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    TCS is here to make a difference through technology.

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      20 Feb 2025 TCS Ranked Europe’s #1 IT Services Provider for Customer Satisfaction
      19 Feb 2025 TCS Collaborates with MassRobotics in North America to Accelerate Innovation in the Robotics Sector
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      18 Feb 2025 TCS Named Top Employer in Europe for 2025 by the Top Employers Institute
      10 Feb 2025 TCS Sustainathon™ South Africa 2024: Winners Propose Energy-Efficient Vaccine Storage Solution for Rural Africa
      23 Jan 2025 TCS Offers GenAI-based Solutions to Help Financial Institutions Enhance Customer Experience, Improve Reporting
      View all
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      13 Feb 2025 TCS Positioned as a Leader in IDC MarketScape for Worldwide Life Science R&D ITO Services 2024
      29 Jan 2025 TCS Named a Leader in IDC MarketScape: European SAP Modernization Services 2024 Vendor Assessment
      17 Jan 2025 TCS Recognized as a Leader in Gartner Magic Quadrant for Worldwide Cloud ERP Services
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    What we do
    • Overview Press tab for submenu items

      TCS is here to make a difference through technology.

      Leading the way in innovation for over 55 years, we build greater futures for businesses across multiple industries and 55 countries.

      Discover all solutions
    • Industries
      • Banking
      • Capital Markets
      • Consumer Packaged Goods and Distribution
      • Communications, Media, and Information Services
      • Education
      • Energy, Resources, and Utilities
      • Healthcare
      • High Tech
      • Insurance
      • Life Sciences
      • Manufacturing
      • Public Services
      • Retail
      • Travel and Logistics
    • Services
      • Artificial Intelligence
      • Cloud
      • Cognitive Business Operations
      • Consulting
      • Cybersecurity
      • Data and Analytics
      • Enterprise Solutions
      • IoT and Digital Engineering
      • Network Solutions and Services
      • TCS Interactive
      • Sustainability Services
    • Products and Platforms
      • TCS ADD™
      • TCS BANCS™
      • TCS BFSI Platforms
      • TCS CHROMA™
      • TCS Customer Intelligence & Insights™
      • TCS ERP on Cloud
      • ignio™
      • TCS iON™
      • TCS HOBS™
      • TCS Intelligent Urban Exchange™
      • TCS OmniStore™
      • TCS Optumera™
      • TCS Tap™
      • Quartz™ – The Smart Ledgers™
      • TCS TwinX™
      • TCS MasterCraft™
      • Jile™
    • Research & Innovation
      • TCS Research
      • TCS Pace™
    Overview
  • Industries expand here
    • Banking
    • Capital Markets
    • Consumer Packaged Goods and Distribution
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    • Network Solutions and Services
    • TCS Interactive
    • Sustainability Services
    • Overview
  • Products and Platforms expand here
    • TCS ADD™
    • TCS BANCS™
    • TCS BFSI Platforms
    • TCS CHROMA™
    • TCS Customer Intelligence & Insights™
    • TCS ERP on Cloud
    • ignio™
    • TCS iON™
    • TCS HOBS™
    • TCS Intelligent Urban Exchange™
    • TCS OmniStore™
    • TCS Optumera™
    • TCS Tap™
    • Quartz™ – The Smart Ledgers™
    • TCS TwinX™
    • TCS MasterCraft™
    • Jile™
    • Overview
  • Research & Innovation expand here
    • TCS Research
    • TCS Pace™
    • Who we are
    • Overview Press tab for submenu items

      We’re in it for good, driving positive change for the benefit of all.

      Our expert, committed team put our shared beliefs into action – every day. Together, we combine innovation and collective knowledge to create the extraordinary.

      Discover the difference
    • About Us
      • Leadership
      • Corporate Sustainability
      • Diversity, Equity, and Inclusion
      • Corporate Social Responsibility
      • The TCS Way
      • Sports Sponsorships
      • Alliances
    Overview
  • About Us expand here
    • Leadership
    • Corporate Sustainability
    • Diversity, Equity, and Inclusion
    • Corporate Social Responsibility
    • The TCS Way
    • Sports Sponsorships
    • Alliances
    • Insights
    • Overview Press tab for submenu items

      Extraordinary expertise leads to remarkable results.

      We share news, insights, analysis and research – tailored to your unique interests – to help you deepen your knowledge and impact.

      Discover Expert Insights
    • Customer Stories
    • Perspectives
    • Global studies
    • Topics
      • Metaverse
      • Sustainability
      • Cybersecurity
      • Blockchain
      • Cloud
      • Future of Work
      • Health & Wellness
      • IoT
      • Data Analytics and Storage
    Overview
  • Customer Stories
    • Overview
  • Perspectives
    • Overview
  • Global studies
    • Overview
  • Topics expand here
    • Metaverse
    • Sustainability
    • Cybersecurity
    • Blockchain
    • Cloud
    • Future of Work
    • Health & Wellness
    • IoT
    • Data Analytics and Storage
    • Careers
    • Overview Press tab for submenu items

      Want to be a global change-maker? Join our team.

      At TCS, we believe exceptional work begins with hiring, celebrating and nurturing the best people — from all walks of life.

