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      TCS is here to make a difference through technology.

      Leading the way in innovation for over 55 years, we build greater futures for businesses across multiple industries and 55 countries.

      Discover all solutions
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      • Consumer Packaged Goods and Distribution
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      22 May 2025 TCS to Steer Cloud Migration Program for Finnish Telecom Leader DNA in a Five-Year Partnership
      15 May 2025 TCS Recognized as One of the World’s Top 50 Brands by Kantar BrandZ; Brand Value Soars 28% YoY to $57.3Bn
      14 May 2025 TCS Partners with Khan Bank to Future-Proof its Operations, Enhance Customer Experience and Propel Innovation leveraging AI and ML
      View all
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      02 May 2025 TCS Ranked Denmark’s #1 IT Service Provider for Customer Satisfaction in 2025
      11 Apr 2025 TCS Partners with Google Cloud to Accelerate AI-led Transformation in the Retail Sector
      01 Apr 2025 TCS Unveils the TCS Digital Twindex Report for Future-Ready Manufacturing
      View all
    • Analyst recognition

      Recent recognitions

      16 May 2025 TCS Recognized as a Leader in Custom Application Development Services by Everest Group
      16 May 2025 TCS Named a Leader in Application Management Services by Everest Group
      22 Apr 2025 TCS Ranked #6 Amongst Banking Technology Providers and Recognized as a Regional Leader across all Geographies by Everest Group
      View all
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      11 Jun 2025 TCS and PTC Present the North America Leadership Forum 2025
      11 Jun 2025 TCS at UK’s Future of Utilities Summit 2025
      04 Jun 2025 Veeva R&D and Quality Summit: Developing Better Health Outcomes
      View all
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      Tata Consultancy Services Limited
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    • Research Report

    Role of CROs in Retail Banking

    The function of the CRO is a dynamic and constantly evolving one

    Share New Trends & the Evolving Role of CRO Function in Retail Banking
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    Download PDF for New Trends & the Evolving Role of CRO Function in Retail Banking Download PDF
    The CRO Function in Retail Banking: From Gatekeeper to Product Designer (16 pgs)
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    In the past, retail banking customers visit a bank branch to meet and transact with someone face to face – a situation that has largely disappeared. Retail products now tend to be digital, and many aspects of retail finance capabilities are increasingly analytical, focusing on data, price optimization, and processing speed.

    This TCS-Chartis research report looks at the CRO function’s overarching delivery mechanism and the centralization and restructuring of the risk unit currently occurring in many financial institutions. Crucially, it examines the increased externalization of the risk function, its broader role, and the changing nature and impact of the services it delivers to the wider organization.

    For organizations looking to transform their CRO function due to the evolving nature of the business landscape, this report delves into:

    • How the risk function in retail banking is evolving
    • Integrating the risk function into product and consumer-facing functions
    • Retail externalization and centralization in financial planning and wealth management
    Download PDF

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