CARM-Pro - The most widely used collection and recovery software in US banking.
IBS: Dedicated to Collection and Recovery Software and Automation in the Banking Industry Since 1989
CARM-Pro - Licensed to almost 900 Financial Institutions Since 1989.
ARM-Pro - The most widely used Recovery and Special Asset Tracking software in US Banks and Credit Unions.
CARM-Pro - Credit Union and Bank Collection Compliance Software for todays turbulent times.
CARM-Pro - The most widely used independent bank collection software in US banking.

Bank and Credit Union Software Solutions from IBS: America’s leading collection and recovery software.


The IBS Client Service Team - Industry Superior Performance by superior performers.

IBS (Intelligent Banking Solutions, Inc.), is exclusively dedicated to collection and recovery software for the banking industry since it's inception in 1989. IBS' bank software solutions have been licensed to almost 900 financial institutions.

IBS technology strengthens banks and credit unions, with superior bank collection compliance software, enhanced tracking for foreclosures, repossessions and bankruptcies, while supporting bank management software initiatives with enhanced “C” level tracking tools.

As a privately held NH corporation, IBS is afforded the luxury of staying explicitly focused on long term collection and recovery automation success, lacking varying pressures of venture capitalists, outside industry funding sources or external/public stockholders. IBS practices what is fast becoming the long lost art of defining long term successful strategies, and doing what is long term best for the client, thus for IBS.

IBS does not get distracted from its central mission and purpose of providing the most dynamic, targeted bank software solutions. This focus ensures that IBS clients will reap the short and long-term benefits of having a dedicated business partner with a clear focus only to improve and enhance their collection and recovery technology.

Partner is not a term bantered loosely at IBS. Partner applies to our clients, to our employees, to our relationship channels (whether "channels" are core servicing system providers, or collection industry specific solution providers).

A strong partner culture combined with such an explicit focus yields client driven enhancements like a further refined user interface for more power yet simpler use, an integrated suite of voice messaging options including a predictive dialer (software as a service – so no telephone hardware or software must be purchased, installed or maintained), full integration with the complete set of LexisNexis batch products, or accepting checks and debit cards via telephone – a few highlights of the December 2010 system release. A goal of every new release is balancing 1/3 of change driven by clients, defining their use needs, 1/3 based on IBS Marketing and Sales team input as seen and heard from market driven needs outside of our client base, and 1/3 from our product development team – to ensure the systems foundation stays contemporary.

Built on and using the latest Microsoft technology (.Net, SQL Server), scalable (de novo to $40 billion), flexible ("fixed" configuration hosted small institution targeted to custom configured in-house large client capable – and all sizes and needs in between), IBS technology provides the ideal long term investment to help your institution succeed in aggressive goals in challenging economic times.