Core banking transformation, a catalyst for digital innovation at a Tier-1 bank
An award-winning core banking platform continues to reap benefits for a Tier-1 European Bank, serving as a springboard for digital innovation.
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Banking
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Banking Services Transformation: Unlocking Exponential Value
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TCS BaNCS™
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Article
22 Nov 2023
A leading Nordics-based bank and its COO, Thor Olsson, wanted a single, core banking platform to transform all their applications incrementally while preparing for increasing payment harmonization in the region.
Read below to know how they went about achieving the desired outcomes.
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Across the world, key decision makers in banks are planning their organization’s future and making the decisions to take the right path.
How, then, do they achieve the desired outcomes?
Meet one of them and find out.
A leading Nordics-based bank, running on TCS BaNCS, viewed its core banking platform as the launchpad for multiple digital transformation initiatives. They wanted TCS BaNCS to help them in their journey -- one wherein they could transform all their applications incrementally, catering to evolving customer and market needs, quick time-to-market, and a seamless customer experience -- defined by the bank and its COO, Thor Olsson’s digital transformation objectives. Added to this, the bank was preparing for payment harmonization and the future payment infrastructure that was fast gaining significance in the Nordics. TCS BaNCS is helping the bank charter this journey with ease.
Take the case of automated approvals for unsecured loans. Many customers whose credit checks and scores were in place, often needed loans disbursed in the shortest time possible. TCS BaNCS has enabled the bank to automate the process completely, moving from a week-long process to providing loans to these customers instantaneously via a mobile app, creating a true, frictionless experience.
Many other innovative products targeted at youth and green finance have been rolled out in record time. The bank is leveraging advanced analytics and adopting a data strategy to gather more intelligence and apply the information to derive and deliver more value to its customers. The bank delivers improved customer experiences through their projects on open banking and personal finance management.
API integrations with more than 220 web services and the product’s secure, scalable, and component-tied architecture have helped the bank achieve compliance with the evolving Nordics payment infrastructure easily.
In fact, the bank is ahead of the curve in compliance and is launching new products and services for its customers. A noteworthy fact is that TCS BaNCS processes more than a billion-dollar worth of payments every day across the globe, with many of the leading banks running on the solution.
The customer and the bank we described here stand out for their vision and the path they chose to transform. They have benefited from TCS BaNCS’ next-generation digital core and advanced depth and breadth of functionality. The solution’s microservices-based, cloud-native architecture and a rich catalog of APIs are helping them innovate and drive their digital strategy, identify new business opportunities, and grow their footprint across the regions they operate in.
Disclaimer: Name and persona mentioned in this case study are fictitious and are for illustrative purposes only. No association with any real name, person, role, or places is intended or should be inferred.
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