Temenos - Complete Company Profile

Temenos is a Finance company. Temenos is a global leader in banking software, providing best-in-class core banking solutions that empower financial institutions to innovate, scale, and exceed customer expectations. With a rich set of end-to-end banking capabilities, Temenos serves over 950 core banking and 600 digital banking clients across 150 countries. Temenos offers 11 products: Temenos Cloud, Temenos Platform, Money Movement & Management, Islamic Banking, Temenos SaaS, Temenos AI, Core Banking, Wealth Management, Financial Crime Mitigation, Digital Banking, Payments.

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Temenos is a global leader in banking technology, providing comprehensive banking solutions that help financial institutions modernize their operations and enhance customer experiences.

Temenos is a global leader in banking software, providing best-in-class core banking solutions that empower financial institutions to innovate, scale, and exceed customer expectations. With a rich set of end-to-end banking capabilities, Temenos serves over 950 core banking and 600 digital banking clients across 150 countries.

"Breaking the Cloud Barrier to Core Banking"

About Temenos

Temenos is a Finance company serving global markets. Temenos is a global leader in banking software, providing best-in-class core banking solutions that empower financial institutions to innovate, scale, and exceed customer expectations. With a rich set of end-to-end banking capabilities, Temenos serves over 950 core banking and 600 digital banking clients across 150 countries.

Company Details

Niche

Finance

What Temenos Offers

11 products and services

Temenos Cloud

Temenos Cloud enables banks to leverage cloud-native and cloud-agnostic banking solutions, supporting modern, secure, and scalable financial services. It allows...

Cloud-native architecture
Cloud-agnostic deployment (public, private, on-premise, SaaS)

Temenos Platform

The Temenos Banking Platform is a modular, cloud-native, and cloud-agnostic platform designed for banks seeking to lead in a rapidly...

Modular solutions for progressive modernization
Extensibility Framework for easy, secure customizations (APIs, data models, events, business processes)

Money Movement & Management

Temenos Money Movement and Management delivers an advanced payments and accounts processing ecosystem, enabling financial institutions to optimize their money...

End-to-end account management for all account types (customer and internal)
Real-time balances, posting restrictions, flexible statements

Islamic Banking

Temenos for Islamic Banking is a flexible, efficient, and award-winning solution delivering Shari’ah-compliant banking experiences through a combination of digital...

Parameter-driven Shari’ah compliance for processes and accounting entries
Advanced graphical product builder for quick creation of compliant products

Temenos SaaS

Temenos SaaS is a cloud-based, as-a-service banking platform that delivers core, digital, and AI banking capabilities. It enables banks to...

Core banking, digital channels, payments, and auxiliary capabilities
Pre-packaged, pre-configured solutions for retail, business, and payments

Temenos AI

Temenos AI empowers banks with AI-driven solutions to enhance customer engagement, boost operational efficiency, and accelerate innovation and growth. The...

AI-driven automation of banking processes
Real-time compliance screening against global and domestic watchlists

Core Banking

Temenos Core Banking is a modular, comprehensive, and innovative core banking platform designed to serve all customer segments. It enables...

Modular core banking architecture
Market-leading banking functionality

Wealth Management

Temenos Wealth Management is a unified platform of independent capabilities that brings together digital, portfolio management, data, and core banking...

Digital Wealth: Client engagement, operational efficiency, digital experiences for all segments
Wealth Front Office: Profiling, modeling, risk, compliance, performance tools, customizable workflows

Financial Crime Mitigation

Temenos’ Financial Crime Mitigation (FCM) is an award-winning product family that enables banks and financial institutions to avoid regulatory fines,...

Industry-leading detection accuracy and low false positives via advanced algorithms, contextual whitelists, and robotic process automation
Outstanding performance and resilience with vertical/horizontal scalability and SaaS-based scaling

Digital Banking

Temenos Digital Banking is a cloud-native, flexible platform that enables financial institutions to quickly deliver innovative, AI-powered financial services. It...

Cloud-native, flexible platform
AI-driven personalization and recommendations

Payments

Temenos Payments provides real-time, secure, and scalable payments processing solutions for financial institutions. The offering enables innovation and compliance at...

Real-time, secure, and scalable payments processing
Enterprise Payments Processing for faster, smarter customer engagement

Company Information

Enriched company details and information

Breaking the Cloud Barrier to Core Banking

Description

Temenos is a global leader in banking technology, providing comprehensive banking solutions that help financial institutions modernize their operations and enhance customer experiences.

What They Do

Temenos provides banking software solutions that enable financial institutions to deliver modern, comprehensive banking services across various customer segments.

Who They Serve

Temenos serves banks and financial institutions globally, including retail, corporate, and wealth management sectors.

Key Value Propositions

Comprehensive banking solutions
Innovative technology
Customer-centric approach
Cloud-based services
AI-driven insights

Target Customers

Retail Banks
Commercial Banks
Wealth Management Firms
Credit Unions
Islamic Banks

Industries Served

Banking
Financial Services

Contact Information

API Information

API Summary

Temenos offers APIs for integration with various banking services and third-party applications.

API Available
Yes
API Related URLs

Customer Logos

ABN AMRO

ABN AMRO

Al Rajhi Bank

Al Rajhi Bank

Commerce Bank

Commerce Bank

Homepage Full Text

Temenos offers a rich set of end-to-end banking capabilities, including core banking, digital banking, payments, and wealth management, designed to help banks innovate and grow.

Case Studies

ABN AMRO – Success Story

Customer: ABN AMRO

ABN AMRO successfully implemented Temenos solutions to enhance their banking services.

View Case Study
Al Rajhi – Success Story

Customer: Al Rajhi Bank

Al Rajhi Bank modernized its banking operations using Temenos technology.

View Case Study
Commerce Bank – Success Story

Customer: Commerce Bank

Commerce Bank leveraged Temenos solutions for improved customer experiences.

View Case Study

Testimonials

"Temenos has transformed our banking operations and customer engagement."

John Doe - CEO, Example Bank

Products & Offerings

Detailed information about Temenos's products and services. Each offering is enriched with AI-powered insights to help you understand capabilities, features, and use cases.

Temenos Cloud

Temenos Cloud is a cloud-native and cloud-agnostic platform for core banking and digital banking solutions. It supports deployment on public cloud, private cloud, on-premise, or as SaaS, enabling banks to modernize their operations, scale elastically, and reduce infrastructure and energy costs. The platform is designed to help banks unlock new business models, support high transaction volumes, and meet evolving regulatory and sustainability requirements.

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Product Overview

Temenos Cloud enables banks to leverage cloud-native and cloud-agnostic banking solutions, supporting modern, secure, and scalable financial services. It allows financial institutions to adopt Temenos solutions across various cloud platforms or as a service (SaaS), helping them lead in digital transformation, sustainability, and operational efficiency.

Detailed Description

Temenos Cloud is a cloud-native and cloud-agnostic platform for core banking and digital banking solutions. It supports deployment on public cloud, private cloud, on-premise, or as SaaS, enabling banks to modernize their operations, scale elastically, and reduce infrastructure and energy costs. The platform is designed to help banks unlock new business models, support high transaction volumes, and meet evolving regulatory and sustainability requirements.

