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Perpetually Adaptive Enterprise

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.

Adaptability starts here
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Perpetually Adaptive Enterprise
  • Industries expand here
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    • TCS Interactive
  • Products and Platforms expand here
    • TCS ADD™
    • TCS BANCS™
    • TCS BFSI Platforms
    • TCS CHROMA™
    • TCS Customer Intelligence & Insights™
    • TCS ERP on Cloud
    • ignio™
    • TCS iON™
    • TCS HOBS™
    • TCS Intelligent Urban Exchange™
    • TCS OmniStore™
    • TCS Optumera™
    • TCS Tap™
    • Quartz™ – The Smart Ledgers™
    • TCS TwinX™
    • TCS MasterCraft™
    • Jile™
    • TCS DigiBOLT™
    • TCS AI WisdomNext™
  • Research & Innovation expand here
    • TCS Research
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  • Alliances
  • About Us

    We deliver excellence and create value for customers and communities - everyday. With the best talent and the latest technology we help customers turn complexity into opportunities and create meaningful change.

    Discover the difference
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    17 Feb 2026 TCS Analyst Day 2026: Forging a Truly Adaptive Enterprise
    12 Jan 2026 Launching AI-led Connected Digital Enterprise Lab with TCS-Siemens
    10 Dec 2025 TCS at CES 2026
    View all

    Recent recognitions

    10 Dec 2025 TCS BaNCS Positioned as a Luminary in Celent’s Corporate Digital Banking Platforms: EMEA, LATAM, and APAC Solutions
    10 Dec 2025 TCS Named a Leader in Adobe Services by Everest Group
    09 Dec 2025 TCS Positioned as a Market Leader in HFS Horizons: Workday Services
    View all
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  • Want to be a global change-maker? Join our team.

    At TCS, we believe exceptional work begins with hiring, celebrating and nurturing the best people — from all walks of life.

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

    Perpetually Adaptive Enterprise

    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.

    Adaptability starts here
    • Industries
    • Services
    • Products and Platforms
    • Research & Innovation
    • Alliances
    • Banking
    • Capital Markets
    • Consumer Packaged Goods and Distribution
    • Communications, Media, and Information Services
    • Education
    • Energy, Resources, and Utilities
    • Healthcare
    • High Tech
    • Insurance
    • Life Sciences
    • Manufacturing
    • Public Services
    • Retail
    • Travel and Logistics
    • Artificial Intelligence and Data & Analytics
    • Cloud
    • Cognitive Business Operations
    • Consulting
    • Cybersecurity
    • Enterprise Solutions
    • IoT and Digital Engineering
    • Network Solutions and Services
    • Sustainability Services
    • TCS Interactive
    • TCS ADD™
    • TCS BANCS™
    • TCS BFSI Platforms
    • TCS CHROMA™
    • TCS Customer Intelligence & Insights™
    • TCS ERP on Cloud
    • ignio™
    • TCS iON™
    • TCS HOBS™
    • TCS Intelligent Urban Exchange™
    • TCS OmniStore™
    • TCS Optumera™
    • TCS Tap™
    • Quartz™ – The Smart Ledgers™
    • TCS TwinX™
    • TCS MasterCraft™
    • Jile™
    • TCS DigiBOLT™
    • TCS AI WisdomNext™
    • TCS Research
    • TCS Pace™
    Perpetually Adaptive Enterprise
  • Industries expand here
    • Banking
    • Capital Markets
    • Consumer Packaged Goods and Distribution
    • Communications, Media, and Information Services
    • Education
    • Energy, Resources, and Utilities
    • Healthcare
    • High Tech
    • Insurance
    • Life Sciences
    • Manufacturing
    • Public Services
    • Retail
    • Travel and Logistics
  • Services expand here
    • Artificial Intelligence and Data & Analytics
    • Cloud
    • Cognitive Business Operations
    • Consulting
    • Cybersecurity
    • Enterprise Solutions
    • IoT and Digital Engineering
    • Network Solutions and Services
    • Sustainability Services
    • TCS Interactive
  • Products and Platforms expand here
    • TCS ADD™
    • TCS BANCS™
    • TCS BFSI Platforms
    • TCS CHROMA™
    • TCS Customer Intelligence & Insights™
    • TCS ERP on Cloud
    • ignio™
    • TCS iON™
    • TCS HOBS™
    • TCS Intelligent Urban Exchange™
    • TCS OmniStore™
    • TCS Optumera™
    • TCS Tap™
    • Quartz™ – The Smart Ledgers™
    • TCS TwinX™
    • TCS MasterCraft™
    • Jile™
    • TCS DigiBOLT™
    • TCS AI WisdomNext™
  • Research & Innovation expand here
    • TCS Research
    • TCS Pace™
  • Alliances
  • Who we are

