Re-Imagining Payments

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Re-Imagining Payments Volume 2 Issue 4 Re-Imagining Payments TCS BaNCS Research Journal_Vol 2 Issue 4.indd 1 12-06-2014 AM 11:25:43 Neophyte’s serendipity (Beginner’s luck) Be it a seasoned banking whiz or a business head at any bank—large or small, the pressure to get to grips with the changing times is growing at an ever-increasing pace. To begin with, the challenges posed by multiple delivery channels, disintermediation, dynamic business models, compliance with global and local regulatory changes, among others, are having profound implications on banks today. At Tata Consultancy Services, we believe that the need of the hour is to ‘Uncomplicate’. To cut through these perplexing and all-encompassing demands with a time-tested, market-ready and move-as-you-grow solution, TCS BaNCS—at any time and any place. With the right mix of interactive, intuitive and instantaneous technologies that deliver exibility, agility and greater operational control, this universal nancial services platform can help your bank drive customer growth, reduce Total Cost of Ownership(TCO) and enhance new product development—all together. How can we make such a promise? Some of our success stories will tell you how. TCS BaNCS enabled a leading bank in India with a network of over 18,400 branches, 25,000 ATMs and over 261 million customer accounts with a unied technology platform to create one of the largest homogeneous banking networks in the world. On the other hand, TCS BaNCS re-engineered a Taiwanese Bank with a network of 101 branches to run 24/7 with 99.9% up-time, bringing down its TCO by a staggering 58%. TCS BaNCS has scored leadership consistently in industry analyst reports. Now, don’t you think it is time to uncomplicate? Banking | Capital Markets | Insurance To nd out how TCS BaNCS can uncomplicate your business, visit http://www.tcs.com/OFFERINGS/BANCS TCS BaNCS Research Journal_Vol 2 Issue 4.indd 2 12-06-2014 AM 11:25:47 Neophyte’s serendipity (Beginner’s luck) Be it a seasoned banking whiz or a business head at any bank—large or small, the pressure to get to grips with the changing times is growing at an ever-increasing pace. To begin with, the challenges posed by multiple delivery channels, disintermediation, dynamic business models, compliance with global and local regulatory changes, among others, are having profound implications on banks today. At Tata Consultancy Services, we believe that the need of the hour is to ‘Uncomplicate’. To cut through these perplexing and all-encompassing demands with a time-tested, market-ready and move-as-you-grow solution, TCS BaNCS—at any time and any place. With the right mix of interactive, intuitive and instantaneous technologies that deliver exibility, agility and greater operational control, this universal nancial services platform can help your bank drive customer growth, reduce Total Cost of Ownership(TCO) and enhance new product development—all together. How can we make such a promise? Some of our success stories will tell you how. TCS BaNCS enabled a leading bank in India with a network of over 18,400 branches, 25,000 ATMs and over 261 million customer accounts with a unied technology platform to create one of the largest homogeneous banking networks in the world. On the other hand, TCS BaNCS re-engineered a Taiwanese Bank with a network of 101 branches to run 24/7 with 99.9% up-time, bringing down its TCO by a staggering 58%. TCS BaNCS has scored leadership consistently in industry analyst reports. Now, don’t you think it is time to uncomplicate? Banking | Capital Markets | Insurance To nd out how TCS BaNCS can uncomplicate your business, visit http://www.tcs.com/OFFERINGS/BANCS TCS BaNCS Research Journal_Vol 2 Issue 4.indd 3 12-06-2014 AM 11:25:48 FOREWORD Omni-consumers, Omni-com- merce and Payment skeletons… The Payments domain is going transaction flows are on the Some are leveraging the cloud for through immense transformation rise and there is a definite on-demand processing capacity globally, and it is one area where need for banks to support their and to manage peaks beyond a innovation and re-imagination clients with offerings such as threshold; some are consciously is taking place. Firstly, it is also cash concentration, FX and cash creating a payments hub kind of perhaps the most noticeable area management type of offerings infrastructure to move volumes in which non-banking firms are to retain loyalty; (b) the rise away from core banking systems; positioning themselves to take a of point-of-sale/debit card and, a few others are segregating share of banks’ wallet, resulting transactions, mobile payments, high value and bulk payments. in banks becoming determined financial inclusion and government to protect their turf. Secondly, payments are placing enormous Irrespective of the above, a interest rate volatility implies challenges on the availability common thread