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Industry
Banking
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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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With a focus on efficiency and regulatory compliance, TCS BaNCS is empowering the financial services sector to drive innovation, governance, and resilience.
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15 Oct 2025
Generative AI is helping FIs overcome forecasting and compliance challenges and turning onboarding into a dynamic, automated, intelligent experience. Learn more.
Blog
14 Oct 2025
TCS' solution helps banks & NBFCs reimagine lending & securitization for business transformation & enhanced customer experience. Visit the website to know more.
Solution
06 Jan 2020
Capital Markets
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Unlocking Exponential Future Growth in Capital Market Firms
Capital market firms must build trust through purpose-driven and innovative models to weather disruptions and ensure adaptability and shock-proof growth.
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With a focus on efficiency and regulatory compliance, TCS BaNCS is empowering the financial services sector to drive innovation, governance, and resilience.
Article
15 Oct 2025
As the complexities of market infrastructures rise, autonomous systems with predictive scaling and self-healing help adapt to volatility and stay compliant.
White Paper
10 Oct 2025
The corporate actions event will see TCS BaNCS discuss how tech is reshaping corporate actions processing and will showcase our global securities platform.
Events
16 Oct 2025
Solution
TCS BaNCS™
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TCS BaNCS™: Enabling Transformation in Banks and Financial Institutions
Offering Software-as-a-Service across a stack of solutions and applications, TCS BaNCS facilitates smooth transformation in financial services and drives growth.
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With a focus on efficiency and regulatory compliance, TCS BaNCS is empowering the financial services sector to drive innovation, governance, and resilience.
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15 Oct 2025
As the complexities of market infrastructures rise, autonomous systems with predictive scaling and self-healing help adapt to volatility and stay compliant.
White Paper
10 Oct 2025
At COBA 2023, TCS BaNCS will showcase how its core banking platform for community and regional banks can help fulfill your firm’s technology excellence needs.
Events
24 Sep 2023
Highlights
- The financial services industry stands at an important and strategic juncture. Various aspects of our customers’ business and value delivery chains are getting disrupted in fundamental ways and technology stands at the center of it all..
- The challenge for industry leaders is clear: drive innovation, ensure governance, and build resilient, trusted organizations that can thrive in a rapidly changing landscape.
- This article explains how we aim to cut through the clutter and hype to deliver meaningful economic value to our clients by focusing on efficiency and risk as two critical dimensions.
Future of finance
The financial services industry stands at an important and strategic juncture. Various aspects of our customers’ business and value delivery chains are getting disrupted in fundamental ways and technology stands at the center of it all. The challenge for industry leaders is clear: drive innovation, ensure governance, and build resilient, trusted organizations that can thrive in a rapidly changing landscape.
By focusing on efficiency and risk as two critical dimensions we aim to cut through the clutter and hype to deliver meaningful economic value to our clients.
Artificial Intelligence is no longer a theoretical promise—it is increasingly being seen as a business-critical capability. The transition from AI as a tool to AI as the core of autonomous agents is fundamentally reshaping industries and personal lives as well. In the short term, while there is understandably some hype, the power of this technology to significantly alter our working lives and business models in fundamental ways is beyond doubt.
At TCS BaNCS, we are embedding AI into our solutions to enable responsible, scalable adoption. Our focus is clearly on enabling our application users to derive significant operational cost advantages and efficiencies as well as a substantially different approach to risk reduction. By focusing on efficiency and risk as two critical dimensions we aim to cut through the clutter and hype to deliver meaningful economic value to our clients. We also deeply understand that this is not just about technology; it’s about building a trustworthy, future-ready foundation for growth and differentiation.
Payments are at an inflection point. The acceleration of real-time payment rails, driven by consumer demand and the rise of account-to-account (A2A) services through Open Banking, is redefining the industry and competitive dynamics.
Central Bank Digital Currencies (CBDCs) are moving from concept to reality, promising the efficiency of digital payments with the stability of sovereign currency, and fueling the growth of digital wallets.
Embedded finance is no longer optional; and ISO20022 is emerging as a strategic lever for integration and customer-centricity—not just for compliance. SWIFT’s evolution is focused on faster settlements, enhanced client experience, and transaction traceability. At the same time, the industry faces relentless pressure to strengthen security, combat fraud, and build trust at every touchpoint.
At TCS BaNCS, we are ready to participate in the opportunity being unleashed across multiple segments in the payments industry with our “ISO native” design and modular, cloud-native architecture which enables institutions to leverage BaNCS to solve specific, tactical problems (like meeting the ISO adoption deadline) or adopt a broader enterprise payment view depending on their imperatives. Those who have taken a holistic view have clearly benefited in terms of time to market, flexibility and derived business value as adoption metrics clearly show.
The Securities Services ecosystem is undergoing rapid transformation. The drive to compress settlement cycles—from T+2 to T+1 and even same-day in some markets— is reshaping operational models, financial and liquidity imperatives, and risk management paradigms among others. Industry leaders now recognize that greater standardization is essential to absorb change and accelerate innovation.
Digital Assets are another growing area of attention; the tokenization of traditional assets is gaining traction, and regulators are responding with new frameworks—such as the SEC’s Project Crypto, which introduces safe harbors and clarifies standards for digital assets. The GENIUS Act in the USA also marks a significant milestone as the United States’ first federal regulatory framework for stable coins; the legislation promises to unleash new waves of investment and technological advancement within financial services.
Our industry-leading securities services clients are relying on us to help them navigate their path in this ever-changing world. We are investing in multiple areas including APIs, enhanced user experiences, operational efficiencies, data and AI, all designed to help them stay ahead of the forthcoming disruption and turn challenges into opportunities.
Any picture of today’s financial services industry will be incomplete without mentioning Resilience. A consequence of higher velocity of movement of cash and all assets in general, the number of digital touch points, the rapid evolution of technology and the varying levels of maturity of tech adoption of consumers all together create a potent cocktail which bad actors can exploit. Keeping data safe and secure is a huge responsibility and providing stable and highly available platforms has become more critical than ever. We are very much aware of and alive to this responsibility and are continuously investing in capabilities and assets to ensure the desired levels of resilience and regulatory compliance.
About the author
Image of Venkateshwaran Srinivasan
Venkateshwaran Srinivasan
Venkat heads TCS Financial Solutions, a strategic business unit of TCS. Over the last 27 years, Venkat has performed a variety of roles in the financial services and financial software products business, including product strategy, program management, sales, customer relationship and key account management. In his current role, he is responsible for leading the packaged software products business for financial services, globally, under the brand name, TCS BaNCS.
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