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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.

Adaptability starts here
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    What we do

    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.

    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
    • TCS Interactive
    • Sustainability Services
    • 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™
    Where adaptability meets advantage
  • 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
    • TCS Interactive
    • Sustainability Services
  • 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

    We deliver excellence and create value for customers and communities.

    Our expert, committed team put our shared values into action – every day. 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
    We deliver excellence and create value for customers and communities.
  • Brand
  • Leadership
  • Community
  • Sustainability
  • Inclusion
  • Values
  • Insights

    Discover why customers choose TCS

    We are a digital transformation and technology partner of choice for industry-leading organizations worldwide.

    Read our customer success stories.
    • Events
    • Analyst Recognition
    • Global Studies

    Upcoming events

    27 Dec 2025 TCS at Guidewire Connections 2025
    01 Dec 2025 TCS at AWS re:Invent 2025
    18 Nov 2025 TCS is a Gamechanger Sponsor of Microsoft Ignite 2025
    View all

    Recent recognitions

    15 Oct 2025 From Technical Liability to Digital Dominance: Plaza Premium Group’s Bold Transformation
    06 Oct 2025 Unlocking the Future: 6G & AI for Telcos
    18 Sep 2025 Emirates NBD Transforms Payments and Reengineers Banking Operations
    View all
    Discover why customers choose TCS
  • 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

    16 Oct 2025 TCS and Infineon Partner to Redefine Digital Experience and Accelerate Sales Growth
    16 Oct 2025 NCVET Selected TCS to Develop a Portal Aimed at Democratizing the Vocational Skill Development Ecosystem in India
    19 Sep 2025 TCS Interactive Opens Flagship Studio in New York City to Drive Innovation-led Experiences
    View all
    Find the latest news about TCS
  • News Alerts
  • Media Kit
  • Investors

    Tata Consultancy Services Limited
    NSE:TCS
    INR
    Discover more Q1FY26 Debrief
    • Management Commentary
    • Financials
    • News and Events
    • ESG
    • Resources
    • Latest Quarter Commentary
    • Annual Report Section
    • Quarterly Earnings Reports
    • Download TCS Data Sheet
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    • Unclaimed Dividend Information
  • Management Commentary expand here
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    • TCS BaNCS™
    • video

    A one-of-a-kind approach to payment transformation 

    Share A One-of-a-kind Approach to Payments System Transformation
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    Industry

    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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    Integrating Generative AI into Risk Management and Compliance
    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
    Steering your Firm through the AI Revolution
    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
    TCS BaNCS - Charting the Future of Finance
    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

    Solution

    TCS BaNCS™ This will open an overlay

    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.
    Learn More
     about TCS BaNCS™: Enabling Transformation in Banks and Financial Institutions
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    Related Insights
    Steering your Firm through the AI Revolution
    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
    TCS BaNCS - Charting the Future of Finance
    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
    Designing Autonomous Systems for Resilient Market Infrastructure
    As the complexities of market infrastructures rise, autonomous systems with predictive scaling and self-healing help adapt to volatility and stay compliant.
    White Paper
    10 Oct 2025

    A next-generation bank’s payment landscape transformation

    A bank in a hypergrowth market transforms its payment landscape with the help of TCS BaNCS, leading to an award-winning implementation story that delivers auto-scaling capabilities to meet transaction volume demands.

    When a rush of payments on a specific rail were routed through a next-generation bank in India’s core banking system, the core banking system itself became a bottleneck, leading to service outages impacting the availability of payment services to customers. 

    What did the bank do?

    It adopted a novel approach of processing payments using cloud-native microservices designed to scale payment rail-wise and payment product-wise.

    Read below to know more.

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    Across the world, key decision makers in banks are planning the future of their organization and taking the decisions to chart their right path.

    How then do they achieve the desired outcomes? Let's meet one of them and find out.

    What's a different, focused approach to transforming a banking system for a major bank?

    A new-generation bank in India led this discovery.

    India, in the last decade, has launched several ambitious initiatives to promote digital identity, financial inclusion, and mobile access. These efforts earned the country a global leadership position in digitalization, including triple-digit year-over-year hypergrowth in digital payments. 

    Shashank Mishra, the CTO of this bank, was faced with a unique problem, which he brought to TCS.

    When a rush of payments on a specific rail was routed through the bank’s legacy core banking system, the core banking system itself became a bottleneck, leading to service outages impacting the availability of payment services to customers.

    Shashank realized that the hypergrowth phenomenon was related to digital payments volumes alone rather than the number of customers or accounts. Moreover, these payments volumes were highly variable with peak days requiring up to twice the capacity of non-peak days.

    What his payment solutions required were the flexibility to scale up and down on demand in a way that alleviated the increasing pressure on the core banking system. The TCS banking solution proposed by TCS involved transforming the payment processing architecture alone at the bank. This was a novel approach of processing payments using cloud-native microservices designed to scale payment rail-wise and payment / product-wise. The payment solution from TCS BaNCS deployed on a microservices architecture and the cloud connects to multiple payment rails including NEFT clearinghouse payments, RTGS wires, and IMPS real-time payments. Each of these payment channels can be scaled up and down independently to accommodate the changes in payment volumes. Needless to say, customer experience levels increased for the bank with this approach. Shashank’s team of managers is now able to market new products in significantly less time. As the consumption and related costs are linked to volumes while costs are reduced during off-peak windows, the bank retains the capacity to meet increased volumes on demand. This solution is widely recognized by the global payments industry as a model for a targeted technology deployment that avoids the immediate need for a core banking upgrade. It also demonstrates the benefits of microservices as a foundation for next-generation banking. The customer and the bank we described here stand out for their vision and the path they chose to transform their bank. 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 catalogue 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.

    Related reading

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    Press Releases | 17 Jul 2023   Opens in new tab

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