Personalization means four different things in your bank. Build it once. ​

The shared AI backbone for modern banks, powered by Microsoft.
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Great at pilots. Stuck at scale. Sound familiar? ​

 

Retail, mortgage, wealth and commercial each define the customer differently, so each one rebuilds the same AI from scratch. IBM Consulting builds the shared foundation on Microsoft that lets every line of business apply the same patterns to its own definition of the customer.

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Scaling AI across the bank 94% Of banking overhauls run late


Large modernization programs rarely finish on schedule. A shared foundation lets each new line of business build on what’s already done. ​1

 24% Projected gain in compliance accuracy


Banking leaders expect agentic AI to lift compliance accuracy by 2027, a sign that governed AI can reduce regulatory risk instead of adding to it. 2​

 56K+ Microsoft Azure certifications


IBM Consulting brings deep Microsoft expertise to building the governed data and AI foundation banks need to scale with confidence.​

From AI experimentation to enterprise adoption​

See how Nationwide Building Society partnered with IBM and Microsoft to establish an AI Center of Expertise, strengthen governance, and create the capabilities needed to develop, test, and deploy AI responsibly across the enterprise​

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Insights

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The blueprint for agentic operations

New IBM Institute for Business Value research finds 40% of banks lack confidence their operating model can absorb AI-driven disruption, and only 28% run an agentic operating model today. See what closing that gap requires.​

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One build, extended across the bank

See how Virgin Money worked with IBM and Microsoft to build an AI assistant on Azure, starting with credit cards specifically so the platform could extend to other products.​

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2026 Global Outlook for Banking and Financial Markets


Based on a survey of 500 banking executives, this outlook examines how tokenized settlement, modernized computing, and agentic AI are reshaping the sector. 57% say tokenization will significantly strengthen agentic AI.​

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Purpose-built for banking and financial markets


See what banking and financial markets CEOs say about agentic AI, and how IBM Consulting and Microsoft help turn disconnected technology into measurable returns.

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Ready to take the next step?

Tell us where AI is stuck across your lines of business. An IBM Consulting expert will follow up to talk through your use cases, your current Microsoft environment, and what it would take to scale.

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Footnotes

1 IBM Institute for Business Value, The 94% core banking problem, IBM, 2025.
2 IBM Institute for Business Value, The blueprint for agentic operations: Banking and financial markets, IBM, 2026.