Banking in the backwaters ; TCS finds a viable route to the unbanked Indian in the country's villages with the help of cloud computing.

For Tata Research Development and Design Centre, also known asTata Innovation Labs, a subsidiary of Tata Consultancy Services(TCS), innovation entails meeting a critical need. It sometimes alsomeans adapting a project for a totally different market than it wasoriginally blueprinted for. For instance, how to adapt TCS' corebanking solution and banking software, branded BaNCS, with customersacross 80 countries, and take this solution directly to millions ofunbanked Indians upcountry.

To take on the particularly hairy problem of rural banking, TCSused its robust innovation infrastructure- a combination of internalresources and strategic partners including Tata Group companies …