Financial institutions are increasingly becoming a utility player for the lack of differentiation they can bring to their consumers. Innovative ideas addressing specific problems from FinTechs combined with a shift in consumer behaviour in embracing personalized services, is putting pressure on Financial Institutions to come up with solutions that can help sustain their growth, and provide superior customer experiences.
The years ahead depend largely on the ability of the FinTech firms to evolve their products, business models, workplaces and engagement infrastructure, in line with the threats and challenges. Retail financial services business models are threatened by disrupting use of new technologies, Wholesale banking firms are besieged by increasing operating / capital costs further impacting market liquidity, Market infrastructure firms are experimenting with industry reconfiguration, Retail banks are exploring ecosystem partnerships & leverage and Capital market firms are struggling with disconnected critical functions (like risk management, compliance, finance) and lack of industrialization.
We at TCS, are offering an opportunity for you talented youngsters, to help our Banking , Financial and Insurance customers (& prospects alike) become more innovative, stable and ready for future. Customers are looking forward to hear and implement creative ideas from their consumers that can address the current challenges for them. Considering their future consumer base includes all of you, IdeaBank is an effort to crowd source all of your futuristic ideas.
The contest is a two member team event. The contest allows each team to submit their Ideas on any one of the contest themes in a PDF/PPT/Word format.
Details of the themes have been provided in the contest round section
TCS Campus Commune is a place where students get to interact with peers and TCSers. It helps the students stay informed about the company and also gives them a means to hold thoughtful discussions on a variety of topics.
Interactions on the platform happen through Channels — interest based spaces to discuss topics ranging from technology to interview-related help. The platform also hosts exciting contests related to various engineering, tech, and business domains.
Your privacy is important to us. We believe it is important for you to know how we treat the information we receive from you, on the Internet. This privacy statement explains what personal data we, Tata Consultancy Services Limited (“Tata Consultancy Services”, “TCS” or “we”), collect from you, through our interactions with you on this website, and how we use that data.
This Privacy Terms apply to the main website www. tcs.com as well as to the others in the www.tcs.com domain (sometimes called “microsites”) and to other websites owned controlled by TCS in absence of other specific Terms. Please note that these websites may include links to websites of third parties whose privacy practices differ from those of Tata Consultancy Services. If you provide personal data to any of those websites your data is governed by their privacy statements.
Scope and Usage of Data
Personal information you give to us
Tata Consultancy Services collects data to operate this website. You provide some of this data directly, such as when you register for an event, subscribe to a newsletter or submit a request for further information, or contact us for support. Typically, the contact information we collect is used by us to respond to your enquiry, or allow you to access specific account information. We may execute other activities such as marketing campaign, promotional communications etc. for which consent is taken appropriately or another appropriate lawful basis for the processing is identified.
In general, you can visit TCS on the World Wide Web without telling us who you are. Our web servers or Affiliates who provide Analytics and performance enhancement services collect IP address, operating system details, browsing details, device details and language settings. This information is aggregated to measure the number of visits, average time spent on the site, pages viewed and similar information. TCS uses this information to measure the site usage, improve content and to ensure safety and security as well enhance performance of the website.
If you register with one of TCS’ business units online, they may use this information to provide you with custom information about TCS’ offering in support of your business needs. At times we conduct online surveys to better understand the needs and profiles of our visitors.
Personal information we get from third parties
We also obtain data from third parties. We protect data obtained from third parties according to the practices described in this statement, plus any additional restrictions imposed by the source of the data. These third-party sources may vary but typically can include:
You can make choices about our collection and use of your data. For example, you may want to access, edit or remove the personal information in your Tata Consultancy Services website or microsite account, change your password, or close your account. When you are asked to provide personal data, you may decline. The data we collect depends on the context of your interactions with Tata Consultancy Services, and the choices you make, including your privacy settings. The data we collect can include the following:
Purpose of Data Uses
TCS uses the data we collect for 2 main purposes, described in more detail below: to operate our business and this website; and to send communications, including promotional communications.
Sharing of data
Occasionally, we may make the e-mail addresses, of those who provide information, available to other reputable organizations whose products or services we think you may find interesting. In these cases, you will be offered an opportunity to limit the access of your information to such third parties.