      Join us
    • India
      • India
    • Americas
      • Argentina
      • Brazil
      • Canada
      • Chile
      • Colombia
      • Ecuador
      • Mexico
      • Peru
      • Uruguay
      • USA
    • Asia Pacific
      • Australia
      • Mainland China
      • Hong Kong SAR
      • Indonesia
      • Japan
      • Malaysia
      • New Zealand
      • Philippines
      • Republic of Korea
      • Singapore
      • Chinese Taipei
      • Thailand
    • Europe and UK
      • Belgium
      • Denmark
      • Estonia
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      • France
      • Germany
      • Hungary
      • Ireland
      • Italy
      • Luxembourg
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      • United Kingdom
    • Middle East and Africa
      • Bahrain
      • Israel
      • Kuwait
      • Qatar
      • Saudi Arabia
      • South Africa
      • United Arab Emirates
    Overview
  • India expand here
    • India
    • Overview
  • Americas expand here
    • Argentina
    • Brazil
    • Canada
    • Chile
    • Colombia
    • Ecuador
    • Mexico
    • Peru
    • Uruguay
    • USA
    • Overview
  • Asia Pacific expand here
    • Australia
    • Mainland China
    • Hong Kong SAR
    • Indonesia
    • Japan
    • Malaysia
    • New Zealand
    • Philippines
    • Republic of Korea
    • Singapore
    • Chinese Taipei
    • Thailand
    • Overview
  • Europe and UK expand here
    • Belgium
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    • Estonia
    • Finland
    • France
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    • Overview
  • Middle East and Africa expand here
    • Bahrain
    • Israel
    • Kuwait
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    • Saudi Arabia
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    • Newsroom
    • Overview Press tab for submenu items

      Find the latest news about TCS in our Newsroom

      Get access to a catalog of the latest news stories from across TCS. Discover our press releases, reports, and company announcements.

      Discover more
    • Press releases

      Recent Press releases

      20 Feb 2025 TCS Partners with Salesforce to Unlock the Power of AI for Manufacturers, Semiconductor Suppliers
      20 Feb 2025 TCS Ranked Europe’s #1 IT Services Provider for Customer Satisfaction
      19 Feb 2025 TCS Collaborates with MassRobotics in North America to Accelerate Innovation in the Robotics Sector
      View all
    • News alerts

      Recent News

      18 Feb 2025 TCS Named Top Employer in Europe for 2025 by the Top Employers Institute
      10 Feb 2025 TCS Sustainathon™ South Africa 2024: Winners Propose Energy-Efficient Vaccine Storage Solution for Rural Africa
      23 Jan 2025 TCS Offers GenAI-based Solutions to Help Financial Institutions Enhance Customer Experience, Improve Reporting
      View all
    • Analyst recognition

      Recent recognitions

      13 Feb 2025 TCS Positioned as a Leader in IDC MarketScape for Worldwide Life Science R&D ITO Services 2024
      29 Jan 2025 TCS Named a Leader in IDC MarketScape: European SAP Modernization Services 2024 Vendor Assessment
      17 Jan 2025 TCS Recognized as a Leader in Gartner Magic Quadrant for Worldwide Cloud ERP Services
      View all
    • Events

      Upcoming events

      14 Feb 2025 2025 Jeddah E-Prix: Driven by Innovation and Technology
      14 Feb 2025 Harnessing the Power of AI at TCS Life Sciences Forum 2025 New York
      14 Feb 2025 TCS at Insurance Innovators Nordics 2025
      View all
    • Media kit
    Overview
  • Press releases
    • Overview
  • News alerts
    • Overview
  • Analyst recognition
    • Overview
  • Events
    • Overview
  • Media kit
    • Investors
    • Overview Press tab for submenu items

      TCS works hand in hand with world-leading investors.

      Tata Consultancy Services Limited
      NSE:TCS
      INR
      Discover more
    • Management Commentary
      • Latest Quarter Commentary
      • Annual Report Section
    • Financials
      • Quarterly Earnings Reports
      • Download TCS Data Sheet
      • Erstwhile CMC Financials
    • News and Events
      • Press Releases
      • Corporate Actions
      • Events
      • Calendar
    • ESG
      • Environment
      • Social
      • Governance
      • Policies and Reports
      • Stakeholder Engagement and Identification of Material Issues
    • Resources
      • Investor FAQs
      • eTDS Portal
      • Stock Information
      • Analyst Coverage
      • Subsidiaries
      • Subscribe to Investor Updates
      • Unclaimed Dividend Information
    Overview
  • Management Commentary expand here
    • Latest Quarter Commentary
    • Annual Report Section
    • Overview
  • Financials expand here
    • Quarterly Earnings Reports
    • Download TCS Data Sheet
    • Erstwhile CMC Financials
    • Overview
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    Share Commercial Banking Achieving growth for the longrun
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    Commercial Banking-Achieving Growth for the Long Run

     

    The Banker

     In this article which appeared in ‘The Banker’, Krishnan Ramanujam, chief operating officer at TCS Financial Solutions, a strategic business unit of TCS, delves into the fundamental market drivers in core banking and payments citing examples of two financial institutions who have reaped the benefits of higher efficiency with lower risk using TCS BaNCS.

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