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Higo Bank in Japan cut loan-processing times nearly in half, increased its efficiency by 40 percent and eliminated 1.5 million sheets of paper wasted annually when it engaged IBM Business Consulting Services to design and implement a finance-management system. Higo Bank wanted to improve customer credit risk management and upgrade credit control and promotion of loan service. This was solved in collaboration with IBM Business Consulting Services who used leading technologies and solutions to virtually integrate disparate databases that have been controlled by separate operations and enable realtime system interoperation.

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