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A comprehensive digital banking solution that offers omnichannel banking experiences, customer journey orchestration, analytics-driven insights, and open banking capabilities. Supports retail, corporate, and wealth management segments.
More about TCS Financial Solutions
Online and mobile banking applications that allow customers to access their accounts, make transactions, and manage their finances remotely.
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Mobile App Availability Whether the platform offers a dedicated mobile application for iOS and Android devices |
TCS BaNCS Digital supports retail and corporate banking via mobile applications on both iOS and Android as per product documentation and customer presentations. | |
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Responsive Web Design Whether the web platform automatically adjusts to different screen sizes and devices |
Official TCS BaNCS site and brochures mention responsive UX across devices, including desktops, tablets, and mobiles. | |
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Biometric Authentication Support for fingerprint, facial recognition, or other biometric login methods |
The solution includes biometric authentication like fingerprint and Face ID as mentioned in industry comparisons and security features overview. | |
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UI Customization Ability for users to personalize their dashboard, widgets, and interface elements |
The product supports dashboard customization and widgets as listed on the official website. | |
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Accessibility Compliance Adherence to WCAG or similar accessibility standards for users with disabilities |
Several public TCS BaNCS resources state compliance with global accessibility standards, e.g., WCAG for digital experiences. | |
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Dark Mode Support Option for users to switch to a dark color scheme to reduce eye strain |
No information available | |
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Multi-language Support Number of languages available for users to interact with the platform |
No information available | |
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Page Load Speed Average time it takes for pages to load fully on the platform |
No information available | |
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Single Sign-On (SSO) Ability to use one set of login credentials across multiple services or platforms |
Single sign-on support is part of enterprise customer onboarding flows as described in TCS BaNCS architecture guides. | |
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Push Notifications Support for sending real-time alerts to users' devices |
Push notifications are supported for mobile banking apps, referenced in public case studies and API lists. | |
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In-app Chat Support Live chat functionality for customer service directly within the platform |
TCS BaNCS offers in-app/live chat support functionality according to product datasheets and integration partners. | |
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Voice Banking Integration Integration with voice assistants like Alexa, Google Assistant, or Siri |
Integration with Alexa and voice interfaces mentioned in digital banking presentations as available or configurable. | |
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User Satisfaction Score Average rating from user feedback on experience and usability |
No information available |
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Real-time Balance Updates Whether account balances are updated in real-time as transactions occur |
Real-time account updates and balances are part of the TCS BaNCS real-time core capabilities per documentation. | |
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Transaction History Depth How far back users can view their transaction history |
No information available | |
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Transaction Search Ability to search through past transactions using various filters |
Advanced transaction search confirmed in user screenshots and official features list. | |
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Transaction Categorization Automatic categorization of transactions (e.g., groceries, utilities) |
Transaction categorization is part of personal finance management modules. | |
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Multi-account Dashboard Consolidated view of all accounts (checking, savings, loans, etc.) in one interface |
Multi-account dashboard and unified views are provided for retail/corporate/wealth per official overview. | |
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Account Nickname Customization Ability for users to rename accounts with personalized labels |
Account nickname/personalization available as a UX option on account summary screens. | |
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Statement Generation Ability to generate and download account statements for specific periods |
Statement generation and downloads as PDF/Excel cited in product documentation. | |
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Tax Document Access Availability of tax-related documents (e.g., 1099-INT) within the platform |
Tax documents for regulatory compliance (e.g., India 26AS, US 1099) and downloads are referenced in customer stories. | |
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Account Closure Self-service functionality to close accounts without visiting a branch |
Digital self-service for account closure available for select geographies as per product datasheets. | |
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Account Alerts Customizable notifications for account activities (e.g., low balance) |
Customizable account alerts and notifications available (e.g., balance, debits) based on user preference. | |
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External Account Linking Ability to connect and view accounts from other financial institutions |
System supports linking of external accounts through open banking APIs and aggregators, highlighted in open banking use-cases. | |
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Account Opening Ability to open new accounts entirely through the digital platform |
End-to-end digital account opening is a flagship capability. |
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Internal Transfer Speed How quickly transfers between accounts at the same bank are processed |
No information available | |
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External Transfer Options Number of methods available for transferring to external accounts (ACH, wire, etc.) |
No information available | |
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Bill Pay Service Functionality to schedule and manage payments to service providers and billers |
Online bill pay services are included as a core module. | |
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P2P Payment Integration Integration with peer-to-peer payment services (Zelle, Venmo, etc.) |
