Intelligent Banking Solutions has a huge advantage as CARM-Pro is the only product Intelligent Banking Solutions offers, we only have one software for banks and credit unions. When clients call, they need not walk a phone tree to try to locate a resource with “some” knowledge of the collection system, as every employee has one job – collection software for credit unions and banks. That team member sells, installs, supports, develops, and bills you to use this one product. Intelligent Banking Solutions does not have to balance its software development resources across multiple products. 100%$ of Intelligent Banking Solutions’ software development funds go to CARM-Pro – collection software for banks and credit unions.