Key Features

  • Cloud-native architecture
  • Cloud-agnostic deployment (public, private, on-premise, SaaS)
  • Annual updates with contemporary tooling and architecture enhancements
  • Sustainable operations with reduced carbon emissions
  • Elastic scalability and resilience
  • API-driven automation
  • Integration with AI-powered services
  • Support for regulatory and geographic requirements

Key Benefits

  • Accelerates innovation and digital customer experiences
  • Enables seamless adoption of Temenos solutions across cloud platforms
  • Supports elastic scalability for rapid business growth
  • Reduces infrastructure demand and energy consumption for sustainability
  • Helps banks comply with local regulations and geographic requirements
  • Delivers high performance (up to 150,000 transactions per second)
  • Facilitates new business models such as embedded finance and instant payments
Documentation
View Documentation
Who Is It For
  • Retail banks
  • Corporate and commercial banks
  • Wealth management institutions
  • Credit unions and community banks
  • Islamic banks
  • Financial institutions seeking digital transformation
Detailed Sections
Cloud Banking

Leverage banking solutions in the cloud to help you lead.

Pioneering the cloud for banking

Temenos was the first to bring core banking technology to Microsoft Azure in 2011, leading the industry's shift to cloud. The platform now supports cloud-native and cloud-agnostic standards, enabling seamless adoption across cloud platforms or as SaaS.

  • Cloud-native
  • Cloud-agnostic
  • Sustainable banking
  • Unlock business models
Ongoing cloud-native enhancements

Continuous investment in the Temenos Banking Platform ensures up-to-date cloud-native standards, scalability, flexibility, resilience, and enhanced security.

Cloud-agnostic for today, and the future

Temenos Cloud supports deployment on-premise, in the cloud, or as SaaS, accommodating local regulations, geographic availability, and existing cloud provider arrangements.

Sustainable banking delivered in the cloud

Efficient code and architecture reduce infrastructure and energy use, lowering carbon emissions. Temenos partners with eco-friendly hyperscalers like Microsoft.

Unlock new business models with the cloud

Cloud technology supports embedded finance and instant payments, with scalable performance up to 150,000 transactions per second.

Real results

Customer testimonials highlight the platform's role in innovation, scalability, and digital transformation.

  • "The Temenos platform will enable Commerce to deliver innovative solutions for our customers today and well into the future." – David Roller, CIO, Commerce Bank
  • "The flexibility and resilience of the Temenos solution has been vital to our ongoing growth; we simply would not have been able to accommodate such rapid expansion without the elastic scalability of the cloud." – Daniel Broten, SVP and Head at EQ Bank
  • "Temenos cloud technology has a successful track record across Latin America and we knew that it could help us deliver a digital experience that redefines banking." – Arturo Grullón Finet, CEO, Qik
Latest resources

Reports and whitepapers on performance, trust, growth, and legacy system transformation with Temenos Cloud.

  • Temenos Performance Benchmark 2025
  • Building Trust and Driving Growth (AWS & Temenos)
  • Transform Legacy Systems with Cloud
The future of banking starts here

Temenos Cloud helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking.

Temenos Platform

Temenos Banking Platform is a comprehensive, modular platform that enables banks to modernize their core systems, deliver innovative solutions, and stay ahead of industry changes. It supports all banking segments and is built on over 30 years of continual innovation, offering a single code base and market-leading R&D.

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Product Overview

The Temenos Banking Platform is a modular, cloud-native, and cloud-agnostic platform designed for banks seeking to lead in a rapidly evolving industry. It provides a single code base, continual innovation, and a future-proofed foundation for modern banking, supporting progressive transformation, extensibility, AI, security, and compliance.

Detailed Description

Temenos Banking Platform is a comprehensive, modular platform that enables banks to modernize their core systems, deliver innovative solutions, and stay ahead of industry changes. It supports all banking segments and is built on over 30 years of continual innovation, offering a single code base and market-leading R&D.

Key Features

  • Modular solutions for progressive modernization
  • Extensibility Framework for easy, secure customizations (APIs, data models, events, business processes)
  • Automated testing and DevOps support
  • AI capabilities including patented XAI and GenAI, deployment-agnostic
  • Security standards with Secure Development Lifecycle, OWASP, SANS, and SOC2 compliance
  • Regular, automated updates for continuous improvement
  • Cloud-native and cloud-agnostic deployment (AWS, Azure, Oracle Cloud, Huawei Cloud, Google Cloud, SaaS)
  • Centralized pricing and DevOps tooling

Key Benefits

  • Reduces risks associated with core banking modernization
  • Supports progressive transformation with modular solutions
  • Centralized capabilities such as pricing and DevOps tooling
  • Easy and secure customizations via the Extensibility Framework
  • AI-infused for explainability, security, and safe deployment
  • Compliant with international security standards and best practices
  • Always upgradable with decoupled technology and functionality
  • Cloud-native and cloud-agnostic, available on major cloud providers and SaaS
  • Supports rapid diversification and adaptation to business, governance, or regulatory needs
Documentation
View Documentation
Who Is It For
  • Retail banks
  • Corporate and commercial banks
  • Wealth management institutions
  • Credit unions and community banks
  • Financial institutions seeking modernization and digital transformation
Detailed Sections
Temenos Banking Platform

One platform for banks who lead.

An evolving platform for an evolving industry

All our clients use the Temenos Banking Platform, benefiting from over 30 years of continual innovation. Our commitment to a single code base ensures that our market-leading R&D drives evolving banking functionality and enables our clients to work with modern technology and tools at any time. This combination helps banks to lead in their markets today and in the future.

Evolving technology for an evolving industry

Modular solutions, Extensibility Framework, AI infused, Security standards, Always upgradable, Cloud-native, cloud-agnostic.

  • Modular solutions
  • Extensibility Framework
  • AI infused
  • Security standards
  • Always upgradable
  • Cloud-native, cloud-agnostic
Drive progressive change with modular solutions

Our modular solutions aim to reduce the risks associated with core banking modernization, addressing transformation progressively. With centralized capabilities such as pricing, and DevOps-supportive tooling, the Temenos Banking Platform is the central hub for banks aiming to modernize quickly and securely, moving confidently towards a legacy-free environment.

Diversify rapidly and easily with the Extensibility Framework

We know that banks need to adapt solutions to meet their specific business, governance or regulatory needs. With automated testing, the Temenos Extensibility Framework enables easy and secure customizations. It allows clients and partners to extend APIs, data models, events, and business processes, making changes with less effort, and supporting DevOps practices.

AI for explainability, security and safe deployment

Temenos AI enables banks to adopt AI with explainability, security, and safe deployment. Our patented XAI and GenAI offerings are deployment-agnostic, enhancing efficiency and profitability, and designed to help you to deliver personalized customer experiences for all banking segments.

Secure banking that aligns with industry standards

The Temenos Banking Platform delivers secure software solutions, reflecting the “security everywhere” principle. Supported by our Secure Development Lifecycle approach, we apply international security methodologies and best practices such as OWASP and SANS. We also create, implement, and maintain security policies that comply with AICPA/SSAE18 SOC2 principles, supporting protection and adherence to industry standards.

Always upgradable to stay ahead of competition

We decouple technology and functionality, allowing you to upgrade your banking capabilities at your own pace while keeping up with evolving standards, including cloud-native technologies. With regular, automated updates, clients benefit from contemporary technology and functionality. With this future-proofed foundation, you can serve customers with evolving, packaged banking capabilities and easily upgrade to new technology across all deployment models.

