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TCS BaNCS Global Banking Platform
Payments Processing
Treasury
Open Banking
Marketplace
Micro�nance
Cloud APIs
Real Time Payments
Exemplifying the principle of abundance and mass personalization, the open design and architecture of TCS BaNCS can help banks connect with customers, Fintechs and partners in a collaborative and agile manner, thereby leveraging the power of larger and connected ecosystems.
What your bank needs is a trusted, reliable and experienced technology partner who can help give your customers the solutions they need tomorrow, today. The TCS BaNCS Global Banking Platform is a solution that enables this for you. Deployed across retail, corporate, private, Islamic banks of varying sizes, co-operatives, non-banking �nancial institutions, micro-lenders and credit unions, the TCS BaNCS solution o�ers the largest collection of components, enterprise and consumer apps made available through the cloud and on-premise, helping �rms become more agile and intelligent. Recognized and ranked consistently as a leader by industry experts worldwide, the solution has been installed across more than 450 sites worldwide.
Digital First, Cloud First Banking
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At TCS BaNCS, we are working on the strategy of Digital First, Cloud First. TCS BaNCS enables you to o�er products and services to your customers throughout their lifecycle, and journey with your bank, based on their anticipated requirements, and over the devices of their choice. It is an integrated solution comprising innovative and
adaptive digital apps and a high performing processing engine supporting a suite of a wide range of products and services covering assets and liabilities, cash and securities, and is deployed to �t the business and operating model of a bank with an assured 24x7x365 availability.
All banks today are keen to be seen as innovative, intelligent and intuitive. Innovative, in that they are using digital technologies to enable a rich and superior customer experience. Intelligent, in that they tap into Arti�cial Intelligence in the form of advanced analytics, Machine Learning and conversational assistants to know customers and let customers know their own banks better, and position personalized, contextual solutions to the customer at the right time and place, without being intrusive. Intuitive, in that they are able to predict future customer needs, and in order to harness the bene�ts of rapidly evolving technology, design technology that is future proof.
How can your bank redesign the experience you give to your customers across their life and purchasing journeys?
Can you take up the challenges that open banking brings and embrace it to rede�ne your business models, invest in partnerships to enhance revenues from larger, connected �nancial ecosystems?
How can you leverage emerging and disruptive technologies to automate business processes and make transactions more e�cient, even while you adhere to regulatory and security needs, and make the necessary cultural changes in your organization?
Infrastructure
Data Layer
Transaction Services
Analytics | Automation | AI
Experience APIsOpen APIs
RESTFUL Open Banking APIs – OBF / IFX/BIAN
Embedded Intelligence in Core Banking Processes
Alternative databases Data lake oriented approach
APIs for Smart Banking-Customer & Enterprise
Componentization manifested as Microservices Architecture
Market Infra
Innovation Labs
Partner Banks
Fund Manager
Utilities Insurance
Developers
Fintechs
eRetailer
Container based deployment and scaling out DevOps based CI-CT-CD
In-houseEcosystem
TCS BaNCS APIs , BaNCS Sandbox , QUARTZ Smart DLT Solutions, BaNCS Network
Optimizing OPEXScale out on demand
DevOps oriented
TCS BaNCS Digital with Hybrid Architecture and BaNCS App Development Kit
enabling Market Places
Evolving Core Architecture
Enabling Ecosystems
Embedding Intelligence
Scaling with Cloud
Gaining Insights from Data
Connected Experience
Componentization, MicroservicesContainerization
Continued alignment with BIAN aligned componentization & TCS BaNCS Microservices
AI, NLP, ML Self Healing , Auto Learning based STP
Embedded AI/ML enabled Zero Touch approach AI/ML enabled system operations
40+ Analytics Models available, Integration into Data Stores
with Data extracts , Data APIs
The solution’s integrated analytics engine is designed to give you deep insights from varied sets of data across multiple channels, customer behavior and needs, and enterprise performance. The extensive and varied domain experience and knowledge gained from deploying the TCS BaNCS solution over more than 450 banks worldwide, has resulted in the creation of a number of descriptive and predictive analytical models which add value in all channels of engagement with customers—be it through an enterprise user or self-service digital channels.
