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Despite the plethora of non-cash digital payment options available through various Wallets and Mobile Payment Apps, customers find it difficult to choose the optimal payment option each time they make a purchase.

On the other hand, financial institutions are limited in their ability to influence a customer’s choice of payment instrument at the point of purchase.

TCS Solution

TCS Payment Advisory Solution blends seamlessly with a bank’s ecosystem, enabling them to offer customized and contextual financing options to customers at the point of purchase.

Our solution:

  • Accesses multiple financial products (and related account attributes) offered by financial institutions.

  • Facilitates complete payment fulfillment through multiple channels and evolving technologies, such as Host Card Emulation, Near Field Communications (NFC), and Bluetooth Low Energy (BLE) at the Point of Sale

At the frontend, and leverages 

The ‘Pay with Points’ option facilitates timely redemption of rewards, and increases the perceived value of the loyalty program.


  • Influence customer spend to increase revenue

  • Provide real-time, contextualized financing options

  • Enhance security with tokenized payment credentials

  • Help customers maximize benefits each time they pay

  • Allow real time-view of transactions, balances, and spend patterns

  • Enhance impact of reward programs via ‘Pay with Points’

  • Maximize ROI for card-linked offers