The Origination solution from TCS BaNCS allows financial institutions to offer a full range of products and services through the web, call centre, IVR and mobile channel, all managed through a safe and secure authentication process backed by a robust rules engine and workflow management application.

The Origination solution from TCS BaNCS provides support throughout the entire customer lifecycle, from financial calculators to real-time decisioning, origination, fulfillment and servicing.

Through a single solution, it simplifies the loan management process across a wide range of lending products: Consumer Credit facilities, Personal Loans, Home Loans, Commercial Loans, Leasing Finance and more.

The underlying rules engine reduces the need for manual intervention during the lending process, which in turn lowers operational risk. Also, flexible configuration options allow for the rapid creation of new rules, enabling accelerated time-to-market for innovative new products and services.

The workflow builder capabilities of the Origination solution from TCS BaNCS help organizations to define processes that mesh with existing policies and procedures, fostering streamlined business operations. A complete range of business processes are supported, from fully-automated processes with automatic approval, to exceptions management using defined escalation paths for manual assessment and processing. The solution includes management tools for task generation, maintenance and closure.

The combined capability of the rules engine and workflow builder helps financial institutions to achieve straight-through processing with standardized processes – maximizing efficiency and minimizing risks.

The end result is improved productivity and efficiency, lower total cost of ownership, and increased customer satisfaction, resulting in sustained growth and customer retention.

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