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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.
Related Insights
Discover the key metrics and components for designing a 360 degree ESG (Environmental, Social, and Governance) dashboard for banks’ lending portoflios.
Article
18 Nov 2024
After adopting artificial intelligence, learn how FIs must now take a phased approach to implement AI agents for transformation, precision, and compliance.
White Paper
08 Aug 2025
Join us at the event that will bring together experts and partners to discuss the role of data analytics, generative AI, and cloud in business transformation.
Events
16 Sep 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
Discover the key metrics and components for designing a 360 degree ESG (Environmental, Social, and Governance) dashboard for banks’ lending portoflios.
Article
18 Nov 2024
BankservAfrica’s partnership with TCS BaNCS will enable further growth and transformation in the years to come.
Article
24 Apr 2023
The Banking Service Bureau is a Banking-as-a Service platform enabled by TCS BaNCS with a digital core offering banking, securities, and advisory services.
Solution
21 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
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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