We share personal data among Tata Consultancy Services-controlled affiliates and subsidiaries. We also share personal data with vendors or agents working on our behalf for the purposes described in this statement. For example, companies we have hired to provide customer service support or assist in protecting and securing our systems and services may need access to personal data to provide those functions.
We usually do not share other personal data collected from the websites with other third parties. However, this may happen if:
1. You request or authorize us to do so;
2. We need to comply with applicable law or respond to valid legal process
3. We need to operate and also maintain the security of this website, including to prevent or stop an attack on our computer systems or networks;
Some of the cookies we commonly use are listed below. This list is not exhaustive, but it is intended to illustrate the main reasons we typically set cookies. If you visit one of our websites, the site may set some or all of the following cookies: Google Analytics - _ga, _gali, _gat_UA-1036645-1, _gid
How to Control CookiesMost web browsers automatically accept cookies but provide controls that allow you to block or delete them. For example, certain browser allow to block or delete cookies by clicking Settings > Privacy > Cookies. To find information about specific browsers, please visit the browser developer’s website.
Our Use of Web Beacons and Analytics ServicesTata Consultancy Services web pages may contain electronic images known as web beacons (also called singlepixel gifs) that we use to help deliver cookies on our websites, count users who have visited those websites and deliver co-branded products. We also may include web beacons in our email messages or newsletters to determine whether you open and act on them.
Your Communications PreferencesYou can choose whether you wish to receive promotional communications from Tata Consultancy Services by email, SMS, postal mail and telephone or other communication channels. If you receive promotional email or SMS messages from us and would like to opt out, you can do so by following the directions in those messages. You can also opt out of email subscriptions and choose whether to share your contact information with Tata Consultancy Services partners.
How to Contact UsIf you have a privacy concern, complaint or a question regarding this privacy statement, please direct it to the Chief Privacy Officer of Tata Consultancy Services at email@example.com or contact us through this webform: https://www.tcs.com/contact-us
European Data Protection Rights - GDPR
When we process personal data about you, we do so with your consent and/or as necessary to provide the website you use, operate our business, meet our contractual and legal obligations, protect the security of our systems and our customers, or fulfill other legitimate interests of Tata Consultancy Services as described in this privacy statement.
Below, you will find additional privacy information that you may find important. Tata Consultancy Services adheres to applicable data protection laws in the European Economic Area, which if applicable includes the following rights:
Security of Personal Data
Tata Consultancy Services is committed to protecting the security of your personal data. We use a variety of security technologies and procedures to help protect your personal data from unauthorized access, use or disclosure.
Where We Store and Process Personal Data
Personal data collected by Tata Consultancy Services may be stored and processed in your region, in India, and in any other country where Tata Consultancy Services or its affiliates, subsidiaries or service providers operate facilities. The storage location(s) are chosen in order to operate efficiently, to improve performance and to create redundancies in order to protect the data in the event of an outage or other problem. We take steps to ensure that the data we collect under this privacy statement is processed according to the provisions of this statement and the requirements of applicable law wherever the data is located.
We transfer personal data from the European Economic Area and Switzerland to other countries, some of which have not been determined by the European Commission to have an adequate level of data protection. When we do, we use a variety of legal mechanisms, including contracts, to help ensure your rights and protections travel with your data.
Our Retention of Personal Data
Tata Consultancy Services retains personal data for as long as necessary to provide the access to and use of the website, or for other essential purposes such as complying with our legal obligations, resolving disputes and enforcing our agreements. Because these needs can vary for different data types and purposes, actual retention periods can vary significantly.
Changes to This Privacy Statement
We may update this privacy statement from time to time. We encourage you to periodically review this privacy statement to learn how Tata Consultancy Services is protecting your information.
Data Protection Officer
TCS has appointed internal Data Protection Officers who can be contacted for any questions or concerns about TCS’ privacy policies or practices. Depending on your location, you can refer to:
Data Protection Officer for UK and Ireland : DPO.firstname.lastname@example.org
Data Protection Officer for Continental Europe : DPO.Europe@tcs.com
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES HEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF. BY CLICKING ON THE “I AGREE” TAB IT IMPLIES THAT YOU HAVE READ, UNDERSTOOD AND ACCEPTED ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT AND YOU ARE BOUND BY ALL OF ITS PROVISIONS.
