The same three key areas are at the heart of solutions from every provider - Technology, Processes and People. The differences come in how each provider builds and maintains its expertise in each area. At IFDS in all three areas we are committed to ongoing investment, to continuous improvement, and a dedication to provide best of breed solutions.

In technology this manifests itself in the following principles:

• Purpose built for the third party business
• Single code set
• Systems to be scalable and robust
• Integrated workflow management and access to documents
• Customisable to let clients maintain and develop their own unique propositions
• Easy access to data and MI
• Support flexible service models
• Continuous improvement in the application of technology to assist our business
• Modular approach to ensure that change can be made at the right time and cost