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The smart solution in an ever changing world

SmartCore is specifically designed to evolve as your organisation’s needs change.  Whether it's a restructure within your organisation, a merger or acquisition, a new regulatory requirement, more agile ways of working or changed reporting needs, SmartCore can adapt to meet these changes without the need for any coding.


Many of Ninth Wave’s customers have been with us for more than 10 years, which is a testament to our ability to configure and deploy SmartCore to meet new and changing requirements.  In the case study below CMT, the SmartCore solution at Lloyds Banking Group, has evolved in recent years to support their ever changing needs.


SmartCore is referred to at Lloyd’s Banking Group as CMT (Change Management Toolkit).  CMT was first deployed in 2006 in the Consumer Banking business unit, providing status reporting and project financials.  By 2007 the system was deployed group wide to provide governance and compliance, portfolio planning and resource capability management, supporting more than 8,000 users and 2,000 active projects.  In 2008 Lloyds TSB merged with Halifax Bank of Scotland (HBoS) and CMT was used to support the many integration projects leading to a fully integrated group by 2009.  The divestment of TSB Bank took place in 2013, with both Lloyds and TSB then operating their own SmartCore systems.  In 2018-19 Lloyd’s reorganised its business units to form value streams, as part of a digital transformation programme aimed at simplification and modernisation and more agile and efficient ways of working.  Throughout this journey, SmartCore CMT has continued to adapt and evolve to meet the changing needs of the Group.

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