Across the World, Key decision makers in banks are planning the future of their organization and taking the decisions to chart the right path. How then do they achieve the desired outcomes? Let's meet one of them and fit. Doubt. A leading Nordics based bank running on TCS BaNCS, viewed their core banking platform as the launch pad for multiple digital transformation initiatives. They wanted TCS BaNCS to help them in this journey, one where they could transform all their applications incrementally, catering to evolving customer and market needs. Quick time to market and a seamless customer experience defined the banks and its COO Thor Olsson's digital transformation objectives. Added to this, the bank was preparing for  the payments, harmonization and the future changes to payments infrastructure that were fast gaining significant importance in the market. TCS BaNCS is helping the bank charter this journey with ease. Take the case of automated approvals for unsecured loans. Many customers whose credit checks and scores were in place, often needed loans disbursed in the shortest time possible. TCS BaNCS has enabled the bank to automate the process completely, moving from a week long process to being able to provide loans to these customers instantaneously via a mobile app, creating a true frictionless experience. Many other innovative products targeted at youth and green finance have been rolled out in record time. The bank is leveraging advanced analytics and adopting a data strategy to gather more intelligence and apply the information to derive and deliver more value to its customers. The bank delivers improved customer experiences through their projects on open banking and personal finance management. API integrations with over 220 plus web services and the products secure, scalable and Componentized architecture has helped the bank achieve compliance to the evolving changes in payment infrastructure easily. In fact, the bank is ahead of the curve in compliance and is launching new products and services for its customers. A noteworthy fact is that TCS banks processes more than a billion dollars worth of payments every day across the globe, with many of the leading banks running on the solution, the customer and the bank we described here stands out for their vision and the path they chose to transform. They have benefited from TCS BaNCS Next Generation, digital core and advanced depth and breadth of functionality. The Solutions micro services based, cloud native architecture, rich catalog of APIs is helping banks innovate and drive their digital strategy, identify new business opportunities and grow their footprint across the regions they operate in. creating frictionless digital financial user. Journeys. Are you one such bank? Tell us your story.