to avoid a discussion about the effect of inflation these days. Clearly, the public believes inflation is here as they pay more for everyday items than in the past. And most are not too caring if it is a temporary phenomenon caused by supply chain issues or more systemic from monetary policy actions. More cost is more cost. To financial institution managers, the prospect of inflation signals hope that interest rates may finally climb off the floor and provide opportunities for higher yields. The real question is if rate increases will improve margins, not just yields.

whitePaper | April 11, 2023

Digital transformation has become the buzz of the financial services industry ever since COVID-19 came on the scene. A landscape that had begun bubbling with potential quickly hit a boil when even digital naysayers were required to leverage the technology for standard monthly transactions. For many financial institutions (FIs), that rapid transformation to a digital-first mentality greatly impacted technology prioritization and business objectives.

whitePaper | October 1, 2022

Some of the best innovations come from recognizing pain points and having the resolve to alleviate them. The scope of fintech became visible over a decade ago, when the success of mobile money brought into sharp focus the potential inherent in the combination of finance and technology – with innovation and empathy.

whitePaper | April 30, 2022

As the demand for real-time payments grows, so does the need for financial institutions (FIs) to offer more robust access to faster and more efficient payments. The Clearing House’s (TCH’s) RTP network laid a solid foundation for use cases and connectivity protocols, but some FIs have been waiting for FedNow before deciding how to move forward. FedNow is finally about to launch.

whitePaper | January 3, 2023

It’s not taught in universities or business schools. At public accounting firms, it’s a “nice to have” but not especially relevant for their young, technically proficient auditors. And for the many today who then land corporate jobs at venture-backed startups, it generally takes a back seat to a cavalcade of seemingly more pressing priorities.

whitePaper | November 14, 2019

Municipal bond funds experienced strong flows in 2019, as tailwinds from the country’s new tax code (the 2017 Tax Cuts and Jobs Act “TCJA”) and low interest rates found investors flocking to the asset class for the tax benefit. Add in strong year-to-date performance, and investors may be asking if they missed the boat and if it’s too late to invest in municipal bonds. Yet, there are clear and distinct reasons why municipal bonds are still an attractive investment for investors today.