B2B Payments

IBM Helps Santander Boost Productivity With iOS Apps


Spanish bank Santander is developing mobile apps with IBM in an effort to boost the performance of the bank’s employees working clients, including corporates, small businesses and consumers.

An announcement made by the financial institution Monday (Feb. 27) said it is working with IBM to develop the apps for Apple devices used by their employees across the bank’s divisions. The apps will help employees improve productivity, the companies said, and will focus on providing real-time visibility into the latest services and products offered by the bank so those employees can offer their own clients the best recommendations.

The first set of apps will focus on achievement and risk management, Santander noted. Its Achievement Overview app will enable managers and supervisors view “achievement indicators” for their particular branch locations, while Easy Risk will provide mobile access to capital requirement and risk management metrics.

“Innovation is one of Banco Santander’s identity signs,” said Javier Cuenca, managing director T&O Area at the bank. “Collaborating with IBM will help us accelerate our digital transformation and improve the client experience to anticipate customer needs.”

IBM and Santander explained that all apps created will integrate with Santander’s existing back-office systems, allowing employees to have access to real-time bank data. In another statement, IBM highlighted its partnership with Apple as driving the latest services for Santander.

“Santander is committed to reinventing how it conducts business, beginning with creating new ways for bank employees to engage with business customers for an exceptional banking experience,” said Gareth Mackown, who is IBM’s European Mobile and Apple Leader. “Through our partnership with Apple, we’re putting innovative, data-driven mobile solutions in the hands of Santander’s employees to empower them with information that transforms the way they approach customer service.”

While Santander is building out its enterprise apps for its own employees, the bank has also introduced new mobile capabilities for its customers. Earlier this month the bank launched support for voice recognition in its mobile app, SmartBank, also for iPhone.



The pressure on banks to modernize their payments capabilities to support initiatives such as ISO 20022 and instant/real time payments has been exacerbated by the emergence of COVID-19 and the compelling need to quickly scale operations due to the rapid growth of contactless payments, and subsequent increase in digitization. Given this new normal, the need for agility and optimization across the payments processing value chain is imperative.

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