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    TCS is here to make a difference through technology.

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      14 May 2025 TCS Partners with Khan Bank to Future-Proof its Operations, Enhance Customer Experience and Propel Innovation leveraging AI and ML
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    What we do
    • Overview Press tab for submenu items

      TCS is here to make a difference through technology.

      Leading the way in innovation for over 55 years, we build greater futures for businesses across multiple industries and 55 countries.

      Discover all solutions
    • Industries
      • Banking
      • Capital Markets
      • Consumer Packaged Goods and Distribution
      • Communications, Media, and Information Services
      • Education
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  • Who we are
    • Overview 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.

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

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      Find the latest news about TCS in our Newsroom

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      Discover more
    • Press releases

      Recent Press releases

      15 May 2025 TCS Recognized as One of the World’s Top 50 Brands by Kantar BrandZ; Brand Value Soars 28% YoY to $57.3Bn
      14 May 2025 TCS Partners with Khan Bank to Future-Proof its Operations, Enhance Customer Experience and Propel Innovation leveraging AI and ML
      12 May 2025 TCS Partners with Dhofar Insurance Company to Transform its Core Insurance Platform
      View all
    • News alerts

      Recent News

      02 May 2025 TCS Ranked Denmark’s #1 IT Service Provider for Customer Satisfaction in 2025
      23 Apr 2025 TCS Partners with Google Cloud on Agent-to-Agent Interoperability Protocol to Drive Future-Ready Enterprises
      11 Apr 2025 TCS Partners with Google Cloud to Accelerate AI-led Transformation in the Retail Sector
      View all
    • Analyst recognition

      Recent recognitions

      22 Apr 2025 TCS Ranked #6 Amongst Banking Technology Providers and Recognized as a Regional Leader across all Geographies by Everest Group
      17 Apr 2025 TCS BaNCS Named a Leader Among Wealth Management Products by Everest Group
      01 Apr 2025 TCS Positioned as a Leader in Worldwide Discrete Manufacturing Product Lifecycle Management Strategic Consulting Services and Systems Integration by IDC MarketScape
      View all
    • Events

      Upcoming events

      11 Jun 2025 TCS and PTC Present the North America Leadership Forum 2025
      04 Jun 2025 Veeva R&D and Quality Summit: Developing Better Health Outcomes
      02 Jun 2025 Siemens Realize LIVE: Discussing Technology and Digital Transformation
      View all
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    • Quartz™ - The Smart Ledgers™
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    Quartz for Rewards

    Create exclusive customer experiences with DLT- based loyalty reward programs

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    Quartz™ - The Smart Ledgers™ This will open an overlay

    Quartz™: Creating collaborative ecosystems using resilient technology

    Discover the transformative power of TCS' Quartz™ Smart Solutions that empower clients to build blockchain-based solutions and see tangible, real-world results.
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    Learn how Quartz for Crypto Services, an integrated and secure solution for custody and transaction processing, can help FIs streamline crypto asset management.
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    Insurance Repository
    Quartz for Insurance Repository maintains digitized insurance policies, enabling insurers, policy holders, agents, and banks to connect in a blockchain-based ecosystem
    Solution
    10 Jan 2025
    Quartz for Surveillance
    Quartz for Surveillance monitors and detects market manipulation, fraud and abnormalities in trading behaviour across Exchanges, CSDs and Brokerage Houses, thereby ensuring prevention against any bias or manipulation, by virtue of regulatory supervision and surveillance functions.
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    20 Dec 2024

    Highlights

    • Quartz for Reward, a blockchain-based reward points management solution, provides more security, speed, transparency, and efficiency over traditional loyalty programs.
    • The solution helps create a powerful ecosystem in which issuers of reward points and the acquirer/payment processor can operate as nodes on the blockchain. 
    • Customers’ loyalty points cannot be stolen or hacked as they are stored on a blockchain while all the data can be accessed by anyone, anywhere, at any time. Faster and efficient redemptions enable greater customer value.

    On this article

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    Abstract Challenge Solution Benefits

    Abstract

    Loyalty reward programs are great options to increase customer retention and market capitalization across industries - retail, banking, consumer goods, travel, hospitality, telecom, or e-commerce.

    However, the current reward points management processes come with a number of inefficiencies including limited redemption options, lack of real-time transactions and settlements. Blockchain as a digitally distributed, decentralized, and single public ledger brings speed, flexibility, security, and transparency. Hence the blockchain-enabled reward points management becomes a highly competent and cost-effective solution for organizations.

    Challenge

    The traditional loyalty programs come with challenges for both companies and customers including a basic lack of fungibility of reward points.

    A customer cannot use them for purchases at an online store or a grocery supermarket and is, instead, forced to redeem the points with the institution which may not always be possible or meaningful for the customer. Organizations struggle with creating personalized reward experiences, tracking reward points, poor conversions, reconciliation issues due to delayed settlements, and an inability to measure the success of the rewards program.

    Solution

    Quartz Smart Solution for Rewards on blockchain helps create a powerful ecosystem in which issuers of reward points (banks, merchants etc), and the acquirer/payment processor operate as nodes on the blockchain.

    Each participant can maintain and access information in real-time pertaining to their customers/members, transactions, and point balances. A combination of reward points/funds can be accrued, redeemed, and transferred seamlessly in the blockchain ecosystem.

    Benefits

    • Using reward points across a vast network of issuers/merchants without any restrictions gives customers more flexibility.
    • Vastly superior customer experience because of fungibility, simpler operational processes, instant settlements, and real-time view of transactions and the balance.
    • Eliminates reconciliation overheads for all entities in the ecosystem.
    • Audit trail gives a complete history of transactions. 
    • Better utilization of reward point balances, leading to healthier balance sheets for issuers.
    • For small operators, an interlinked network provides unprecedented scale.

    Related reading

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    Quartz™ - Decentralized Blockchain Solutions for Enterprises and Ecosystems

    Customer Testimonial | 29 Jun 2021   Opens in new tab

    TCS to Implement Quartz™ Smart Solution for Wallets and Rewards for UK Startup Zapaygo

    Press Releases | 01 Oct 2020   Opens in new tab

    TCS a Leader in Enterprise Blockchain Services: Everest Group

    Press Releases | 19 Jan 2022   Opens in new tab

    TCS’ Blockchain Solution, Quartz™ Ranked #1 Best Performing Fraud Management Solution

    Press Releases | 26 Jul 2022   Opens in new tab

    Transformation starts here

    Ready to move from enterprise to ecosystem?

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