http://www.ibm.com/services/us/gbs/bus/html/bcs_banking.html?cm_mmc=agus_cxobankpilt-20091104-uscxv008-_-v-_-dynamic-_-daily IBM banking solutions enable improved time to market and efficiency, thus helping banks take on four key challenges: revenue enhancements, expense reductions, consolidation, and regulatory requirements.