IBM over the years has helped financial services clients in Europe and across the globe transform their business with the right infrastructure, software solutions and deep industry expertise. The future value lies in applying technologies such as API, Blockchain and AI to reduce friction in money flow and reinvent payments services to meet the new demands of retail and corporate banking customers. The source to future value also lies within a company’s ability to use internal and external information and through data science obtain business insight,  leveraged in conjunction with above or on its own to achieve a specific business need.