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.

Nation’s Most Widely Used, Dedicated Bank Collection and Credit Union Software Delivers Unique Advantages in Turbulent Economy

When it comes to winning mindshare—and market share—being first is half the challenge. Keeping the lead is the other half. Twenty years after launching the industry's first bank collection and credit union software for delinquent account management, IBS is still winning.

Today, IBS bank collection and credit union management software solutions are licensed to 3,000 users in 900 financial institutions across the US—more than any other dedicated product for collections and special asset recovery. This number will keep growing, first and foremost, because of the economy. But also because of the unique competitive advantage IBS enjoys with its singular debt management focus, premium product and widespread market penetration.

Economic Turbulence Drives Need for Automation

Since the US economy began its downward spiral in 2008, financial institutions have been struggling to keep up with rising delinquencies and bankruptcy filings. Investors, insurers and guarantors have tightened collections requirements and monitoring activities—while state and federal regulatory agencies have stepped up the policing of collections and recovery practices.

In these conditions, performing work in an accurate and timely fashion is more important than ever—especially when the cost of non-compliant sold, insured and guaranteed loans is so high. Non-interest income growth is equally important. As a result, automation has become essential. And in the area of integrated collections and special asset recovery management, IBS bank collection and credit union software is far superior to the basic, collection tracking products offered by many core processing systems providers.

IBS Only Choice for Integrated Collection Management; Asset Recovery

The depth and breadth of functionality is a major IBS advantage. Now in it's fourth generation, IBS bank collection and software for credit unions is based on contemporary industry standards. It leverages advanced Microsoft technology and is the only solution with the flexibility to run on the desktop, via browser or in a mixed desktop/browser environment.

Today, IBS CARM-Pro™ (Collection and Asset Recovery Manager - Professional) is the only completely integrated delinquent account management/special asset recovery solution available. CMS-Pro™ (Collection Management System - Professional) and ARM-Pro™ (Asset Recovery Manager - Professional) run as stand-alone products or combined in a dual-purpose environment.

IBS software is also easily extended to interact with collector-related systems such as integrated voice messaging, LexisNexis information management, imaging, pay-by-phone and repossession management. It supports popular insurance provider solutions and includes a third-party module for custom interface development to and from IBS technologies. These value-added capabilities make IBS software a smart investment for the vast majority of the country’s banks and credit unions.

Strong Partner Network Stretches Reach

Technology performance and flexibility aside, IBS enjoys a tremendous US market presence and a strong partner network that will continue to stretch the company’s reach as it heads into the New Year. This is a significant advantage the company will sustain as it grows in favor with leading providers in the US financial industry.