success story

Bank Yahav Deploys CTS with TCS BaNCS

TCS BaNCS enables Bank Yahav to deploy an automated Check Truncation System in 3 months.

Bank Yahav
Core Banking


Bank Yahav wanted to meet CTS compliance in just 6 months as per regulatory norms.

Bank of Israel mandated to replace legacy physical check-driven clearing processes with a next-gen automated Check Truncation System (CTS). However, the Electronic Check Clearing Law was finalized only in 2017, two months after Bank Yahav had completed core banking transformation. Bank Yahav needed to immediately reconfigure payment processes and implement CTS strictly within November 21, 2017, on the same day when all banks across the country would go compliant. 


TCS BaNCS for Payments was deployed, completing CTS implementation in less than 6 months.

While banks across Israel had been working on CTS implementation for two years, Bank Yahav’s core banking transformation project left them only six months to implement the change.

 All the functionalities required by the market (such as check conversion to digital format, electronic image processing for later use, deposit via cellphone facility under certain conditions, and computerized reports) were accurately configured in just three months, well before the stipulated deadline.

In addition to improving the standard inward & outward clearing function to support CTS-compliant imaging, TCS BaNCS for Payments was customized to meet image sourcing and quality-control needs. Features were added that would allow Bank Yahav to handle requests for rescanning, creating indemnity letters, and respond to similar requests from other banks.

”We were able to meet the deadline, thanks to the close partnership between Bank Yahav and TCS”.

Gadi Davidyan, EVP & CIO, Bank Yahav



Bank Yahav gains from fully-automated check clearing with a flawless deployment cycle.

The CTS implementation initiative unlocked several benefits for banks across the country, including costs and effort reduction as well as new distribution channels. TCS BaNCS helped Bank Yahav avoid common pitfalls on the implementation pathway and preempt any post-implementation hurdles.


checks captured at a time by a teller


potential reduction in cost of depositing checks

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