IBS is focused on helping financial institutions increase their profitability, reduce risk, and drive optimal productivity within their organizations. Since 1989, IBS has been exclusively dedicated to providing real debt management solutions to the banking industry; assisting their teams in reducing charge-offs, lowering departmental operating costs, and increasing recovery income. IBS provides the most widely used banking collections and recovery software platform in the US market, having licensed the system to almost 900 financial institutions. Our powerful desktop and browser software allows organizations to maximize collector productivity and automate the tracking of delinquent accounts, foreclosures, repossessions, and bankruptcies. Improved staff productivity and powerful recovery tools also allow our clients to increase recovery revenue on charged-off accounts. Our solutions allow our clients to remain compliant with internal and external policies and regulations regarding the collection of delinquent accounts. The IBS solution is suported in both data center/holding company as well as in-house environments; from single to multiple-core processing vendors, for all delinquent receivables: installment, mortgage, or commercial loans, credit cards and negative balance deposit accounts.