Peer-2-peer integrations (such as UPI in India, Zelle in US) mentioned in solution integrations. | |
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Recurring Transfers Ability to set up automatic, repeating transfers between accounts |
Support for setting up recurring transfers and standing instructions is standard. | |
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Transfer Limits Maximum amount that can be transferred in a single transaction |
No information available | |
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International Wire Support Ability to initiate and track international wire transfers |
International wire transfer and cross-border payments are key features per product details. | |
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Real-time Payments Support for instant payment networks like RTP or FedNow |
TCS BaNCS supports RTP networks in selected geographies as shown in documentation; FedNow is roadmap/integration, RTP generally available. | |
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QR Code Payments Support for generating or scanning QR codes to initiate payments |
QR code payment support mentioned for retail/merchant payments, especially in APAC and India context. | |
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Mobile Check Deposit Functionality to deposit checks by taking photos with a mobile device |
Mobile check deposit (remote deposit capture) included for US/European banks per technical literature. | |
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Bill Payment Reminders Proactive notifications about upcoming bill payments |
Bill payment reminders and alerting functionality are common user engagement features. | |
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Transfer Templates Ability to save transfer details for frequent transactions |
Transfer templates (payee management) are part of the payment UI features. | |
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Payment Status Tracking Ability to track the status of payments and transfers in real-time |
Real-time status tracking for payments provided via dashboard and transaction details screens. |
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Multi-factor Authentication Requiring multiple forms of verification before granting account access |
Multi-factor authentication support is a mandatory compliance feature for all TCS BaNCS banks. | |
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Encryption Level Strength of encryption used to protect data (e.g., 128-bit, 256-bit) |
No information available | |
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Automatic Session Timeout Whether the system automatically logs users out after a period of inactivity |
Automatic session timeout enforced, typically customizable by institution. | |
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Device Recognition System can identify and flag logins from new or unrecognized devices |
Solution supports device recognition policies for login as part of its security toolkit. | |
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Fraud Monitoring Active monitoring systems that detect and flag suspicious activities |
Fraud monitoring and anti-fraud analytics solution modules are offered as part of the product. | |
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Transaction Verification Secondary verification required for high-risk or unusual transactions |
Transaction verification (e.g., OTP, step-up authentication) implemented for high-risk transactions. | |
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Card Controls Ability to freeze/unfreeze cards, set usage limits, or restrict geographical usage |
Card controls such as freeze, unfreeze, limit settings provided via mobile interface. | |
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Security Alerts Notifications for security-related events (password changes, logins, etc.) |
Security event alerts configurable for various activities (e.g., password change, new login). | |
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Vulnerability Testing Frequency How often the platform undergoes security testing and assessments |
No information available | |
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Fraud Guarantee Financial protection offered to customers in case of fraudulent transactions |
Many TCS BaNCS implementations include fraud guarantee for customers; highly dependent on the bank or FI's policies. | |
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Privacy Controls User options to control data sharing and privacy preferences |
Privacy controls/detailed consent management is available as part of open banking and GDPR modules. | |
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IP Blocking Ability to block access from suspicious IP addresses or regions |
Backend security and cloud environment allow for IP blocking and restrictions; customer controls depend on institution. | |
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Compliance Certifications Number of security and compliance certifications held (PCI DSS, ISO 27001, etc.) |
No information available |
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Spending Analysis Tools that analyze and visualize spending patterns across categories |
Personal finance management includes spending analysis and insights. | |
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Budgeting Tools Features that help users create and monitor budgets |
Budgeting tools are standard in the PFM module. | |
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Financial Goal Setting Ability to set and track progress toward financial goals |
Users can set up and monitor progress toward financial goals. | |
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Net Worth Tracking Calculation and visualization of overall financial position |
Net worth tracking is offered as part of the PFM solution. | |
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Cash Flow Forecasting Prediction of future account balances based on recurring transactions |
Cash flow forecasting (future balance prediction) mentioned in analytics-driven insights. | |
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Automated Savings Tools that automatically move money to savings based on rules or AI |
Automated savings rules, round-up, and sweep functions are part of PFM. | |
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Investment Tracking Ability to monitor investment performance within the platform |
Investment tracking and portfolio overviews available for wealth management clients. | |
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Financial Health Score Personalized scoring system to assess overall financial wellbeing |
Financial health scoring/insights featured in media and demos. | |
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Debt Payoff Planning Tools to create and optimize strategies for debt reduction |
Debt payoff planning tools included as part of PFM suite. | |
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Bill Negotiation Services Features that help users identify and reduce recurring expenses |
No information available | |
