service delivery, with rapid innovation and value
creation, all at a lower cost than siloed systems. Also, full
2. Enhancing Customer Experience
l TCS BaNCS Digital: Ready-to-deploy consumer and
participation in emerging marketplace ecosystems will
increasingly require the real-time access and operational
enterprise apps.
reliability enabled by cloud computing.
Mobile is evolving toward mass personalization in the
form of customized apps powered by microservices.
l TCS BaNCS Digital App Development Kit (ADK):
Allows banks to build mobile and online apps using
configurable, domain-aware widgets.
l AI and Analytics: Predicts customer needs by
Rather than one-size-fits-all apps intended to appeal to
an entire market, we will see customized apps configured evaluating available data, with machine learning being
and assembled in real-time for individuals or narrowly- deployed to continuously improve system performance.
l Conversational UI: Voice-powered interface with the
defined market segments based on their investment and
transaction needs.
Data Analytics/AI makes it possible to implement mass
personalization. Financial institutions will increasingly
rely upon instant decisions on how to personalize apps,
when and where to offer promotions, and through which
channels to make offers, based on real-time data such
as location, purchase history, shopping behavior, lifestyle
change indicators, and payments data.
Agile/DevOps: IT orga nizations can become faster and
more flexible in their responses to marketplace changes,
technology transitions, and competitors’ offerings.
Adopting Agile and DevOps methodologies supports
enhanced IT readiness with higher capacity to meet
evolving business requirements, increased flexibility to
change course in response to customer feedback, and
improved ability to deploy quickly with lower risk to
customers and stakeholders.
Drawing upon those technologies, we are investing in the
following initiatives designed to prepare our customers for
the emerging Business 4.0 economy:
1. Enabling Ecosystems
l Quartz: Blockchain solutions designed for specific
sophistication to handle customer queries and requests.
3. Powering the Digital Core
l Microservices: Aggregate business capabilities and
data into API-enabled microservices, which improves
access for customers while promoting code reuse. By
deploying microservices, organizations can reimagine
business transformation with elastic scalability to match
business demand in real time.
l Zero-Touch Operations: We are working toward the goal
of zero manual interventions in the operating environments
within our client financial institutions. To this end, enhanced
automation and machine learning capabilities are being
embedded into our core solution components.
l Collaborative Ecosystems: Ensure that core systems
are ecosystem-ready to support innovation and faster time
to market.
l APIs: Real-time ‘plug-in’ for TCS BaNCS to support
ease of integration with a wide range of internal systems,
customers, and business partners. We have vastly enhanced
the range of capabilities in our powerful, finely-grained APIs.
l Open banking: Facilitate adoption of industry
standards for ISO 20022 messaging in a way that coexists
business challenges, built using the embedded design with earlier standards, and build components aligned to
principles of Co-existence, Integration, and Interoperability. BIAN and IFX Forum specifications.
We are already engaged in projects planned for production
We envision a world in which these diverse initiatives will
in 2019, and are also participating in a few pilot programs enable TCS BaNCS customers succeed in taking advantage
with our clients. of the opportunities unleased by the digital economy, and
l TCS BaNCS Cloud: TCS BaNCS in a SaaS model,
available through the cloud in multiple markets. We have
we strive to be a partner of choice for our customers in
this exciting journey.
launched in the UK and in selected countries in Asia, and
are quickly adding clients to the offering.
l TCS BaNCS Marketplace: A venue for TCS BaNCS
customers to share and exchange production-ready,
We really look forward to discussing ideas for reaching the
next frontier with you at Sibos 2018 in Sydney and at TCS
BaNCS Dialogues throughout the upcoming year, and then
realizing these ideas in your organizations in the days to come.
l
customer-focused solutions with one another, and to
leverage our growing partner solutions and apps.
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