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    Where adaptability meets advantage

    At TCS, we don’t just help businesses transform. We help them become perpetually adaptive enterprises, built to evolve continuously and confidently in a world of constant change.

    Adaptability starts here
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    What we do
    • Perpetually Adaptive Enterprise Press tab for submenu items

      Where adaptability meets advantage

      At TCS, we don’t just help businesses transform. We help them become perpetually adaptive enterprises, built to evolve continuously and confidently in a world of constant change.

      Adaptability starts here
    • Industries
      • Banking
      • Capital Markets
      • Consumer Packaged Goods and Distribution
      • Communications, Media, and Information Services
      • Education
      • Energy, Resources, and Utilities
      • Healthcare
      • High Tech
      • Insurance
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      • Artificial Intelligence and Data & Analytics
      • Cloud
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      • Consulting
      • Cybersecurity
      • Enterprise Solutions
      • IoT and Digital Engineering
      • Network Solutions and Services
      • TCS Interactive
      • Sustainability Services
    • Products and Platforms
      • TCS ADD™
      • TCS BANCS™
      • TCS BFSI Platforms
      • TCS CHROMA™
      • TCS Customer Intelligence & Insights™
      • TCS ERP on Cloud
      • ignio™
      • TCS iON™
      • TCS HOBS™
      • TCS Intelligent Urban Exchange™
      • TCS OmniStore™
      • TCS Optumera™
      • TCS Tap™
      • Quartz™ – The Smart Ledgers™
      • TCS TwinX™
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    • TCS CHROMA™
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    • TCS ERP on Cloud
    • ignio™
    • TCS iON™
    • TCS HOBS™
    • TCS Intelligent Urban Exchange™
    • TCS OmniStore™
    • TCS Optumera™
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    • Quartz™ – The Smart Ledgers™
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  • Research & Innovation expand here
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  • Alliances
  • Who we are
    • About Us Press tab for submenu items

      We deliver excellence and create value for customers and communities.

      Our expert, committed team put our shared values into action – every day. With the best talent and the latest technology we help customers turn complexity into opportunities and create meaningful change.

      Discover the difference
    • Brand
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    • Community
    • Sustainability
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    • Values
    About Us
  • Brand
  • Leadership
  • Community
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  • Inclusion
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    • Customer Stories Press tab for submenu items

      Discover why customers choose TCS

      We are a digital transformation and technology partner of choice for industry-leading organizations worldwide.

      Read our customer success stories.
    • Events

      Upcoming events

      11 Nov 2025 TCS Energy Forward Forum 2025
      04 Nov 2025 Meet TCS at World Drug Safety Congress Americas 2025
      29 Sep 2025 TCS BaNCS and Quartz at SIBOS 2025, Frankfurt
      View all
    • Analyst Recognition

      Recent recognitions

      18 Sep 2025 Emirates NBD Transforms Payments and Reengineers Banking Operations
      01 Aug 2025 TCS a Leader in Experience-Led HR Transformation Services: NelsonHall
      17 Jul 2025 TCS a Leader in Life and Annuities Insurance BPS and Third-Party Administrator Services: Everest Group
      View all
    • Global Studies
    Customer Stories
  • Events
  • Analyst Recognition
  • Global Studies
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    • Seize the future Press tab for submenu items

      Want to be a global change-maker? Join our team.

      At TCS, we believe exceptional work begins with hiring, celebrating and nurturing the best people — from all walks of life.

      Join us
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    • Banking/ Solution

    Commercial Banking Services

    Enabling Financial Firms to Transform Operations and Improve Service Delivery

    Share Innovation & Automation in Commercial Banking Services
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    TCS Commercial Banking Services: Automation & Innovation for Better CX (4 pgs)

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    Industry

    Banking This will open an overlay

    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.
    Learn More
     about Banking Services Transformation: Unlocking Exponential Value
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    Related Insights
    Model Risk Management: Time to Industrialize
    With automation, standardization, and efficiency-first mindset, industrializing MRM into a factory model helps drive scalability and enterprise resilience.
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    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

    Related reading

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    Banking

    Model Risk Management: Time to Industrialize

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    AI Agents: The Next Frontier of Financial Services Transformation

    White Paper | 08 Aug 2025   Opens in new tab
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    Mitigating Non-financial Risks Arising from Generative AI

    Article | 29 Jul 2025   Opens in new tab
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    TCS Helps Nationwide Building Society Improve Communication and CX

    Customer Testimonial | 22 Jul 2025   Opens in new tab

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