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Industry
- Banking Tag
Banking on purpose-led ecosystems
TCS’ solutions help banks and FIs push traditional boundaries and build cognitive banking enterprises for better value, resilience, and inclusivity. Learn more.
Related Insights
As digital payments gain ground, financial service providers must chalk out a strategy for embedded finance and embrace a digital ecosystem to stay ahead.
White Paper
20 Sep 2023
Our services and solutions help FIs create composable systems and adopt next-gen technologies, accelerating their journey toward sustainable banking. Know more.
Solution
11 Sep 2023
Learn how TCS helps financial services firms adopt hybrid work models, reimagine the future of work, and migrate to a flexible work environment for better EX.
Article
10 Sep 2023
Solution
- TCS BaNCS™ Tag
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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TCS BaNCS Global Securities Platform helps buy and sell-side firms implement scalable and STP-enabled processes for trade processing, clearing, and settlement.
Solution
14 Dec 2018
TCS BaNCS is an exhibitor at the Sibos conference 2023 in Toronto and will showcase its suite of solutions for payments and capital markets. Learn more.
Events
18 Sep 2023
TCS BaNCS Digital helps financial institutions to redesign their digital banking strategy to deliver personalized and enhance user experience. Learn more.
Solution
12 Apr 2023
Highlights
- TCS BaNCS for Corporate Loan Origination enables the end-to-end digitization of loan process and enhances turnaround time, predictability, transparency, and smarter decision-making.
- Our comprehensive solution provides portfolio management and effective risk assessment while complying with internal and regulatory norms.
- Institutions can now enforce complete standardization of the loan underwriting process, bringing operational efficiency, transparency, accountability, and confidentiality to the credit loan origination process while adhering to regulatory standards.
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Overview
Security and confidentiality in financial services institution
TCS BaNCS for Corporate Loan Origination simplifies the lending process and increases operational efficiency while taking care of the information security and confidentiality needs of financial services institutions.
Challenge
Today, the commercial lending business is witnessing an upward swing. More financial institutions are offering new lending approaches, resulting in increased competition.
This has put pressure on businesses to quickly respond and complete credit risk assessments. As market conditions and regulations tighten, financial institutions need to optimize risk management processes, become operationally resilient, and enable a transparent view of risks. Lenders also face internal challenges such as non-existent or broken processes, complex business rules, and disparate technology or legacy systems. The inability to respond quickly to loan and credit requests impacts customer acquisition and loyalty. And risk officers, often lacking consolidated data needed for accurate and timely analyses, might be unable to identify risks and trends that can result in huge losses.
Solution
TCS BaNCS for Corporate Loan Origination enables end-to-end digitization in wholesale, commercial credit, and loan origination through lean lending/credit approval processes and optimized workflows, thereby enhancing turnaround time, predictability, transparency, and smarter decision-making. The comprehensive solution provides portfolio management and effective risk assessment while complying with internal and regulatory norms. It also simplifies the lending process and increases operational efficiency while taking care of the information security and confidentiality needs of a financial services institution.
Benefits
- Faster responses to customer credit requests
- Improved efficiency of lending operations and reduced costs
- Superior customer experience
- Increased policy compliance and reduced NPAs
- Can be deployed on secure cloud or on-premise
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