IBS has a huge advantage as CARM-Pro is the only product IBS offers, we only have one software for banks and credit unions. When clients call IBS, they need not walk a phone tree to try to locate a resource with “some” knowledge of the collection system, as every employee at IBS 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. IBS does not have to balance its software development resources across multiple products. 100%$ of IBS’ software development funds go to CARM-Pro – collection software for banks and credit unions.