Paro, Bhutan

We selected the TCS BaNCS solution for its superior design and advanced breadth and depth of functionality, and in keeping with our vision of enhancing— and enriching– customer experience levels at our Bank

– Bank of Bhutan


Business Solution

Transforming the core of your business

Meeting the complex demands of a discerning customer, keeping up with disruptive entrants and an ever-increasing swathe of regulations has made it imperative for banks to choose what stance they wish to adopt today, be it as a trend setter or a fast follower. Remaining at the same place is not an option any more.

Technology has now become a transformative vehicle for change, enabling enhanced customer experience and efficient operations.

TCS BaNCS for Core Banking is a solution that can help your bank develop a customer-centric business model, simplify operations, enable innovation and manage risk and compliance effectively.

Comprising loans, deposits, wealth management, digital channels and risk and compliance components, it is a solution of choice for more than 300 banks worldwide.

It stands out for its established track record of fail-proof implementations, a critical factor in core banking deployment.

It has been recognized by leading industry analysts for its broad and deep functionality, flexibility, viability and operational performance.


Efficiently manage change

TCS BaNCS for Core Banking is built on a modern, flexible, component based architecture, and integrates deposits and loans on a single system. With TCS BaNCS, banks can benefit from:

    • TCS-Bancs-EYScalability – The solution has successfully been benchmarked to handle 1 billion deposit and loan accounts with peak throughput of over 17,000 TPS.
    • Agility – It can be deployed as is or in combination with any of TCS BaNCS or third-party front, middle, or back-end applications, delivering increased agility to a bank’s business operations.
    • Integration – Designed on Java, TCS BaNCS is built with the SOA-based architecture where all the business operations are available as services for external consumption. TCS BaNCS also has an integration layer which handles all aspects of integration including routing, transformation and validation.

TCS BaNCS is a high performance offering that has:

    • Enhanced customer experience at Credit Union Australia (CUA) with a single customer view that helped them save 150,000 minutes of service time per month.
    • Increased transaction currency volumes at Hubei Rural Credit Union to 2,500 per second–ten times higher than that from the previous core banking system
    • Deployed an integrated, highly configurable payments, core banking, securities processing and compliance solution at PostFinance, meeting their high performance requirements
    • Increased STP rates by more than 25% at Societe Generale and helped them gain 40% in back-office processing efficiency

To learn more, click here to read our brochure or write to us at

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