TCS BaNCS Global Banking Platform

Payments Processing

Treasury

Open Banking

Marketplace

Micro�nance

Cloud APIs

Real Time Payments

Exemplifying the principle of abundance and mass personalization, the open design and architecture of TCS BaNCS can help banks connect with customers, Fintechs and partners in a collaborative and agile manner, thereby leveraging the power of larger and connected ecosystems.

What your bank needs is a trusted, reliable and experienced technology partner who can help give your customers the solutions they need tomorrow, today. The TCS BaNCS Global Banking Platform is a solution that enables this for you. Deployed across retail, corporate, private, Islamic banks of varying sizes, co-operatives, non-banking �nancial institutions, micro-lenders and credit unions, the TCS BaNCS solution o�ers the largest collection of components, enterprise and consumer apps made available through the cloud and on-premise, helping �rms become more agile and intelligent. Recognized and ranked consistently as a leader by industry experts worldwide, the solution has been installed across more than 450 sites worldwide.

Digital First, Cloud First Banking

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At TCS BaNCS, we are working on the strategy of Digital First, Cloud First. TCS BaNCS enables you to o�er products and services to your customers throughout their lifecycle, and journey with your bank, based on their anticipated requirements, and over the devices of their choice. It is an integrated solution comprising innovative and

adaptive digital apps and a high performing processing engine supporting a suite of a wide range of products and services covering assets and liabilities, cash and securities, and is deployed to �t the business and operating model of a bank with an assured 24x7x365 availability.

All banks today are keen to be seen as innovative, intelligent and intuitive. Innovative, in that they are using digital technologies to enable a rich and superior customer experience. Intelligent, in that they tap into Arti�cial Intelligence in the form of advanced analytics, Machine Learning, and conversational assistants to know customers and let customers know their own banks better, and position personalized, contextual solutions to the customer at the right time and place, without being intrusive. Intuitive, in that they are able to predict future customer needs, and in order to harness the bene�ts of rapidly evolving technology, design technology that is future proof.

How can your bank redesign the experience you give to your customers across their life and purchasing journeys?

Can you take up the challenges that open banking brings and embrace it to rede�ne your business models, invest in partnerships to enhance revenues from larger, connected �nancial ecosystems?

How can you leverage emerging and disruptive technologies to automate business processes and make transactions more e�cient, even while you adhere to regulatory and security needs, and make the necessary cultural changes in your organization?

Infrastructure

Data Layer

Transaction Services

Analytics | Automation | AI

Experience APIsOpen APIs

RESTFUL Open Banking APIs – OBF / IFX/BIAN

Embedded Intelligence in Core Banking Processes

Alternative databases Data lake oriented approach

APIs for Smart Banking-Customer & Enterprise

Componentization manifested as Microservices Architecture

Market Infra

Innovation Labs

Partner Banks

Fund Manager

Utilities Insurance

Developers

Fintechs

eRetailer

Container-based deployment and scaling out DevOps based CI-CT-CD

In-houseEcosystem

TCS BaNCS APIs, BaNCS Sandbox, QUARTZ Smart DLT Solutions, BaNCS Industry Network

Optimizing OPEXScale out on demand

DevOps oriented

TCS BaNCS Digital with Hybrid Architecture and BaNCS App Development Kit

enabling Market Places

Evolving Core Architecture

Enabling Ecosystems

Embedding Intelligence

Scaling with Cloud

Gaining Insights from Data

Connected Experience

Componentization, MicroservicesContainerization

Continued alignment with BIAN aligned componentization & TCS BaNCS Microservices

AI, NLP, ML Self Healing, Auto Learning based STP

Embedded AI/ML enabled Zero Touch approach AI/ML enabled system operations

40+ Analytics Models available, Integration into Data Stores

with Data extracts, Data APIs

The solution’s integrated analytics engine is designed to give you deep insights from varied sets of data across multiple channels, customer behavior and needs, and enterprise performance. The extensive and varied domain experience and knowledge gained from deploying the TCS BaNCS solution over more than 450 banks worldwide, has resulted in the creation of a number of descriptive and predictive analytical models which add value in all channels of engagement with customers—be it through an enterprise user or self-service digital channels.

Putting Arti�cal Intelligence (AI) to work by enhancing the e�ciency of the operations of a bank is now an integral part of our product strategy. Embedding AI techniques like Natural Language Processing (NLP) and Machine Learning (ML) into the Digital core, TCS BaNCS brings innovative solutions such as a Conversational User Interface to augment customer servicing capabilities. ML techniques make it possible to enhance operational e�ciencies with better exception management in manual e�ort intensive processes such as reconciliations, compliance (AML) and others.

The TCS BaNCS AdvantageThe TCS BaNCS solution directly impacts a bank’s most critical performance areas–customer engagement, business agility, organizational productivity, operating costs, and regulatory compliance–all of which have a bearing on its pro�tability. Our customers have used the solution to achieve impressive and tangible business goals as illustrated in the graphic.

By empowering our customers to embrace risks, leverage new and extended ecosystems, and create exponential value---which are key elements of the TCS Business 4.0TM framework --- we are able to foster growth and transformation, equipping �nancial institutions with a clear and di�erentiated advantage.

Lower TCO

Increase Customer Base

Pro�tability Ratio

New Product Time-to-market

Increase Pro�ts

48

300

100

2130

20%

40%

100%

300%

TCS BaNCS delivers substantial results to banks, through:Improved return on investment and reduced total cost of ownership

Enhanced e�ciency through automation of standardized and simpli�ed processes

Organic and inorganic growth with unmatched performance and scalability

High �exibility and con�gurability supporting a variety of banking models

Ease of integration through in-built service integration capabilities

Transforming to the True Digital Core With TCS BaNCS, your bank will be able to create a strong Digital Core to bring in true and end-to-end transformation--right from distribution channels and to the core processing engine. The strong Digital Core of TCS BaNCS can expand the art of the possible by making business transactions and services highly secure, easy to integrate with, alongside functionally granular APIs available in the larger ecosystem that the bank is operating in. This approach of API based banking, while at one end, enables the customer of the bank to leverage her account as a powerful means to transact based on her consent and subject to her authorization and, from another end, brings customers of other service providers into the bank in a seamless manner, enabling opportunities for exponential growth.

TCS BaNCS for Banking services more than 25% of the global population.

Two of the world's largest core banking implementations run on TCS BaNCS, processing 1BN accounts.

Strong and complete integration framework that include adaptors for interoperability with evolving industry solutions, including those that are based on Blockchain.

A co-existence capability, which aids in migrating from a traditional core banking to a modern Open Banking-oriented solution.

TCS BaNCS is built on a modern and open architecture embracing best-in-class principles, giving the solution a future proof edge. The n-Tier Java-based, cloud-friendly architecture adopts best practices such as:

Elastic scalability enabled by container-based deployment and microservices-oriented product development.

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About TCS Financial Solutions

TCS Financial Solutions is a strategic business unit of Tata Consultancy Services. Dedicated to providing business solutions to �nancial institutions globally, TCS Financial Solutions has compiled a comprehensive product portfolio under the brand name of TCS BaNCS. The TCS BaNCS universal �nancial solution is designed to help �nancial services institutions enhance end customer experience, enabling them to embrace open and innovative technologies that embody true digital customer engagement. Deployed at more than 450 installations worldwide, it is the largest collection of components, enterprise and consumer apps for the �nancial industry made available through the cloud, helping �rms become more agile and intelligent by leveraging the power of new and extended ecosystems.

To know more about TCS BaNCS, please visit: https://www.tcs.com/bancsor write to us at tcs.bancs@tcs.com