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Tax Optimization Suggestions Recommendations for minimizing tax liability based on spending and income |
No information available | |
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Financial Education Content Availability of educational resources about financial topics |
Financial education content is embedded and offered as part of digital customer engagement. | |
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Subscription Tracking Identification and management of recurring subscription payments |
Recurring payment monitoring and subscription tracking is included in PFM. | |
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Historical Data Range How far back the PFM tools analyze financial history |
No information available |
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Credit Score Access Free access to credit score information within the platform |
Banking platforms provide optional free access to credit scores via integrations. | |
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Credit Score Simulator Tools that show how different actions might affect credit scores |
Credit score simulator functionality available in some PFM suites; configurable. | |
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Loan Application Process Ability to apply for loans entirely through the digital platform |
Loan application workflow is fully digital end-to-end for retail and SME loans. | |
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Loan Application Speed Average time from application submission to decision |
No information available | |
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Pre-qualification Tools Features that assess eligibility for products without affecting credit score |
Pre-qualification and eligibility checkers available for loan/credit products. | |
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Loan Management Tools to view, manage, and make extra payments on existing loans |
Loan management UI allows repayment, extra payments, and overview. | |
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Credit Card Management Specialized tools for managing credit card accounts and rewards |
Credit card management features noted in banking and wealth modules. | |
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Interest Rate Comparison Features that compare available interest rates across products |
No information available | |
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Debt Consolidation Tools Resources to help combine multiple debts into a single loan |
Product documentation references debt consolidation features in retail banking. | |
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Automatic Payment Options Setup for automatic loan or credit card payments |
Automatic payment setup for loan/credit cards supported via digital self-service. | |
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Credit Limit Increase Requests Self-service tools to request higher limits on credit products |
Support for requesting credit limit increases is mentioned in digital journeys. | |
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Personalized Loan Offers Customized lending offers based on the customer's financial profile |
Personalized loan offers generated based on user financial profile and analytics. | |
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BNPL Integration Integration with Buy Now, Pay Later services for purchases |
BNPL integrations are achievable via open banking APIs and marketplace. |
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In-app Chat Support Live chat functionality directly within the platform |
In-app chat/live support is standard, cited in customer experience references. | |
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AI Chatbot Assistance Automated conversational interface for answering questions and solving issues |
AI-powered chatbot/virtual assistant support, including FAQ and customer workflows. | |
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Video Banking Ability to video conference with bank representatives |
No information available | |
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Co-browsing Support Feature allowing support staff to see and navigate the customer's screen |
No information available | |
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Support Hours Number of hours per day that live support is available |
No information available | |
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Self-service Knowledge Base Searchable repository of help articles and guides |
Knowledge base and self-service FAQ are bundled into digital channels. | |
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Branch/ATM Locator Tools to find nearby physical banking locations |
Branch/ATM locator tool is described in the mobile banking toolkit. | |
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Appointment Scheduling Ability to schedule in-person or virtual meetings with bank staff |
Appointment booking for virtual or branch meetings is available as a self-service. | |
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Feedback Mechanisms Tools for customers to provide input on the banking experience |
Feedback/voice of customer tools are provided for banks to solicit input. | |
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Support Request Tracking System for monitoring the status of customer service inquiries |
No information available | |
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Average Response Time Typical time to receive a response to support inquiries |
No information available | |
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Call-back Options Feature allowing customers to request a call rather than waiting on hold |
No information available | |
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Social Media Support Customer service available through social media channels |
No information available |
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Open Banking API Availability of APIs that allow third-party developers to build on the platform |
BaNCS advertises open APIs for banking-as-a-service and open banking. | |
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External Account Aggregation Ability to pull in data from accounts at other financial institutions |
External account aggregation enabled via open banking integrations (e.g., account aggregation). | |
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Number of API Endpoints Quantity of different API services available for integration |
No information available | |
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Digital Wallet Integration Support for Apple Pay, Google Pay, Samsung Pay, etc. |
Digital wallet support mentioned, including Apple Pay, Google Pay, Samsung Pay for partner banks. | |
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Personal Finance App Connectivity Direct integration with budgeting and financial planning apps |
Personal finance tools and integration APIs provided for third-party app connectivity. | |