Cloud native, cloud agnostic – primed for the cloud

As the banking industry accelerates its shift to the cloud, we continue to invest in cloud-native standards, delivering a platform with full banking functionality. It is available across various cloud platforms including AWS and Microsoft Azure, as well as Oracle Cloud, Huawei Cloud, and Google Cloud, in addition to SaaS.

  • AWS
  • Microsoft Azure
  • Oracle Cloud
  • Huawei Cloud
  • Google Cloud
  • SaaS
Real results

Customer testimonials from Commerce Bank, ABN AMRO, and Komerční Banka highlight the platform's ability to deliver innovation, stability, compliance, and advanced capabilities.

Latest resources

Fact sheets and reports on productivity, core capabilities, and sustainability.

  • Workbench and Packager Fact Sheet
  • Temenos Core Fact Sheet
  • Sustainability Benchmark Report 2024
The future of banking starts here

Discover how our platform helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking. Together, we embrace the future of finance – Leading Banking Forward.

Money Movement & Management

A single, high-performing integrated platform for money movement and management, combining payments, accounts, risk, and treasury. It supports rapid onboarding, smart routing, compliance, automation, and risk mitigation for financial institutions.

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Product Overview

Temenos Money Movement and Management delivers an advanced payments and accounts processing ecosystem, enabling financial institutions to optimize their money movement business on a single, integrated platform that combines payments, accounts, risk, and treasury, along with other key value-added services. The platform is agile, functionally rich, and designed to help organizations get to market quickly, differentiate services, and thrive in the competitive international payments market.

Detailed Description

A single, high-performing integrated platform for money movement and management, combining payments, accounts, risk, and treasury. It supports rapid onboarding, smart routing, compliance, automation, and risk mitigation for financial institutions.

Key Features

  • End-to-end account management for all account types (customer and internal)
  • Real-time balances, posting restrictions, flexible statements
  • Secure, real-time payments processing with scalable architecture
  • Financial crime mitigation (fraud detection, regulatory compliance, cost optimization)
  • Real-time treasury for risk control, efficiency, compliance, and profitability
  • Pre-configured risk analytics for regulatory and business decision support
  • Configurable onboarding for customers and transactions (including via APIs)
  • Comprehensive account services: business, individual, multi-currency, virtual, nostro/vostro, ledger/sub-ledger, cash management
  • Extensive use of pre-built AI models for execution, error reduction, and delivery improvement
  • Advanced settlement methods, multi-currency support, automated refunds/returns
  • Real-time reporting, dashboards, notifications, audit trails, and data streaming
  • Collections processing with direct debit mandate management and API integration
  • Support for global, regional, and domestic regulatory updates (e.g., ISO 20022, instant payments, IFRS9)

Key Benefits

  • Revenue growth through agile, configurable services and rapid onboarding
  • Fast time-to-market with pre-built, specialized accounts and payments services
  • Lower total cost of ownership by consolidating multiple functions into a single solution
  • Reduced processing costs via automation and straight-through-processing
  • Improved customer servicing and ability to meet strict SLAs
  • Minimized risks through ongoing regulatory support and operational stability
Documentation
View Documentation
Who Is It For
  • Banks
  • Financial institutions
  • Fintechs
  • Businesses seeking to optimize payments and accounts processing
  • Organizations operating in dynamic international payments markets
Detailed Sections
Temenos Money Movement and Management

Delivering an advanced payments and accounts processing ecosystem.

Support your money movement and management business on a single, high-performing integrated platform.

Optimize your money movement business on a single, integrated platform that combines payments, accounts, risk, and treasury along with other key added value services. This agile, functionally rich platform enables you to get to market quickly, differentiate your services, and thrive in today’s highly competitive and dynamic international payments market.

Benefits
  • Revenue Growth
  • Fast Time-to-Market
  • LCO
  • Reduce Costs
  • Risk Mitigation
Accelerators for revenue growth

Grow your client base and revenues with a truly agile platform that supports the creation of diverse accounts and payment services configured to target your chosen market segments. Rapidly onboard new customers, businesses, financial institutions, and fintechs through flexible, open APIs. Support smart routing across multiple, cost-efficient alternative payment networks, and embrace the latest innovations to increase your market share, including through our Temenos Exchange providers offering a range of added value services, including digital assets and crypto.

Fast time-to-market, faster time-to-value

Achieve faster time-to-market for new offerings with highly configurable, pre-built specialized accounts and payments services, supporting advanced cloud technologies and continual updates for the latest industry regulations. Empower your business to configure and enhance processes using best practice building blocks, workflow, and extensibility frameworks that support agility, efficiency, and seamless adaptation to evolving market demands.

Lower total cost of ownership

Temenos Money Movement and Management brings together a suite of diverse functions, including accounts, payments, treasury, and risk, into a single, integrated, robust solution. This removes the cost and burden of maintaining, updating, and testing multiple systems and their integrations, which require continual change to adapt to market developments. With flexible deployment options including on premise, cloud, and SaaS, infrastructure costs can also be managed cost-effectively.

Reduce processing costs and improve customer servicing

High levels of automation and straight-through-processing rates are driven by in-built validations, automated enrichments leveraging industry reference data sources, and automated repair and exception handling. As well as reducing processing costs, Temenos Money Movement and Management also boosts customer satisfaction by enabling your organization to commit to the strictest of service-level agreements (SLAs) demanded in a competitive market.

Minimize risks by improving reliability and stability

Improve risk mitigation across critical operations with ongoing support for regulatory updates, reducing the risk of non-compliance penalties. By reducing operational disruptions and minimizing the occurrence and impact of systemic failures, the solution aims to safeguard your customers, your business and your reputation. It also manages risks associated with cybercrime, fraud, sanctions, transactional failures, money laundering, and business and customer liquidity.

End-to-end money movement and management
  • Accounts: End-to-end management of both customer and internal accounts, supporting all account types and full lifecycle management.
  • Payments: Secure, real-time payments processing with accelerated product innovation, boosting efficiency, customer experience, and compliance.
  • Financial Crime Mitigation: Avoid regulatory fines, detect fraud, and mitigate reputational risks while optimizing costs.
  • Treasury: Real-time treasury to strengthen risk control, increase efficiency, ensure compliance, and drive profitability.
  • Risk Management: Pre-configured risk analytics to industrialize risk and regulatory functions, improve business decisions, and optimize performance.
Extensive set of functionally rich features
  • Onboarding: Define and manage customer and transaction onboarding through configurable services including APIs.
  • Hold and manage balances: Comprehensive set of account services including business and individual, multi-currency, virtual, nostro/vostro, ledger/sub-ledger and cash management.
  • Extensive use of AI: Platform broadly infused with pre-built AI models to enhance execution, reduce errors, and improve delivery.
  • Settlement: Advanced funding methods for settlement accounts, multiple currencies, configurable workflows, and automated refunds and returns.
  • Reporting: Real-time updates, status tracking, dashboards. Notifications and alerts, audit trail, time stamping, status changes and data streaming.
  • Collections processing: Direct debit mandate management and collections processing with ability to link via APIs to accounts receivables and order management systems.
  • Regulation and compliance: Support for global, regional, and domestic regulatory updates including payment and accounting standards such as ISO 20022 variations, instant payment scheme updates, and IFRS9.
Real results
  • "It took us only four months from signing the contract to facilitating the first transaction in Temenos. That’s a pretty short time to market and was a real wow moment for us." – Mihails Kuznecovs, CEO, FINCI
  • "We wanted to scale very quickly. Zain Cash was already processing over 100,000 wallet transactions a day. Regulation in the country and consumer behaviour are both changing. We wanted a system that is agile so we can introduce new products easily and scale quickly." – Yazen Altimimi, CEO, Zain Cash
The future of banking starts here

Discover how our platform helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking. Together, we embrace the future of finance – Leading Banking Forward.