Putting Arti�cal Intelligence (AI) to work by enhancing the e�ciency of the operations of a bank is now an integral part of our product strategy. Embedding AI techniques like Natural Language Processing (NLP) and Machine Learning (ML) into the Digital core, TCS BaNCS brings innovative solutions such as a Conversational User Interface to augment customer servicing capabilities. ML techniques make it possible to enhance operational e�ciencies with better exception management in manual e�ort intensive processes such as reconciliations, compliance (AML) and others.
The TCS BaNCS AdvantageThe TCS BaNCS solution directly impacts a bank’s most critical performance areas–-customer engagement, business agility, organizational productivity, operating costs, and regulatory compliance–all of which have a bearing on its pro�tability. Our customers have used the solution to achieve impressive and tangible business goals as illustrated in the graphic.
By empowering our customers to embrace risks, leverage new and extended ecosystems, and create exponential value---which are key elements of the TCS Business 4.0TM framework --- we are able to foster growth and transformation, equipping �nancial institutions with a clear and di�erentiated advantage.
Lower TCO
Increase Customer Base
Pro�tability Ratio
New Product Time-to-market
Increase Pro�ts
48
300
100
2130
20%
40%
100%
300%
TCS BaNCS delivers substantial results to banks, through:Improved return on investment and reduced total cost of ownership
Enhanced e�ciency through automation of standardized and simpli�ed processes
Organic and inorganic growth with unmatched performance and scalability
High �exibility and con�gurability supporting a variety of banking models
Ease of integration through in-built service integration capabilities
Transforming to the True Digital Core With TCS BaNCS, your bank will be able to create a strong Digital Core to bring in true and end-to-end transformation--right from distribution channels and to the core processing engine. The strong Digital Core of TCS BaNCS can expand the art of the possible by making business transactions and services highly secure, easy to integrate with, alongside functionally granular APIs available in the larger ecosystem that the bank is operating in. This approach of API based banking, while at one end, enables the customer of the bank to leverage her account as a powerful means to transact based on her consent and subject to her authorization and, from another end, brings customers of other service providers into the bank in a seamless manner, enabling opportunities for exponential growth.
TCS BaNCS for Banking services more than 25% of the global population.
Two of the world's largest core banking implementations run on TCS BaNCS, processing 1BN accounts.
Strong and complete integration framework that include adaptors for interoperability with evolving industry solutions, including those that are based on Blockchain.
A co-existence capability, which aids in migrating from a traditional core banking to a modern Open Banking-oriented solution.
TCS BaNCS is built on a modern and open architecture embracing best-in-class principles, giving the solution a future proof edge. The n-Tier Java-based, cloud friendly architecture adopts best practices such as:
Elastic scalability enabled by container based deployment and microservices-oriented product development.
All content / information present here is the exclusive property of Tata Consultancy Services Limited (TCS). The content / information contained here is correct at the time of publishing. No material from here may be copied, , reproduced, republished, uploaded, transmitted, posted or distributed in any form without prior written permission from TCS. Unauthorized use of the content / information appearing here may violate copyright, trademark and other applicable laws, and could result in criminal or civil penalties.
Copyright © 2018 Tata Consultancy Services Limited
IT ServicesBusiness SolutionsConsulting
About Tata Consultancy Services Ltd (TCS)Tata Consultancy Services is an IT services, consulting and business solutions organization that delivers real results to global business, ensuring a level of certainty no other can match.TCS ers a consulting-led, integrated portfolio of IT and IT-enabled infrastructure, engineering
TMand assurance services. This is delivered through its unique Global Network Delivery Model , recognized as the benchmark of excellence in software development. A part of the Tata Group, India’s largest industrial conglomerate, TCS has a global footprint and is listed on the National Stock Exchange and Bombay Stock Exchange in India.
For more information, visit us at www.tcs.com
About TCS Financial Solutions
TCS Financial Solutions is a strategic business unit of Tata Consultancy Services. Dedicated to providing business solutions to �nancial institutions globally, TCS Financial Solutions has compiled a comprehensive product portfolio under the brand name of TCS BaNCS. The TCS BaNCS universal �nancial solution is designed to help �nancial services institutions enhance end customer experience, enabling them to embrace open and innovative technologies that embody true digital customer engagement. Deployed at more than 450 installations worldwide, it is the largest collection of components, enterprise and consumer apps for the �nancial industry made available through the cloud, helping �rms become more agile and intelligent by leveraging the power of new and extended ecosystems.
To know more about TCS BaNCS, please visit: http://sites.tcs.com/tcsbancs/ or write to us at [email protected]