Business Process Services

Origination Services

Banks and financial institutions continue to operate in a highly competitive market where providing superior customer service is vital. Streamlining business process services can help them respond swiftly to the changing market conditions and remain competitive.

TCS Origination Services support banks’ end-to-end origination activities, helping them reduce complexity and optimize costs through consolidation of their business processes. We enable financial institutions to accelerate business growth through faster customer onboarding, and manage unpredictable volumes through enhanced agility.

The TCS Advantage

ValueBPS: Our ValueBPS approach helps enterprises achieve significant and sustained business outcomes by leveraging our deep domain expertise and operations redesign methodologies such as FORE™. Our approach also encompasses robotic process automation (RPA), analytics and insights, our unique IT-BPS synergy, Business Process as a Service (BPaaS) models, and business process management (BPM).

Industry Domain Expertise: Our team of certified experts has extensive experience in providing end-to-end Origination Services across retail banking, cards, and mortgages.

Analytics and Insights: Harness TCS’ analytics services to generate a holistic view of customer behavior and market dynamics.

BPaaS Platform: TCS BαNCS is an end to end suite of solutions for banks, capital market firms, insurance companies and diversified financial institutions. Each solution in the TCS BαNCS family is scalable and robust and fully integrates with existing business models, enterprise infrastructure and technology architecture.

Solutions We Offer

  • Sales/New Application Processing
  • Credit Evaluation
  • Pre-Underwriting/Underwriting
  • Document/Data Verification and Closing
  • Account Opening, Setup and On-Boarding
  • Customer Due Diligence
  • Know Your Customer (KYC)
  • AML Checks
  • Fulfillment
  • Day 2 Reviews/Controls
  • Records Management
  • Supporting and Settlement Services
  • Secondary Market and Post Funding Services


  • Over 65% reduction in mortgage fulfillment cost
  • 50% reduction in underwriter processing time
  • Up to 30% improvement in straight-through processing (STP)
  • Up to 90% reduction in account opening errors
  • Up to 60% reduction in fulfillment processing time
  • Up to 50% faster customer onboarding
  • Up to 25% reduction in turnaround time (TAT) for account opening

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