Islamic Banking

Temenos Islamic Banking provides a comprehensive, parameter-driven platform for banks to deliver Shari’ah-compliant products and services. It ensures ongoing compliance with Shari’ah law, supports all banking segments, and enables rapid product innovation and digital transformation.

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Product Overview

Temenos for Islamic Banking is a flexible, efficient, and award-winning solution delivering Shari’ah-compliant banking experiences through a combination of digital and human interaction. It leverages advanced product-building capabilities and modern technology to create offerings that are both compliant and personalized, supporting innovation, scalability, and digital engagement.

Detailed Description

Temenos Islamic Banking provides a comprehensive, parameter-driven platform for banks to deliver Shari’ah-compliant products and services. It ensures ongoing compliance with Shari’ah law, supports all banking segments, and enables rapid product innovation and digital transformation.

Key Features

  • Parameter-driven Shari’ah compliance for processes and accounting entries
  • Advanced graphical product builder for quick creation of compliant products
  • Coverage for retail, business, corporate, private wealth, and inclusive banking
  • Automation and support for Straight-Through Processing (STP)
  • Treasury management for Islamic money market and capital market products
  • Islamic portfolio manager for Shari’ah-compliant investments
  • Islamic profit distribution with deposit pool management and profit calculation
  • Customer analytics modules
  • Integration capabilities with existing/legacy banking systems

Key Benefits

  • Complete Shari’ah compliance with parameter-driven adaptability
  • Comprehensive coverage across all banking segments
  • Rapid product innovation and fast time-to-market
  • Operational efficiency and cost savings
  • Scalability and flexibility for banks of all sizes
  • Integration with legacy systems
  • Enhanced customer retention and profitability through analytics
Documentation
View Documentation
Who Is It For
  • Banks seeking Shari’ah-compliant solutions
  • Financial institutions serving retail, business, corporate, private wealth, and inclusive banking segments
  • Banks in regions with Islamic finance requirements (e.g., Saudi Arabia, Egypt, UAE)
  • Institutions aiming for digital transformation and operational efficiency in Islamic banking
Detailed Sections
Temenos for Islamic Banking

Shari’ah compliance with innovation, scalability and digital engagement.

Shari’ah-compliant banking solutions

A flexible and efficient award-winning solution, delivering Shari’ah-compliant experiences using a combination of digital and human interaction. Leverages advanced graphical product-building capabilities and modern technology to create offerings that are compliant and personalized.

  • Shari’ah compliance
  • Comprehensive coverage
  • Product innovation
Complete Shari’ah compliance

Ongoing compliance with Shari’ah auditors adds pressure to already challenging and fast-moving markets. Temenos Islamic Banking is fully compliant with Shari’ah requirements, processes, and accounting entries. It is parameter-driven, enabling banks to adapt it to their own specific compliance requirements.

Comprehensive coverage for all segments

Temenos Islamic Banking covers all areas of banking, from retail to business and corporate, private wealth and inclusive banking, with rich functionality across all verticals to drive cost-savings and operational efficiency.

Enable product innovation

Flexible product builder allows creation of a wide range of products quickly and easily, increasing customers’ product ownership and improving retention and profitability through customer analytics modules. Facilitates innovation and a fast time-to-market.

Key features of Temenos for Islamic Banking

Comprehensive functionality designed for efficiency, scalability, and Islamic compliance.

  • Combining scale and flexibility: Advanced development tools to accommodate rapid expansion and adapt to evolving customer needs.
  • Efficiency as a priority: Automate processes, support STP, reduce errors and manual intervention, and drive down operating costs.
  • Treasury for Islamic banking: Full treasury coverage including front to back-office functionality for Islamic money market contracts and capital market products.
  • Islamic portfolio manager: A sophisticated investment management platform for Shari’ah compliant investments.
  • Islamic profit distribution: Supporting the creation of Islamic deposit pools, to link to sources of funds and run calculations to distribute profits.
Real results

Testimonials from banks in Saudi Arabia, Egypt, and the UAE highlight Temenos' comprehensive Islamic finance capabilities, scalability, and expertise in regional and global banking transformation.

Frequently asked questions

Answers to common queries about Temenos Islamic Banking, including compliance with Shari’ah law and integration with existing banking systems.

  • Parameter-driven system for Shari’ah compliance
  • Covers all Islamic banking processes
  • Integration with legacy systems
  • Flexible and scalable for banks of all sizes
The future of banking starts here

Discover how our platform helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking.

Supporting Resources

Temenos SaaS

Temenos SaaS provides access to market-leading core banking, digital banking, and AI capabilities through a standardized, cloud-based service. It allows banks to operate with the agility of neo-banks while Temenos manages technology operations, updates, and compliance.

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Product Overview

Temenos SaaS is a cloud-based, as-a-service banking platform that delivers core, digital, and AI banking capabilities. It enables banks to maximize customer focus, accelerate growth, and meet the highest standards in risk, data, regulation, ESG, and security management. The service is designed to be resilient, secure, and easy to configure, supporting banks in over 30 regulated regions.

Detailed Description

Temenos SaaS provides access to market-leading core banking, digital banking, and AI capabilities through a standardized, cloud-based service. It allows banks to operate with the agility of neo-banks while Temenos manages technology operations, updates, and compliance.

Key Features

  • Core banking, digital channels, payments, and auxiliary capabilities
  • Pre-packaged, pre-configured solutions for retail, business, and payments
  • Annual update service for platform value and functionality
  • Modular service catalogue for resilience, governance, availability, and security
  • Banking-grade service with audit and certification suites
  • Temenos Trust Center for regulatory, compliance, data, and security documentation
  • Operations, support, management, scaling, and upgrades handled by Temenos
  • Rapid deployment (banking accelerators within 48 hours, full experience in months)

Key Benefits

  • Accelerate growth and customer focus
  • Reduce time to market for new products (65% faster product modification)
  • Increase product penetration (38% more products per customer)
  • Faster environment provisioning (2.5x less time)
  • Eliminate legacy upgrades with annual update service
  • Meet stringent regulatory, risk, and security requirements
  • Access to proven, resilient, and secure banking services
  • Predictable, standardized cloud operating model
  • Comprehensive, end-to-end banking solutions
Documentation
View Documentation
Who Is It For
  • Retail banks
  • Business banks
  • Corporate and commercial banks
  • Wealth management institutions
  • Credit unions and community banks
  • Banks operating in 30+ regulated regions
Requirements
  • Bank must operate in one of the 30+ supported regulatory regions
  • Adherence to Temenos SaaS governance and compliance frameworks
Detailed Sections
Temenos SaaS

Access to leading banking solutions, proven and resilient as-a-service.

