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 find out what's a different focused approach to transforming a banking system for a major bank, a new generation bank in India led this discovery. India in the last decade had launched several ambitious initiatives to promote digital identity, financial inclusion and mobile access. These efforts earned the country a global leadership position in digitalization, including triple digit year over year hyper growth in digital payments Shashank Mishra. The CTO of this bank was faced with a unique problem which he brought to TCS. when A rush of payments on a specific rail were routed through the Bank's legacy core banking system, the core banking system itself became a bottleneck, leading to service outages impacting the availability of payment services to customers. Shashank realized that the hyper growth phenomenon was related to digital payments volumes alone, rather than from the number of customers or accounts. Moreover, these payments volumes were highly variable with peak days requiring upto twice the capacity of non-peak days. What his payment solutions required were the flexibility to scale up and down on demand in a way that alleviated the increasing pressure on the core banking system. The TCS BaNCS solution proposed by TCS involved transforming the payment processing architecture alone at the bank. This was a novel approach of Processing payments using cloud native microservices designed to scale payment rail wise and payment product wise. The payment solution from TCS BaNCS deployed on a micro services architecture and the cloud connects to multiple payment rails including NEFT clearinghouse payments, RTGS wires and IMPS real-time payments. Each of these payment channels can be scaled up and down independently to accommodate the changes in payments volumes. Needless to say, customer experience levels went up by many notches from the bank. With this approach, Shashank's team of managers are now able to market new products in significantly lesser time. As the consumption and related costs are linked to volumes, while costs reduce during off peak windows, the bank retains the capacity to meet increased Volumes on demand. This solution is widely recognized by the global payments industry as a model for a targeted technology deployment that avoids the immediate need for a core banking upgrade. It also demonstrates the benefits of micro services as a foundation for next generation banking. The customer and their bank we described here Stand 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 microservices based cloud native architecture, rich catalog of APIs is helping banks innovate and drive their digital strategy, identifying 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.