Where adaptability meets advantage
At TCS, we don’t just help businesses transform. We help them become perpetually adaptive enterprises, built to evolve continuously and confidently in a world of constant change.
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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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Blog
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With automation and AI agent-driven workflows, TCS Agentic Claims Processing reimagines insurance claims and helps boost efficiency and customer experience.
Solution
23 Oct 2025
Banks must shift from traditional chatbots to intelligent AI agents that understand customer intent, personalization, and build trust and loyalty. Learn more.
White Paper
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.
Related Insights
At the event, TCS BaNCS will showcase its corporate actions solution that offers AI-enabled intelligence, end-to-end automated processing, and more. Join us now.
Events
04 Nov 2025
Learn about the challenges posed by the rise of AI in European banking and ways to overcome the issues through strategic alignment, reskilling, trust, and more.
Article
16 Oct 2025
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
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
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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