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Banking Services Transformation: Unlocking Exponential Value
TCS’ solutions help banks and FIs push traditional boundaries and build cognitive banking enterprises for better value, resilience, and inclusivity. Learn more.
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Solution
27 Nov 2023
CHALLENGE
The growing popularity of online and mobile banking is challenging traditional payment methods. This has pushed the banks to digitalize trade and adopt supply chain finance products. Additionally, robust credit evaluation and underwriting processes are needed for a healthy loan book. All this, coupled with the entry of non-banking players, is prompting banks to reduce operational costs by streamlining, transforming, and consolidating processes.
TCS SOLUTION
TCS provides:
- Transaction processing: Support for payments and cash management, trade finance, and commercial lending; a vast range of solutions for origination, servicing, customer service, compliance, billing, reporting, and reconciliation
- Domain consulting: Process evaluation and benchmarking, operational efficiency assessment, to-be process maps, transformation opportunity consulting, and digital roadmap creation
- Change management: Support for IT platform roll-outs, business and/or functional requirement documentation, business analysis, UAT services, project management, and enterprise services
- Cognitive solutions: TCS Trade Finance Transformation Suite and Integrated Commercial Lending Automation Digitization and Analytics Framework, optical character recognition (OCR), automated document checker, automated sanctions
BENEFITS
TCS’ commercial banking solutions and services can help banking and financial firms realize the following benefits:
Payments
- About 30% to 40% reduction in repair rates by reducing manual efforts
- Cost optimization through automation and enhancement of existing investigation workflows
Trade
- Up to 40% cost savings through process reengineering and automation
- Mitigation of fraud and sanction risks by implementation of robust controls
Lending
- Enhanced process efficiency and scalability as well as improved accuracy
- Nearly 150 MM+ reduction in risk exposure through process improvements
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