Enterprise Service on Temenos SaaS

Enterprise Service unlocks the core and digital banking technology you’ve been waiting for. Easy to consume and configure, functionally rich, and proven to meet new client demands with every iteration.

The shift to SaaS

Explore how SaaS helps banks to navigate disruption and stay competitive. Banks can fast track their transition to cloud while also improving agility to support business and regulatory shifts.

Explore the Enterprise Service

Enterprise Service on Temenos SaaS supports banks with banking-grade resiliency, risk management, security and change control to meet governance and regulatory obligations in 30+ regulated regions.

A single SaaS for all your core, digital and AI needs

Temenos SaaS provides access to market-leading core banking, exceptional digital banking, and proven AI capabilities. It empowers you to operate as swiftly as a neo-bank, backed by proven banking solutions. And with Temenos handling your technology management, you can focus on giving your customers the attention they deserve.

Measurable success

Source: Temenos TVB 2024 Retail Banking Product Value Insights

  • Banks on Temenos SaaS can modify products 65% faster
  • Banks on Temenos SaaS have 38% more products per customer
  • Banks running on Temenos SaaS spend 2.5x less time to provision a new environment
Meet the highest standards in modern banking

Our clients demand the highest standards in risk, data, regulation, ESG, and security management. Temenos SaaS meets these stringent requirements for banks in over 30 regulatory regions, while offering extensive, market-leading banking capabilities to create exceptional banking experiences.

Temenos SaaS offers a host of benefits
  • Comprehensive capabilities
  • Leverage the cloud
  • End-to-end banking
  • No more legacy upgrades
  • Meet your goals
  • Banking-grade service
Leading banking capabilities from a single service

Temenos SaaS supports comprehensive banking experiences, including core banking, digital channels, payments, and auxiliary capabilities to delight your customers and streamline your business. Temenos handles operations, support, management, scaling, annual updates, and upgrades, along with risk, governance, and security assurance. This alleviates the burden of running technology, allowing you to invest more in your customer relationships.

Leverage the cloud, without the complexity

It takes expertise, manpower, transition projects, up-front investments and more to maximize the benefits of the cloud. Temenos SaaS is a standardized service that provides an entirely predictable end-state for banking capabilities, offered as-a-service with the unparalleled resilience of our cloud partners. With Temenos SaaS, we allow banks in any segment to easily access the benefits of the cloud through a SaaS operating model.

End-to-end banking

With our Enterprise Service, you can access pre-packaged, pre-configured, end-to-end solutions for retail, business, and payment services. Obtain proven banking accelerators within 48 hours and deliver a complete banking experience from front to back in just a few months.

Say goodbye to legacy upgrades

With Temenos SaaS, banks stay ahead with our annual update service, providing access to the latest platform value and functionality, reducing technology debt, and ensuring relevant banking services. With Temenos SaaS, you get our annual update service that is fully aligned with your organization to ensure all necessary prerequisites including testing, reflecting the mission-critical and regulated nature of banking services.

A service that meets your governance and business objectives

To meet your governance framework requirements and business objectives, Temenos SaaS offers choice through a modular service catalogue to address resilience, governance, availability levels, security and additional environments-as-a-service. This empowers you to succeed on your terms, within the constraints that matter to your business – reinforcing our commitment to offer flexibility where needed and standardization where possible.

A banking-grade service

Temenos SaaS supports banks operating under 30+ regulators, offering a bank-grade service with audit and certification suites ISO 27001 27017, 27018, STAR level 1 and 2, and AICPA SOC 1,2,3. To help you with governance, we provide the Temenos Trust Center — a portal offering support, insights, and documentation on regulatory, compliance, data, and security domains. This is vital for banks operating amid evolving governance standards.

Real results

Customer testimonials from EQ Bank, Qik, and Šiaulių Bankas highlight rapid go-live, reduced complexity, and the ability to deliver innovative digital experiences.

Temenos AI

Temenos AI is a suite of AI-driven solutions designed for banks and financial institutions. It provides capabilities to automate processes, improve compliance, discover new customer segments, and create tailored products, all while ensuring regulatory compliance and operational efficiency.

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Product Overview

Temenos AI empowers banks with AI-driven solutions to enhance customer engagement, boost operational efficiency, and accelerate innovation and growth. The offering includes advanced technology embedded within Temenos products as well as standalone AI solutions that deliver real-time insights, reduce risk, and support decision making. Temenos leads responsible banking with AI-driven growth and efficiency.

Detailed Description

Temenos AI is a suite of AI-driven solutions designed for banks and financial institutions. It provides capabilities to automate processes, improve compliance, discover new customer segments, and create tailored products, all while ensuring regulatory compliance and operational efficiency.

Key Features

  • AI-driven automation of banking processes
  • Real-time compliance screening against global and domestic watchlists
  • Generative AI for product management and market analysis
  • Detection of potential compliance issues
  • Insights into customer behavior and competitor offerings

Key Benefits

  • Enhances customer engagement
  • Boosts operational efficiency
  • Accelerates innovation and growth
  • Delivers real-time insights
  • Reduces risk
  • Improves decision making
  • Automates complex processes
  • Reduces false positives in compliance screening
  • Helps discover untapped customer segments
  • Supports creation of tailored, compliant products
Use Cases
  • Automating compliance screening and reducing manual intervention
  • Identifying and serving new customer segments
  • Developing new banking products with built-in compliance
  • Gaining real-time insights for operational and strategic decisions
Documentation
View Documentation
Who Is It For
  • Banks
  • Financial institutions
  • Product managers in banking
  • Compliance teams
Detailed Sections
Temenos AI

Temenos leads responsible banking with AI-driven growth and efficiency.

Empowering banks to innovate faster and smarter

Temenos empowers banks with AI-driven solutions to enhance customer engagement, boost operational efficiency, and accelerate innovation and growth. Our advanced technology offers capabilities within our existing products as well as AI solutions that deliver real-time insights, reduce risk, and help with decision making.

FCM AI Agent

Agentic AI helps simplify complex processes by automating tasks without human intervention. Our first product is Temenos FCM AI Agent, a proven AI-enhanced compliance engine, enabling clients to significantly reduce false positives when screening against global and domestic watchlists in real time. The screening alerts are automatically evaluated using sophisticated algorithms that mimic human operators, improving accuracy and efficiency.

Product Manager Copilot

Temenos Product Manager Copilot uses generative AI to help Product Managers discover untapped customer segments and create tailored products that comply with local regulations. This includes seeing how your existing customers are behaving, and which products your competitors offer. Spot potential compliance issues from the start and understand how you can develop new products with out-of-the-box functionality.

The future of banking starts here

Discover how our platform helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking. Together, we embrace the future of finance – Leading Banking Forward.

Core Banking

Temenos Core Banking provides a single, modular platform covering all banking needs, designed to save time and costs while fostering deeper customer relationships. It supports retail, business, corporate, and commercial banking, as well as treasury, compliance, risk management, analytics, and data integration. The platform is cloud-native, cloud-agnostic, and can be deployed as SaaS, on-premise, or in the cloud.

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Product Overview

Temenos Core Banking is a modular, comprehensive, and innovative core banking platform designed to serve all customer segments. It enables banks to deliver modern, scalable, and secure banking services, supporting deployment on-premise, in the cloud, or as SaaS. Over 950 banks in 150+ countries rely on Temenos Core as the central platform for their operations, leveraging its broad capabilities, ongoing innovation, and proven performance.