we are seeing that banks depend increasingly of systems and infrastructure is increased “surveillance” on fee based income as opposed resilience; and, (c) regulations and and “intelligence” on payment to interest margins for growth, market initiatives are playing their transactions with the objectives leading to banks conceptualizing part in the form of SEPA, FATCA of understanding client behavior Payments as a “Product” as and AML/KYC. better and thereby creating opposed to being consumed by instantaneous and compelling clients as a granted “Service”. In this context, banks have been offers for customers. These re- Thirdly, a whole new or different at the forefront with the aim to configured infrastructures will not way of doing business is emerging, renew their technology options only help the bank understand i.e. that of ‘alternate/digital and excel in the race to offer client behavior better but also currencies’. just-in-time value. They are make the client feel understood. also reconfiguring their skeletal Unless banks do this, they are As if the above drivers are not (legacy) infrastructures to support bound to create high levels of enough, (a) global or regional availability and resilience concerns. customer dissatisfaction. Let me 4 TCS BaNCS Research Journal TCS BaNCS Research Journal_Vol 2 Issue 4.indd 4 12-06-2014 AM 11:25:48 share a real-life experience to At TCS BaNCS, payments, cash reflective of omni-changing device illustrate this very point. On one management and transaction features. of my trips abroad to an exotic (or banking have been and continue forbidden) country, I discovered to be a focus area of our product We are proud to partner with to my horror that my bank did not research and development some leading institutions in honor my card transactions there. activities. We evolved our creating world-class solutions, in I thanked the Almighty that I had payments processing capabilities the form of: carried another card with me. My from a solution that processed • a pan European Payments and efforts to reach out to my bank high value, international SWIFT Cash Management solution proved futile when I was told that I and domestic RTGS payments to for Societe Generale, which should have informed them about a standalone payments engine allows operations of 7 European my impending trip before I left the today-- one that manages a countries on a single application country. Now, well, for this, did variety of domestic and cross- and database; they point me to a web page or a border payments and integrates branch when I had used the very with commercial banking • a multi-market Single same card to process my tickets and financial institutions as a Application Payment Services and hotel accommodation before centralized payments processing Hub at American Express my trip? In fact, they should have hub at our customer organizations to enable SEPA Compliance sold their travel insurance or FX to in the advanced markets. for payables and receivable me. A lot can be gleaned by mining Needless to say, such an offering instructions (Credit Transfers payment transactions. Period. is helping banks gain a holistic and Direct Debits) well ahead view of their liquidity and that of of compliance deadlines in the So, what are we doing at TCS their customers. regulatory market place; Financial Solutions in this regard? We have also created innovative • a first-of-its-kind Enterprise We believe that the onus is on apps on the retail side, be it for Payments Hub for AXIS Bank in banks to ensure that they extract clients on the go or for small India, which enabled the bank as much value as possible from businesses such as restaurants to initiate unique offerings; the digitization and regulatory or multi-brand boutiques using • an end-to-end Money compliance related technology Surface and Touch technologies. Movement platform at Morgan investments they make and to Such solutions seamlessly Stanley Smith Barney in USA for look at the instant benefits of help integrate the ecosystem seamless money transfer among enhancing customer relationships. and its stakeholders and help accounts within the firm and Partnering with alternative deliver deliver ultimate client with other banks over NACHA; payments solutions providers is convenience. We have adopted and, definitely an attractive option cutting-edge tools and hybrid and for banks and is a much debated development infrastructure in our • a partnership with Mozido in topic today. pursuit to remain current and be the mobile payments space. TCS BaNCS Research Journal 5 TCS BaNCS Research Journal_Vol 2 Issue 4.indd 5 12-06-2014 AM 11:25:48 No doubt, we live in exciting interactive and integrated solutions times relative to payments. TCS to collaborate with our partners Financial Solutions is closely and customers in generating true watching market developments, value in the payments space.
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