TCS Lending and Securitisation
Reimagine Lending and Securitisation with a Connected, Collaborative and Cognitive Solution
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Industry
Banking
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Highlights
- Rising customer expectations, ever-expanding regulatory requirements, and increased digitalization are putting tremendous pressure on lenders to reimagine their business landscape with technology modernization.
- However, legacy systems are hindering their ability to deliver fast, seamless, and user-friendly Lending experience to customers.
- TCS Digital Lending Platform enables lenders to digitalize, automate, and standardize the process, helping them to keep pace with digital changes and transform the lending experience.
Overview
The lending industry is undergoing rapid transformation.
This unprecedented change is driven by rising customer expectations, ever-expanding regulatory requirements, and increased digitalization. The dynamic nature of the financial landscape is putting increasing pressure on the lenders to modernize their technology to remain competitive and relevant. However, many still rely on legacy systems that are inflexible, difficult to integrate with new solutions, and expensive to maintain. These outdated platforms hinder their ability to deliver fast, seamless, and user-friendly lending experiences, something today’s customers increasingly expect. Some of the key issues include:
- Legacy systems: Monolithic systems which are outdated, siloed and lack flexibility result in elongated time to market and a poor customer experience. These systems are often difficult to integrate with modern platforms or third-party services. In many cases, these legacy systems have multiple disparate systems performing various tasks that are part of the loan life cycle. Due to a lack of integration, data transfer between these systems is not efficient and some places results in manual reentry of data which impacts the turn around time (TAT) for the loan and result in inconsistent and incorrect data.
- Slow, manual processes: End-to-end lending journeys are still reliant on manual workflows, leading to inefficiencies, delays, and poor customer experiences.
- Compliance complexity: Ensuring compliance across all digital channels has become a growing concern with evolving regulations—especially for organizations with fragmented tech stacks.
- Integration barriers: Connecting with fintech providers, open banking tools, and external data sources remains a challenge due to rigid IT infrastructures and lack of API-readiness.
- Infrastructure scalability: Most implementations are on-premise, and prone to delays on infrastructure upgrades on demand to handle increased business loads.
Solution
TCS brings its proven expertise in lending technology solutions and services to support leading global banks and financial institutions.
TCS Digital Lending platform is designed to digitalize, automate, and standardize key journeys across the lending appraisal life cycle. It enables lenders to adapt quickly to the increasing pace of digital change as they look to redefine the lending experience.
TCS Digital Lending platform: The Software-as-a-Service (SaaS) enterprise lending origination solution supports multiple loan products and empowers lenders to seamlessly navigate the lending value chain, from digital onboarding of loan to digital underwriting and finally to the disbursement stage of the loan.
TCS Digital Lending platform supports a diverse range of loan products like:
- Home loan
- Loan against property
- Personal loans
- Business loans
- Education loans
- Two-wheeler and auto loans
- Credit cards
- Tractor and farm equipment loans
- Commercial vehicles and construction equipment loans
TCS Digital Lending platform is a cloud native and modular platform built on micro-services with open API architecture, which allows seamless integration with lender systems and third-party applications. Its experience management and component-based UI frameworks allow high configurability and customization, while the built-in rules management and workflow orchestration framework streamline and automate complex business processes, The solution is pre-integrated with leading ecosystem partners for real-time validation and data services and uses its built-in workflows and rules engine to improve efficiencies and introduce automation across various stages of the loan journey.
- How TCS Digital Lending platform helps lenders:
- Fully digital application journey with integrations to fintech systems and the customer’s internal systems.
- Intuitive platform supporting end-to-end case management.
- Automated validation of lending policies and affordability checks through integration to the business rule engines.
- Enables high level of automation and straight-through processing, while offering the flexibility to adapt to lender-specific requirements.
- Configurable dashboard for sales, credit and operations staff to manage case pipeline with real time updates.
- Resilient platform ensuring data security and regulatory compliance.
- Key partner ecosystem integrations for optimized efficiency and automation
Benefits
With TCS Digital Lending platform, lenders can unlock a range of strategic benefits.
- Faster loan processing: Automates application capture, verifications, and underwriting, reducing turnaround times significantly.
- Improved customer experience: Borrowers enjoy a seamless, digital experience with 24*7 access with loan tracking, document uploads, and real-time updates.
- Enhanced accuracy: Minimizes manual data entry and human error through automation and digital data exchange.
- Cost efficiency: Reduces operational costs by streamlining workflows and optimizing resource utilization.
- Compliance and security: Ensures adherence to local regulatory requirements and data privacy guidelines with risk and compliance checks and secure data handling.
- Scalability: Easily supports higher loan volumes without requiring proportional increases in staffing.
- Collaboration and transparency: Improves communication among customers, brokers, lender staff and third-party servicers through a centralized platform.
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