The Government sponsored COVID CAREs Act is putting pressure on banks to process unprecedented volumes of new loan applications from small business and to rapidly disburse funds to approved applicants or modify existing loans in a short period of time. In addition, they are being tasked to accommodate requests from consumers to delay mortgage payments. Many banks do not have internal automated systems with sufficient capacity and safeguards to react to the spike in applications, ensure that processes are in compliance and protect against fraud.  IBM has the resources and expertise to help.