    About Us

    We deliver excellence and create value for customers and communities - everyday. With the best talent and the latest technology we help customers turn complexity into opportunities and create meaningful change.

    Discover the difference
    • Brand
    • Leadership
    • Community
    • Sustainability
    • Inclusion
    • Values
    About Us
  • Brand
  • Leadership
  • Community
  • Sustainability
  • Inclusion
  • Values
  • Insights

    TCS Insights

    Point of views, research, studies - on the latest themes - to help you expand your knowledge and be future ready.

    Start reading now
    • Customer Stories
    • Events
    • Analyst Recognition
    • Global Studies

    Upcoming events

    17 Feb 2026 TCS Analyst Day 2026: Forging a Truly Adaptive Enterprise
    12 Jan 2026 Launching AI-led Connected Digital Enterprise Lab with TCS-Siemens
    10 Dec 2025 TCS at CES 2026
    View all

    Recent recognitions

    10 Dec 2025 TCS BaNCS Positioned as a Luminary in Celent’s Corporate Digital Banking Platforms: EMEA, LATAM, and APAC Solutions
    10 Dec 2025 TCS Named a Leader in Adobe Services by Everest Group
    09 Dec 2025 TCS Positioned as a Market Leader in HFS Horizons: Workday Services
    View all
    TCS Insights
  • Customer Stories
  • Events
  • Analyst Recognition
  • Global Studies
  • Careers

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

    At TCS, we believe exceptional work begins with hiring, celebrating and nurturing the best people — from all walks of life.

    Join us
    • India
    • Americas
    • Asia Pacific
    • Europe and UK
    • Middle East and Africa
    • India
    • Argentina
    • Brazil
    • Canada
    • Chile
    • Colombia
    • Ecuador
    • Mexico
    • Peru
    • Uruguay
    • USA
    • Australia
    • Mainland China
    • Hong Kong SAR
    • Indonesia
    • Japan
    • Malaysia
    • New Zealand
    • Philippines
    • Republic of Korea
    • Singapore
    • Chinese Taipei
    • Thailand
    • Belgium
    • Denmark
    • Estonia
    • Finland
    • France
    • Germany
    • Hungary
    • Ireland
    • Italy
    • Luxembourg
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Spain
    • Sweden
    • Switzerland
    • United Kingdom
    • Bahrain
    • Israel
    • Kuwait
    • Qatar
    • Saudi Arabia
    • South Africa
    • United Arab Emirates
    Want to be a global change-maker? Join our team.
  • India expand here
    • India
  • Americas expand here
    • Argentina
    • Brazil
    • Canada
    • Chile
    • Colombia
    • Ecuador
    • Mexico
    • Peru
    • Uruguay
    • USA
  • Asia Pacific expand here
    • Australia
    • Mainland China
    • Hong Kong SAR
    • Indonesia
    • Japan
    • Malaysia
    • New Zealand
    • Philippines
    • Republic of Korea
    • Singapore
    • Chinese Taipei
    • Thailand
  • Europe and UK expand here
    • Belgium
    • Denmark
    • Estonia
    • Finland
    • France
    • Germany
    • Hungary
    • Ireland
    • Italy
    • Luxembourg
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Spain
    • Sweden
    • Switzerland
    • United Kingdom
  • Middle East and Africa expand here
    • Bahrain
    • Israel
    • Kuwait
    • Qatar
    • Saudi Arabia
    • South Africa
    • United Arab Emirates
  • Newsroom

