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    • Banking
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    TCS BFSI Business Model Transformation Services

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    Highlights

    • Financial services today involve a complex network of players coming together as an ecosystem to deliver comprehensive, value-enriched journeys for customers.
    • The ecosystem model, however, throws challenges regarding infrastructure options, architecture models, information management, and agility to respond to evolving business models.
    • TCS BFSI Business Model Transformation Services enable organizations to build agility and drive success with foundation readiness in architecture, integration, and infrastructure.

    On this page

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    Our solution   inpage
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    Overview Our solution Benefits TCS advantage

    Overview

    The banking and insurance ecosystem is undergoing a paradigm shift.

    It is not just the way transactions are conducted that is changing, but also the nature of products and services being offered. By being at the heart of all payment transactions and insurance covers, BFSI organizations are part of customers’ everyday life. To make the most of this, they must drive continuous innovations and forge partnerships with other players in the extended ecosystem to generate immense value for end-customers as well as their business. 

    As customer expectations for digital, hyper-connected financial services rise exponentially, and market regulations become favorable for the entry of third-party entities into the financial ecosystem, there is new competition for incumbents. At the same time, this also brings in new opportunities through integration of business models for growth. 

    Increasing digital readiness and adoption across enterprises and customer segments, and increased competition and margin pressures are compelling BFSI organizations to extend beyond banking services through purpose-driven business models and explore alternative revenue streams through distribution and monetization of data and services. This will require organizations to go the ecosystem way. In doing that, BFSI firms will need to address challenges with respect to multiple infrastructure options, architecture models, information management as well as heavy technology debt, and lack of agility for evolving business models. 

    For financial institutions operating in an ecosystem, a critical imperative is to accelerate the development and launch of new products and services that allow users to fulfil a variety of needs in one integrated experience. The banking organization of the future will need to leverage APIs and cloud to deliver a portfolio of solutions that can be integrated and orchestrated to suit a consumer’s individual context in any given moment and enable customer journeys that fulfil various needs and aspirations.

    Our solution

    TCS BFSI Business Model Transformation Services enable organizations to become agile and ensure foundation readiness in architecture, integration, and infrastructure.

    TCS enables BFSI firms to prepare for the future of financial services ecosystem with:

    Ecosystem adoption strategy

    • Blueprinting for differentiated and non-differentiated business capabilities
    • Ecosystem strategy for purpose-driven business models and reduced time to market 
    • Value enrichment beyond banking with cross-industry use cases
    • Adaptive integration fabric for a complex hybrid ecosystem enabled by application programming interface (APIs) and microservices architecture (MSA)
    • Business process reimagination and value creation with right-fit partner analysis and integration services

    Cloud-enabled models

    • Core to cloud transition advisory and adoption strategy
    • Data on public cloud—factory model migration and decommissioning
    • Domain-driven cloud adoption propensity
    • Cloud exit and portability strategy with hybrid, multi-cloud adoption
    • Application right platform as precursor to cloud migration
    • Largescale container adoption in private cloud

    BIAN adoption

    • Business-IT alignment and enterprise line of business (LoB) blueprinting
    • Enterprise service buses (ESBs) to standardized APIs and microservices, cloud and domain-driven design (DDD)-based right-sized services
    • Core systems repurposing to coreless banking
    • Business capabilities to vendor solutions mapping and integration standardization
    • Customer journey creation, reimagination through acquired capabilities (by way of M&A) 

    Speed to market

    • Value chain (product, feature, or capability) assessment and analysis for speed to market 
    • Visual time map representation across various stages of product, capability, feature implementation to measure the speed to market

    Emerging technology advisory

    • Advisory to unlock ecosystem business potentials with scale and speed
    • Design thinking-led business model reimagination
    • Strategy to go beyond digital transformation hurdles and set growth stage
    • Fast-track delivery of differentiated and production-ready MVP that could be foundational and future-proof

    Benefits

    TCS BFSI Business Model Transformation Services enable businesses to create ecosystems tailored to specific needs of financial institutions.

    With our services, BFSI firms can reduce the time to market for new offerings and ensure seamless integration for ecosystem play. 

    TCS’ services help: 

    • Build purpose-driven ecosystem models for accelerated launch of new and innovative products and services
    • Extend customer reach for new acquisitions, distribution, fulfilment and servicing through new partners and channels
    • Deliver architecture-readiness for business capability value enrichment through industry standards adoption and scalable hybrid cloud models
    • Achieve cost optimization by leveraging utility models for non-core capabilities
    • Drive faster integration of partner solutions with plug-and-play approach
    • Improve customer experience through journey reimagination 
    • Explore alternative revenue streams with data, service monetization

    The TCS advantage

    TCS adopts a consultative approach and creates holistic solutions that align with the larger strategic goals of the business.

    TCS believes that a combination of proven technology expertise, relevant assets, partner collaboration experience, and contextual domain knowledge is key to successfully execute ecosystem-enabled business models for full realization of envisaged benefits.

    Our differentiation lies in strong thought leadership in building futuristic business models across industries, deep domain experience and contextual business knowledge in digital ecosystems, significant investments in co-innovation networks, labs, and academic alliances, technology expertise and platforms capability with rich repository of frameworks, methods, tools, and enablers.

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