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Accounting Software Integration Ability to connect with QuickBooks, Xero, or other accounting systems |
Support for integration with mainstream accounting software exists for SME/business banking. | |
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eCommerce Platform Integration Built-in connections to online shopping and payment platforms |
eCommerce and payment platform integrations referenced in omni-commerce modules. | |
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Wearable Device Support Banking functionality on smartwatches or other wearable technology |
Wearable banking (e.g., balance, notifications) available as an offering for banks. | |
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IoT Device Integration Connectivity with Internet of Things devices for financial functions |
IoT integrations and future-readiness cited in TCS analyst reports. | |
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Data Export Options Number of formats available for exporting financial data (CSV, PDF, etc.) |
No information available | |
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Tax Software Integration Direct connection to tax preparation software |
Integration with tax software (like Intuit, Tally, etc.) is available for regional compliance. | |
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Developer Sandbox Testing environment for developers building on the platform |
Developer sandbox access for APIs/testing published for banking partners. | |
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Webhook Support Ability to trigger automated actions in other systems based on banking events |
Webhook/event notification support is available for integration partners. |
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Personalized Insights AI-generated observations about spending patterns and financial behavior |
Personalized spending insights and financial behavior analytics offered. | |
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Product Recommendations Personalized suggestions for financial products based on user profile |
Product suggestion engine describes personalized product recommendations using user data. | |
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Predictive Cash Flow AI forecasting of future account balances based on historical patterns |
Predictive cash flow AI available in the analytics suite. | |
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Smart Savings Features AI-driven tools that automatically optimize savings based on spending patterns |
Smart/AI-driven saving features referenced in solution demos. | |
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Voice Banking Assistant Natural language processing capabilities for voice-based banking |
Voice banking including voice assistant integration for banking tasks. | |
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Personalized Interface Dynamic UI that adapts based on user behavior and preferences |
Personalized UI options and widgets adjust to user preferences. | |
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Financial Habit Recognition AI identification of patterns in financial behavior |
AI identifies patterns and habits in user spending/saving. | |
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Anomaly Detection AI systems that identify unusual transactions or patterns |
AI-powered anomaly detection for fraudulent/outrageous spend is part of risk analytics. | |
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Smart Notification System Contextual alerts based on user behavior and preferences |
Notification system adapts alerts based on contextual user data. | |
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Behavioral Analytics Capabilities Advanced analysis of user interactions to improve experience |
User behavioral analytics for improving and personalizing engagement are promoted as part of platform's AI capabilities. | |
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Custom Financial Advice Personalized financial guidance based on individual circumstances |
Custom financial advice modules highlighted for retail and wealth segments through analytics insights. | |
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Life Event Detection AI recognition of major life changes from transaction patterns |
Life event detection (e.g., new salary, marriage, baby) using transaction AI—demonstrated in platform presentations. | |
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Customer Segmentation Granularity Number of distinct customer segments the AI can identify for personalization |
No information available |
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System Uptime Percentage of time the platform is operational and available |
No information available | |
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System Response Time Average time for the system to respond to user requests |
No information available | |
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Concurrent User Capacity Maximum number of simultaneous users the system can support |
No information available | |
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Disaster Recovery Time Time required to restore service after a major outage |
No information available | |
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Update Frequency How often the platform receives feature updates and improvements |
No information available | |
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Backward Compatibility Whether updates maintain compatibility with older devices and OS versions |
Platform design is backward compatible. TCS BaNCS supports a range of devices and OS versions as noted in customer experience references. | |
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Cloud-based Architecture Whether the platform uses cloud infrastructure versus on-premises |
Solution is deployed and delivered primarily on cloud-based architecture—AWS, Azure, TCS Cloud. | |
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Multi-region Deployment Platform operation across multiple geographic regions for redundancy |
Supports multi-region deployment for regulatory redundancy and disaster recovery. | |
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Microservices Architecture Use of modular, independently deployable services |
Solution architecture uses microservices extensively, enabling modular upgrades. | |
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Database Performance Speed of database queries and transactions |
No information available | |
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API Rate Limits Maximum number of API calls allowed per minute |
No information available | |
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Monitoring Coverage Percentage of system components under active monitoring |
No information available | |
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Data Backup Frequency How often system data is backed up |
No information available | |
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Automated Testing Coverage Percentage of codebase covered by automated tests |
No information available |
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