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TCS Bancs System:
Core Banking Solution (CBS)
Modularity
Integration
SBI's Managerial Information Needs:
Category
Transaction Volume
Customer Data
Financial Performance
Regulatory Compliance
Operational Efficiency
Feature
Real-time Data Access
Customer Relationship
Management (CRM)
Operational Efficiency
Regulatory Compliance
Category
Digital Literacy
Cybersecurity Regulations
Incentivize research and development in
Support Innovation & Research banking technology and MIS systems.
An Elaborative Study on TCS MIS system BANCS
TCS Bancs is a comprehensive CBS provided by Tata Consultancy Services (TCS), tailored for b
TCS Bancs offers modular solutions covering various banking functions such as retail banking
It integrates seamlessly with existing banking systems, enabling SBI to streamline its operatio
Description
Total number of transactions processed
by SBI
Information about SBI's customers like
demographics, account details,
transaction history, etc.
Key financial metrics like revenue, profit,
assets, liabilities, etc.
Adherence to banking regulations and
reporting standards.
Efficiency of operational processes like
turnaround time, resource utilization, etc.
Description
Distributed data architecture, optimized
queries, caching mechanisms.
Integrated CRM modules with analytics.
Workflow automation and BPM systems.
Compliance modules, rule-based
engines, reporting systems.
Recommendation
Promote digital literacy programs.
Enact and enforce robust cybersecurity
regulations.
Collaboration for Financial Collaborate to expand access to banking
Inclusion services in underserved areas.
Establish regulations for ethical and
Regulate Ethical Data Usage responsible data usage.
 An Elaborative Study on TCS MIS system BANCS

CBS provided by Tata Consultancy Services (TCS), tailored for banks to manage their operations efficiently.
utions covering various banking functions such as retail banking, corporate banking, treasury management, and more.
existing banking systems, enabling SBI to streamline its operations and enhance customer experience.

SBI's Requirements TCS BaNCS System Features

High: As India's largest bank, SBI likely
handles a massive volume of daily
transactions across various channels Scalability: The system should be able to handle SBI's large transaction volume and
(branches, ATMs, online).
Extensive: SBI needs to manage vast
amounts of customer data across its Centralized Data Repository: A system that allows for efficient storage, organization
diverse customer base.

Detailed and Accurate: As a publicly Reporting and Analytics: Tools that provide comprehensive financial reports, dashb
traded company, SBI must track and
report financial performance transparently.

Strict: SBI needs to comply with various Compliance Monitoring: Features that automate regulatory reporting and flag poten
banking regulations, including those set by
the Reserve Bank of India (RBI).

High Priority: Due to the scale of its

operations, SBI needs efficient systems for Process Automation: Features that automate routine tasks and workflows, reducing
everything from account opening to loan
processing.

Input Output

Real-time access to updated data

Transactional data

Personalized recommendations and insights

Customer data

Automated workflows, optimized resource allocation

Operational processes

Compliance reports and alerts

Regulatory rules, transaction data

Description
Empower citizens, particularly in underserved communities, to use digital banking services effectively.

Ensure data security and integrity of banking systems, maintain societal trust in digital banking.

Encourage development of innovative solutions addressing societal needs like financial inclusion and cybersecurity.
Leverage MIS systems like TCS Bancs to develop tailored solutions for different demographics, promote financial inclusion.

Protect consumer rights and privacy, ensure responsible data collection, storage, and utilization.
s large transaction volume and peak usage periods without bottlenecks or performance issues.

efficient storage, organization, and retrieval of customer data, supporting various banking functions.

ensive financial reports, dashboards, and the ability to perform in-depth analysis to track performance.

atory reporting and flag potential compliance issues.

tasks and workflows, reducing manual intervention and the potential for errors.

and cybersecurity.
promote financial inclusion.