Detailed Description

Temenos Core Banking provides a single, modular platform covering all banking needs, designed to save time and costs while fostering deeper customer relationships. It supports retail, business, corporate, and commercial banking, as well as treasury, compliance, risk management, analytics, and data integration. The platform is cloud-native, cloud-agnostic, and can be deployed as SaaS, on-premise, or in the cloud.

Key Features

  • Modular core banking architecture
  • Market-leading banking functionality
  • Cloud-native and cloud-agnostic technology
  • Continuous deployment and low-code tooling
  • Real-time treasury management
  • Regulatory compliance management
  • Pre-configured financial risk analytics
  • Advanced analytics for financial and customer insights
  • Integrated data hub with AI acceleration
  • Integration with 150+ partner solutions
  • Support for 24x7 banking operations

Key Benefits

  • Consistently deliver innovative and comprehensive core banking
  • Adopt modular capabilities for accelerated modernization
  • Support for 150+ countries with regionalized solutions
  • Continuous access to latest innovations and technology
  • Boost operational efficiency with developer and product builder tooling
  • Scalable and sustainable performance
  • End-to-end integration with digital, AI, risk, and partner solutions
  • Flexible deployment: on-premise, cloud, or SaaS
  • Proven track record with over 950 banks worldwide
Documentation
View Documentation
Who Is It For
  • Retail banks
  • Business banks
  • Corporate and commercial banks
  • Financial institutions seeking modernization
  • Banks operating in multiple geographies
  • Banks requiring regulatory compliance and risk management
Detailed Sections
Core Banking

Consistently deliver innovative, modular and comprehensive core banking.

Explore core banking in your segment

Temenos Core Banking offers specialized modules for retail, business, corporate/commercial banking, treasury, compliance, risk management, analytics, and data hub.

  • Core for Retail Banking
  • Core for Business Banking
  • Core for Corporate and Commercial Banking
  • Treasury
  • Regulatory Compliance
  • Financial Risk Management
  • Analytics
  • Data Hub
The beating heart of banking

Cover all your banking needs with a single platform and proven functionality designed to save time and costs as well as foster deeper customer relationships. Over 950 banks around the world rely on Temenos Core as the beating heart of their business, leveraging a broad range of capabilities across segments.

  • Leading functionality
  • Modular core banking
  • Go anywhere (150+ countries)
  • Ongoing innovation
  • Leading tooling
  • Scalable and sustainable
  • End-to-end integration
  • Agnostic deployment
Real results

Customer testimonials and success stories from Qik, Banque Internationale à Luxembourg, and EQ Bank highlight the platform's flexibility, scalability, and rapid implementation.

Industry recognition

Temenos Core Banking is recognized as a leader by Forrester, IDC MarketScape, and IBS Intelligence.

  • Leader in Forrester Wave: Digital Banking Processing Platforms, Q4 2024
  • Leader in IDC MarketScape: North America Digital Core Banking Platforms 2024
  • #1 best-selling banking software in 13 categories by IBS Intelligence
Frequently asked questions

Answers to common queries about Temenos Core, including its history, modernization, SaaS availability, and extensibility.

  • What is Temenos Core?
  • How has Temenos Core remained modern for 30 years?
  • How do banks future-proof and reap ongoing benefits?
  • Is Temenos Core available as SaaS?
  • Can banks do a POC?
  • Does Temenos provide more than core banking?
The future of banking starts here

Discover how Temenos Core helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking.

Wealth Management

A single platform of independent, pre-integrated capabilities for digital, portfolio management, data, and core banking, designed for wealth and private banking. Temenos Wealth Management supports digital transformation, operational efficiency, and exceptional client engagement across all wealth segments.

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Product Overview

Temenos Wealth Management is a unified platform of independent capabilities that brings together digital, portfolio management, data, and core banking for wealth and private banking. It enables digital and relationship manager experiences, supporting the full spectrum of wealth management clients from mass affluent to ultra-high-net-worth individuals. The solution is trusted by leading global financial institutions and boutique firms, offering advanced front-to-back wealth and banking automation to drive digital transformation, efficiency, innovation, and sustainable growth.

Detailed Description

A single platform of independent, pre-integrated capabilities for digital, portfolio management, data, and core banking, designed for wealth and private banking. Temenos Wealth Management supports digital transformation, operational efficiency, and exceptional client engagement across all wealth segments.

Key Features

  • Digital Wealth: Client engagement, operational efficiency, digital experiences for all segments
  • Wealth Front Office: Profiling, modeling, risk, compliance, performance tools, customizable workflows
  • Securities: Back-office operations, real-time processing, multi-asset class support, cloud-native
  • DataSource: Market and reference data management, automation, scalability, cost and risk reduction
  • Open APIs and DevOps support
  • Modular, pre-integrated, and standalone solutions
  • Global and local regulatory support
  • Multi-entity efficiency

Key Benefits

  • Exceptional client engagement and digital experiences
  • Operational efficiency and automation
  • Empowerment of advisors and portfolio managers
  • Streamlined back-office operations
  • Enhanced data quality and management
  • Reduced costs through automation
  • Accelerated time-to-market with open APIs and DevOps support
  • Compliance risk mitigation with pre- and post-trade controls
  • High straight-through-processing (STP) rates
  • Flexible cost model with SaaS, cloud, or on-premise deployment
Use Cases
  • Digital transformation of wealth management services
  • Self-service investing and hybrid advisory
  • AI-based smart advice
  • Automated front-to-back processes
  • Compliance and regulatory reporting
  • Multi-entity and multi-segment wealth management
Documentation
View Documentation
Who Is It For
  • Large global financial institutions
  • Boutique wealth management firms
  • Private banks
  • Clients ranging from mass affluent to ultra-high-net-worth individuals
Detailed Sections
Temenos Wealth Management

A single platform of independent capabilities unifying digital, portfolio management, data, and core for wealth and private banking.

Explore our Wealth Management solutions
  • Digital Wealth: Exceptional client engagement, operational efficiency, and digital experiences for all segments.
  • Wealth Front Office: Profiling, modeling, risk, compliance, and performance tools for advisors and portfolio managers.
  • Securities: Streamlined back-office operations, real-time processing, multi-asset class support.
  • DataSource: Enhanced market and reference data quality, automation, scalability, and flexibility.
The de-facto solution for the wealth industry

Transform your wealth management services with Temenos Wealth. Advanced front to back wealth and banking solution designed to reduce costs through core automation and drive end-to-end digital transformation. Trusted by leading global financial institutions and boutique firms.

  • Exceptional customer experience: Self-service investing, hybrid advisory, AI-based smart advice.
  • Boost productivity: Manage one or thousands of accounts simultaneously.
  • Quicker time-to-market: Open APIs, DevOps support, product flexibility, partner ecosystem.
  • Compliance risk mitigation: Pre- and post-trade controls, modular solutions, regulatory support.
  • High STP rates: Automated front-to-back processes, industry standards, full integration.
  • Adapted cost model: SaaS, cloud, or on-premise deployment, scalable platform, multi-entity efficiency.
Real results

Customer testimonials from ABN AMRO, Banque Internationale à Luxembourg, and Eurobank Cyprus highlight agility, operational efficiency, automation, and competitive advantage enabled by Temenos Wealth.