    Find the latest news about TCS

    Stay up-to-date on all press announcements by TCS

    Discover more
    • News Alerts
    • Media Kit

    Recent News

    11 Dec 2025 TCS Launches Google Cloud Gemini Experience Centre in Singapore to Drive Agentic AI-led Innovation
    09 Dec 2025 TCS Joins Airbus’ Skywise Partner Programme
    08 Dec 2025 Report by TCS and Peter Drucker Society Europe says Traditional Management Structures are Outdated
    View all
    Find the latest news about TCS
  • News Alerts
  • Media Kit
  • Investors

    Tata Consultancy Services Limited
    NSE:TCS
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    Discover more
    • Management Commentary
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    Top Results
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    • TCS BaNCS™
    • Solution

    Making payments real-time and seamless 

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    Solution

    Banking This will open an overlay

    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.
    Learn More
     about Banking Services Transformation: Unlocking Exponential Value
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    20 Nov 2025

    Highlights

    • TCS BaNCS offers a modern, scalable architecture that seamlessly integrates with new ecosystems through well-defined APIs.

    • Extensive support for SWIFT gpi payments as instructing, intermediary, and instructed institutions.

    • Off-the-shelf availability of real-time dashboards, easy navigation, exception management queues, multiple repair modes, and extensive search and audit features.

    In this article

    Challenge   inpage
    Solution   inpage
    Real-time payments   inpage
    P27 Payments   inpage
    Challenge inpage
    Solution inpage
    Real-time payments inpage
    P27 Payments inpage
    Back to top Go to top
    In this articleinpage
    Go to top
    Challenge Solution Real-time payments P27 Payments

    Challenge

    Transform your payment processing capabilities with our SWIFT-ready, ISO 20022-compliant solution.

    With several dynamic factors constantly reshaping the payment landscape, financial service providers and payment operators have an opportunity to differentiate themselves by launching innovative products with an effective cost structure and upgrading their infrastructure.

    Solution

    Designed on the digital-first, cloud-first philosophy, TCS BaNCS for Payments aims to transform payment processes for financial institutions with its extensive end-to-end multi-product payment processing capabilities. The integrated solution is built on a modern architecture enabling easy integration with customer channels, internal systems, and market infrastructure by leveraging API-driven capabilities. TCS BaNCS for Payments is natively built on ISO 20022 standards and is a SWIFT and SWIFT gpi-certified application that adheres to regional regulations across multiple geographies. 

    Swipe Left
    Swipe Right

    The enterprise payments hub has enabled us to provide cutting-edge features to our clients in the domestic payments space. Within a year, the platform has successfully scaled to support payments transaction volume growth of more than 30 percent.

    Axis Bank, India

    Powered by TCS BaNCS:

    Real-time payments

    TCS BaNCS for real-time payments helps organizations offer a superior omnichannel customer experience with instant payments across geographies with varying clearing rules, SLA requirements, account addressing, and messaging standards. The solution focuses on delivering a higher degree straight through processing and enables latest payment mechanisms, including instant transfer, instant debit, request-to-pay, and pay-by-proxy. 

    P27 payments

    TCS BaNCS’ SEPA- and ISO 20022-compliant system is designed to act as a foundation for the P27 initiative

    P27 payments is the world's first real-time, cross-currency payment system built by six major Nordic banks, providing secure and rapid direct payments to 27 million Nordic citizens. 

    TCS BaNCS for Payments is SWIFT and SWIFT GPI certified application adhering to regional regulations across multiple geographies. The solution has been certified for the payments market with SWIFTReady labels for more than 10 years now. Read more about the SWIFT certification here.

    Certifications

    SWIFT gpi 2023

    SWIFT gpi 2023

    swift compatible payment logo

    SWIFT Payments 2023

    Read more

    1/4
    TCS BaNCS™ Banking

    Leveraging AI/ML Technologies for T+0 Settlements

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    Cross Border Payments – Drivers, Evolution, and More

    Article | 10 Dec 2025   Opens in new tab
    3/4
    TCS BaNCS™ Banking

    Algorithmic Bias in Artificial Intelligence and Mitigation Strategies

    Article | 09 Dec 2025   Opens in new tab
    4/4
    TCS BaNCS™ Banking

    Leveraging AI in Asset Servicing Operations

    Article | 08 Dec 2025   Opens in new tab
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