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Tata Consultancy Services’ strategic partnerships with FinTechs, investment in emerging technologies like Gen AI, and focus on sustainable lending practices are cited as key strengths
NEW YORK | MUMBAI, August 15, 2024: Tata Consultancy Services (TCS) has been positioned as a Leader in Everest Group’s PEAK Matrix® for Lending IT Services1.
Among 28 leading IT service providers assessed in the report, TCS was placed highest for its vision and capability. According to the report, TCS leverages emerging technologies such as Generative AI and cloud solutions to enhance its lending IT services. It goes on to say that TCS has formed strategic partnership with key FinTechs in the lending industry to offer end-to-end lending services. The report says, TCS is driving sustainability initiatives within the lending domain by collaborating with energy certificate providers to assess property energy ratings and assisting banks in transitioning to green portfolios.
Highlighting its global presence as a key strength, the report says this empowers TCS to offer comprehensive lending IT services to clients across various regions, ensuring widespread accessibility and support. As a testimony of the impact created by TCS, the report mentions clients’ appreciation for TCS’ industry insights and technological prowess, providing valuable insights and innovative solutions that align with the complexities and nuances of the lending sector.
“From underwriting to customer experience, the global lending sector is in an evolutionary phase. Advanced technologies like AI are presenting transformative opportunities to organizations. With a focused lending practice covering commercial, consumer and mortgage combined with a strong partnership ecosystem with leading Fintechs, strategic investments in advanced technologies and co-innovation with customers, TCS is helping lenders build customer-centric, data-driven efficient businesses,” said Shankar Narayanan, Business Group Head, BFSI – UK, EMEA & APAC, TCS. “This recognition as a Leader is a reflection of the differentiated capabilities we bring to lenders on their journey of transformation.”
TCS has deep expertise across lines of business in lending like consumer lending, residential mortgages, unsecured lending, small business lending, commercial lending, corporate and wholesale lending, syndicate loans, asset-based finance, asset finance, equipment finance, leasing, supply chain finance, and commercial real estate. The company’s expertise across the value chain lies in sales, origination, credit underwriting, credit fulfilment, servicing, administration, debt collections, stressed asset management, credit risk management, credit portfolio management and compliance.
TCS has partnered with lenders and financial institutes globally to reinvent their business models, offer market relevant product and services and deliver differentiated customer service while effectively managing cost and risk. TCS’ leadership in the segment is driven by its proficiency in credit domain, outcome driven innovation, investments in building next generation solutions and intellectual property, and nurturing a vibrant partner ecosystem.
TCS’ pioneering initiatives include embedded finance, sustainable finance, developing new business models, behavior finance, adoption of extreme digital in lending, AI-based credit decision and management. Key client transformations include deploying a cloud-based mortgage and small business platform, building robust credit systems in wholesale and commercial lending leveraging TCS IP and patented solutions, and supporting a finance firm to adopt a new business model.
TCS' key differentiator in the lending space is the deep domain and functional knowledge, nurtured and leveraged to execute engagements for clients. It has over 30,000 associates dedicated to lending technology services globally. TCS also has a dedicated group of domain consultants focused on strategic advisory, industry innovation, and thought leadership.
TCS consulting and technology services in lending include advisory, developing new business models, business design, process reengineering and digitization, transformation planning and design, application development, application maintenance, third party application implementation, system integration, quality assurance and testing, network services, infrastructure services, cloud migration, M&A integration, data migration, technology modernization.
“TCS has enhanced its end-to-end lending services capabilities and growth through strategic partnerships with leading lending platforms, complemented by its active engagement in sustainability initiatives, particularly in assisting banks with the transition to green portfolios,” said Kriti Seth, Practice Director, Everest Group. “Strong client recognition for its industry acumen and in-depth market understanding, coupled with innovative AI investments have helped TCS earn a Leader recognition on Everest Group’s Lending IT Services PEAK Matrix Assessment 2023.”
1 Lending IT Services PEAK Matrix® Assessment 2023, Ronak Doshi, Everest Group, 20 December 2023
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