Industry recognition

Temenos Wealth Management is recognized as a leader in WealthTech 100 2024, Forrester Wave for Digital Wealth Management, and IDC Wealth Management Report.

  • Featured in WealthTech 100 2024
  • Leader in Forrester Wave for Digital Wealth Management
  • Leader in IDC Wealth Management Report
Frequently asked questions

Answers to common queries about Temenos Wealth, including target customers, hyper-personalization, as-a-service availability, and independent capabilities.

  • Serves global institutions and boutique firms, all client segments
  • Supports hyper-personalization using data and AI
  • Available as SaaS, cloud, or on-premise
  • Modular, pre-integrated, and standalone solutions

Financial Crime Mitigation

Temenos Financial Crime Mitigation is a single product family designed to help banks and financial institutions detect and prevent financial crime, comply with regulations, and optimize operational efficiency. It covers anti-money laundering (AML), fraud detection, watchlist screening, and customer due diligence, leveraging advanced algorithms, AI, and automation.

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Product Overview

Temenos’ Financial Crime Mitigation (FCM) is an award-winning product family that enables banks and financial institutions to avoid regulatory fines, detect fraud, and mitigate reputational risks while improving throughput and optimizing costs. It provides comprehensive solutions for AML, fraud detection, and compliance, supporting a risk-based approach and offering fast compliance, protection, and time to value.

Detailed Description

Temenos Financial Crime Mitigation is a single product family designed to help banks and financial institutions detect and prevent financial crime, comply with regulations, and optimize operational efficiency. It covers anti-money laundering (AML), fraud detection, watchlist screening, and customer due diligence, leveraging advanced algorithms, AI, and automation.

Key Features

  • Industry-leading detection accuracy and low false positives via advanced algorithms, contextual whitelists, and robotic process automation
  • Outstanding performance and resilience with vertical/horizontal scalability and SaaS-based scaling
  • Proven behavioral analytics, algorithms, and AI for customer 'DNA' profiling
  • Enterprise-wide coverage for watchlist screening, KYC, AML, and fraud prevention
  • Flexible and configurable deployment (on-premise, cloud, SaaS)
  • Easy deployment with pre-built models and phased implementation
  • Configurable workflow management for case, alert, and report management
  • Temenos FCM AI Agent for automated, AI-enhanced compliance and real-time watchlist screening
  • Suspicious activity detection in real time
  • Customer monitoring and peer-based risk comparison for AML
  • Advanced watchlist screening to reduce false positives and costs
  • Customizable, dynamic, and advanced KYC assessments

Key Benefits

  • Avoid regulatory fines
  • Detect and prevent fraud
  • Mitigate reputational risks
  • Improve throughput and operational productivity
  • Optimize costs in line with risk-based approaches
  • Reduce false positives and manual overhead
  • Enhance compliance and reporting
Use Cases
  • Anti-money laundering (AML)
  • Fraud detection and prevention
  • Watchlist screening (global and domestic)
  • Know Your Customer (KYC) and enhanced due diligence
  • Real-time suspicious activity detection
  • Regulatory compliance and reporting
Documentation
View Documentation
Who Is It For
  • Banks
  • Financial institutions
  • Small financial institutions
  • Large banks
Requirements
  • Integration with core banking systems (supported for any core banking system)
  • Configurable to region-specific requirements
  • Supports gradual adoption and phased migration
Detailed Sections
Financial Crime Mitigation

A single product family for fast compliance, protection and time to value.

Comprehensive financial crime mitigation solutions for AML, fraud detection, and compliance

Temenos’ award-winning Financial Crime Mitigation product family enables banks and financial institutions to avoid regulatory fines, detect fraud and mitigate reputational risks whilst improving throughput and optimizing costs in line with your risk-based approach.

  • Detection accuracy
  • Outstanding performance
  • Proven combination
  • Enterprise-wide
  • Flexible & configurable
  • Easy to deploy
  • Enhanced productivity
Industry leading levels of detection accuracy and false positives

Industry leading false positive levels are achieved via sophisticated algorithms, smart contextual whitelists and robotic process automation, designed to dramatically reduce overheads and costs. Banks report double their hit evaluation efficiency (a 250% increase while head count is up only 30%). Efficiency is further enhanced through a proven combination of algorithms, rules and AI.

Outstanding performance and resilience

Vertical and horizontal scalability or SaaS-based scaling ensures Temenos FCM delivers a strong performance together with high availability, whether on-premise, cloud or SaaS. Trusted for its speed and resilience, the solution handles high transaction volumes and throughput and is relied upon by small financial institutions and large banks alike.

Proven behavioral analytics, algorithms and AI combination

Based on key metrics such as income, spending patterns, and transaction types, a unique financial fingerprint or “DNA” is created for each customer. Combined with pre-built typologies and self-learning algorithms, it enables financial institutions to distinguish between usual and unusual behavior.

Enterprise-wide solution

For all financial crime mitigation needs spanning watchlist screening, KYC, AML and fraud prevention, Temenos FCM provides a complete solution. Using a risk-based approach, it monitors transactions for continual risk assessment, enabling you to allocate your resources more effectively and focus efforts where they are needed most.

Flexible and configurable

FCM is a flexible and configurable solution designed for institutions of all sizes. It can be deployed on-premise, in the cloud, or as SaaS, minimizing implantation effort while maximizing efficiency. With highly configurable business rules, it supports region-specific requirements and integrates easily with any core banking system.

Easy to deploy, supporting gradual adoption and migration

Based on pre-built models that can be tailored to each bank or financial institution’s risk-based approach, FCM enables rapid implementation with minimal disruption, as well as the option to install only those components needed. The phased implementation also allows gradual adoption and migration at any level. Additional specialist advisory services are available through Temenos Professional Services, offering guidance on risk-based approaches to AML, sanctions and KYC best practices.

Enhanced user productivity with workflow management

Configurable workflow management designed to reduce the total cost of ownership by providing highly efficient processes for case management, alert management, and report builder. This fully flexible solution meets the operational demands of any financial institution.

Temenos FCM AI Agent

Agentic AI helps to simplify complex processes by performing automated tasks without human intervention. Our first pre-integrated product is Temenos FCM AI Agent, a proven AI-enhanced compliance engine, enabling you to significantly reduce false positives when screening against global and domestic watchlists in real time. The screening alerts are automatically evaluated using sophisticated algorithms that mimic human operators, improving accuracy and efficiency.

Key features of Financial Crime Mitigation

Temenos FCM leverages advanced algorithms and automation to detect, prevent, and manage fraudulent activities in real time. With comprehensive tools for anti-money laundering, watchlist screening, and enhanced customer due diligence, we help financial institutions minimize risks and support compliance.

  • Suspicious activity detection: Algorithms and peer comparisons detect and block fraudulent transactions in real time.
  • Anti-money laundering: Offering customer monitoring, real-time detection, and peer-based risk comparison.
  • Watchlist screening: Advanced algorithms and automation to reduce false positives and screening costs.
  • Know your customer plus: Standardize risk calculations and enhance KYC with customizable, dynamic, and advanced assessments.

Digital Banking

Temenos Digital Banking transforms traditional banking by offering secure, real-time, and convenient financial services via digital platforms. It integrates AI, cloud computing, and automation to enhance customer engagement and streamline operations. The platform supports digital payments, paperless onboarding, and personalized financial insights, improving accessibility and efficiency for both banks and customers.

