Using our depth of experience in the Financial Services industry, we have developed a solution to streamline retail banking, known as Integrated Banking of the Future™ (IBF). Essentially IBF delivers a service-based process-centric solution for the most critical retail banking processes and is designed to work with the banks’ existing front-end and back-office applications. IBF-Ready™ is a cost-effective option that leverages the powerful concepts of SaaS and Cloud Computing, to bring simplicity, ease of access, lower cost and flexibility to the Bank. This SaaS version of Princeton Blue IBF features minimal dependence on a bank's IT systems, and eliminates software and hardware licensing and maintenance costs. It can enable rapid ROI through much faster time-to-market and pay-as-you-scale models that can be customized for a bank's unique BPM and growth strategy.