1) Campus Commune - Purpose
Campus Commune is envisioned as a social and collaborative platform from TCSL. It is a professional portal through which all its users have an opportunity to connect, post views, share information and have issues/concerns addressed.
2) Governing Laws
Use of this site shall be governed by laws of India and the Courts of Mumbai, India shall have exclusive jurisdiction on any disputes arising out of use of or related to this Web Site. If any provision is held by a Court to be illegal, invalid or unenforceable, the remaining provisions shall remain in full force and effect.
All your activities on Campus Commune will be governed by the policies, rules, regulations, practices, procedures of TCSL as applicable to you and the changes therein from time to time.
3) Postings on Campus Commune
TCSL does not own any responsibility or obligation with regard to the comments or materials posted on Campus Commune, as it is a highly interactive site and will have lot of materials and perspectives being posted on it from various sources and users.
All comments/materials/views expressed by the User are solely the opinion of the User and not necessarily of TCSL and TCSL is not liable for any consequences in this regard. To prevent Campus Commune from being mis-used, TCSL takes reasonable steps through its Administrator by screening the User’s contribution/content on the portal (except during live web talks where it is not possible).
By submitting/posting any information or material on Campus Commune, the user assures TCSL that he/she has not violated any Intellectual Property Right of any person or party in partial or full. Also by submitting/posting any material on Campus Commune, the user also gives TCSL an unlimited and irrevocable license to use, execute, show, modify and transmit any such information, material or comments, including any underlying idea, concept or know-how contributed by the user. The Company reserves the right to use such information in any way it chooses.
4) Account Management
You are responsible for anything that happens on Campus Commune through your account and you are liable for the same.
You will maintain a professional conduct. By posting articles on Campus Commune, you also undertake not to do the following on the Campus Commune Portal
6) Export Information from Campus Commune Portal
The Content on Campus Commune portal (except those that are owned by third parties) hereof is owned by TCSL. The intellectual Property rights including but not limited to rights to the design, layout and style of presentation vests with TCSL.
You may not store, modify, publish, transmit, transfer, sell, reproduce, create derivative work from Campus Commune; distribute, repost, perform, display, archive in any manner or in any way exploit any of the Contents, design, layout or style of presentation owned by TCSL, except with prior written consent of TCSL.
7) Harm the Integrity of Campus Commune Portal/Denial of Service
You will not make any attempts to reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code of any component(s) used in the construction of Campus Commune.
You will not upload content that contains viruses, worms, or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment of Campus Commune or any user of Campus Commune.
You fully indemnify and hold us (Tata Consultancy Services Limited) harmless for all damages, losses, and costs that you might face caused by
9) No Warranty
The information and content contained in Campus Commune, including text graphics, links or other items are provided “as is”, “as available”. TCSL does not warrant the quality, accuracy, adequacy, timeliness or completeness of this information and content and expressly disclaims liability for errors or omissions in this information and content.
As such, the information available on Campus Commune is not intended to be comprehensive, and many details which may be relevant to specific circumstance may have been omitted. The fact that the information contained in this portal been placed on the public record should not be taken to indicate that TCSL has verified or validated it.
Accordingly Campus Commune portal should not be regarded as being a complete source of data/information available with TCSL and the reader/user should not rely on the information provided herein and should always seek the advice of competent counsel / consultant before acting on anything contained herein. TCSL cannot take any responsibility for the consequences of errors or omissions.
No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus or anything else, which has contaminating or destructive properties, is given in conjunction with the information and content.
10) Access to the Campus Commune Portal
TCSL reserves the right to grant, modify, restrict and terminate access to the Campus Commune Portal without providing users of the portal any prior notice or communication in any form. Any claims or requests with regards to access to the portal will not be entertained under any circumstances. Campus Commune is intended for a specific user group as governed by the registration process. You shall not falsify information to gain access to campus commune if you do not belong to the intended user group.
11) Compliance to All Terms
You should abide with all the terms and conditions listed; failure to comply or fulfill the outlined terms and conditions would attract disciplinary action such as censure, suspension including termination of access to Campus Commune, a formal report of incident being sent to your placement officer/HoD/Principal where relevant and disqualification from taking part in the TCSL campus recruitment process apart from recourse to the applicable Laws of India including prosecution where relevant and necessary.