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Product Overview

Temenos Digital Banking is a cloud-native, flexible platform that enables financial institutions to quickly deliver innovative, AI-powered financial services. It powers personalized experiences, seamless transactions, and accelerates digital transformation for banks and their customers.

Detailed Description

Temenos Digital Banking transforms traditional banking by offering secure, real-time, and convenient financial services via digital platforms. It integrates AI, cloud computing, and automation to enhance customer engagement and streamline operations. The platform supports digital payments, paperless onboarding, and personalized financial insights, improving accessibility and efficiency for both banks and customers.

Key Features

  • Cloud-native, flexible platform
  • AI-driven personalization and recommendations
  • Omnichannel onboarding and customer journeys
  • Real-time account management and transactions
  • Analytics, automation, and data-driven insights
  • Robust security measures including encryption and fraud prevention
  • Customizable user interfaces and mobile app integration
  • Open APIs for integration with emerging technologies
  • Modular architecture for easy expansion and upgrades

Key Benefits

  • Rapid delivery of innovative, AI-powered financial services
  • Personalized customer experiences across all channels
  • Seamless, secure, and real-time transactions
  • Enhanced customer engagement and loyalty
  • Scalable and flexible to accommodate growth and new products
  • Reduced manual effort and streamlined processes
  • Future-proofed with open APIs and scalable cloud infrastructure
  • Improved operational efficiency and cost-effectiveness
Use Cases
  • Retail banking digital transformation
  • Business banking for SMEs
  • Compliant onboarding and customer journey management
  • Islamic banking digitalization
  • Omnichannel banking experience
  • Rapid product and service innovation
Documentation
View Documentation
Who Is It For
  • Retail banks
  • Business banks (SMEs)
  • Islamic banks
  • Financial institutions seeking digital transformation
  • Banks seeking to modernize customer engagement and onboarding
Detailed Sections
Digital Banking

Quickly deliver innovative, AI-powered financial services with Temenos Digital Banking, a cloud-native, flexible platform.

Digital banking for all your needs
  • Digital for Retail Banking: Simplify your day-to-day banking, empowering customers with seamless experiences, personalized insights, and real-time control of their financial lives.
  • Digital for Business Banking: Remove the complexity from business banking, providing SMEs with tools and insights.
  • Journey Manager: Deliver faster, easier, and compliant onboarding customer journeys.
  • Islamic Banking: Award-winning solution delivering Shari’ah-compliant experiences.
  • Temenos Fabric: Accelerate omni-channel backend application development.
  • Temenos Visualizer: Quickly build apps across channels.
Accelerate digital transformation with seamless customer engagement

Streamline your operations and enhance client value with Temenos Digital. Create memorable, personalized customer experiences that drive loyalty through meaningful engagements across all channels.

  • Grow customer relationships with data-driven capabilities
  • Onboard customers rapidly with seamless omnichannel onboarding
  • Drive cross-sell with personalized recommendations
  • Deliver seamless banking with intuitive interfaces and AI-driven personalization
  • Address customer demands using analytics, AI, and automation
Real results

Customer testimonials highlighting rapid innovation, scalability, flexibility, and regulatory support.

Industry recognition

Temenos recognized by IBS Intelligence as #1 best-selling banking software in 13 categories.

Frequently asked questions

Answers to common queries about Temenos Digital Banking, including technology, advantages, consumer benefits, future-proofing, and key features.

The future of banking starts here

Discover how our platform helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking.

Payments

Temenos Payments is a comprehensive payments processing platform designed to help financial institutions innovate, comply, and grow at scale. It leverages advanced, scalable technologies to deliver lower cost routings, faster time-to-market, real-time payment deliveries, and frictionless customer experiences. The solution is pre-integrated and supports all payment types, offering flexibility in deployment and optimized straight-through processing (STP).

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Product Overview

Temenos Payments provides real-time, secure, and scalable payments processing solutions for financial institutions. The offering enables innovation and compliance at scale, helping banks and payment providers accelerate growth, reduce costs, and ensure regulatory compliance in a rapidly evolving market.

Detailed Description

Temenos Payments is a comprehensive payments processing platform designed to help financial institutions innovate, comply, and grow at scale. It leverages advanced, scalable technologies to deliver lower cost routings, faster time-to-market, real-time payment deliveries, and frictionless customer experiences. The solution is pre-integrated and supports all payment types, offering flexibility in deployment and optimized straight-through processing (STP).

Key Features

  • Real-time, secure, and scalable payments processing
  • Enterprise Payments Processing for faster, smarter customer engagement
  • Pre-integrated accounts and payments processing for advanced money movement
  • Rapid fintech integration and agile transaction routing
  • Pre-built specialized payments services, including regulatory compliance
  • Automated exception handling for improved risk management
  • Single platform for all payment types
  • Flexible deployment options
  • Automatic updates for latest payment market standards

Key Benefits

  • Accelerate revenue growth through rapid integration and expansion
  • Faster time-to-market with pre-built services
  • Reduced cost of processing via optimized STP and automation
  • Lower total cost of ownership with a single, integrated platform
  • Reduced operational and compliance risks
  • Enhanced customer experience with frictionless payments
Documentation
View Documentation
Who Is It For
  • Banks
  • Payment providers
  • Financial institutions seeking to modernize payments infrastructure
  • Organizations requiring rapid scaling and regulatory compliance
Detailed Sections
Payments

Innovate and comply at scale with Temenos payments solutions.

Payments made seamless

Providers require faster, smarter and better customer engagement services to win new business and grow revenues. Temenos leverages advanced, scalable technologies to provide lower cost routings, quicker times to market, faster payment deliveries, and frictionless customer experiences.

Temenos Money Movement and Management

Delivering advanced, pre-integrated accounts and payments processing for faster, smarter money movement.

Rapidly grow your payments business with Temenos

Drive payments business growth with secure, real-time processing and accelerated product innovation. Our scalable solution helps you boost processing efficiency, elevate customer experiences, and ensure compliance in an evolving market. We help you stay ahead of the competition with a payments offering designed for sustainable success.

  • Accelerate revenue growth: Drive revenue growth with rapid fintech integration, easy territorial expansion, and agile transaction routing.
  • Faster time-to-market: Lower time-to-market with pre-built specialized payments services, including regulations.
  • Reduced cost of processing: Optimized STP through smart services, with automated exception handling for improved risk management.
  • Reduce cost of ownership: Single, pre-integrated platform for all payment types, and flexible deployment.
  • Reduce risks: Minimize operational disruptions and protect your business and clients from bad actors.
  • Regulatory compliance: Automatically updated with support for the latest payment market standards.
Best of breed functionality with scalable performance

Payments has always been part of the Temenos DNA. Right from the start, when Temenos was founded, we were delivering payments processing and we now have thousands of banks around the world who rely on Temenos to process their payments.

Real results

Customer testimonials from ABN AMRO, Banque Internationale à Luxembourg, and Zain Cash highlight the platform's ability to drive innovation, regulatory compliance, co-creation, and rapid scaling.

Industry recognition

Temenos recognized by IBS Intelligence as #1 best-selling banking software in 13 categories (IBS Intelligence Sales League Table 2025).