Market leaders in banking technology
450 million people rely on Temenos software every day
We make clear commitments to our customers and outspend the industry on R&D
Temenos customers are more profitable than peers – enjoying a 46% higher return on capital
Delivering core banking, payments, analytics, wealth management and digital channels solutions
We are pleased to announce that Temenos’ annual report for the year ended 31 December 2013 is now available for download. The most comprehensive ever, the 2013 annual report has details of Temenos’ operational and financial performance for 2013, as well as the latest facts and figures about the company, including many case studies from what was a highly successful year.Read more
The Economist Intelligence Unit, on behalf of Temenos, surveyed 242 global banking executives to investigate the views of retail banks on the challenges and changes they face in the years to 2020 and how they are responding.
What do 70% of respondents agree is the best way to boost revenues?Read more
Sectors we serve
Retail banks need to provide optimal customer service across all channels simultaneously. A single rich source of customer data and sophisticated business intelligence tools to provide insight into customer behaviour are key.
Temenos delivers scalable, high-performing solutions to meet retail banks’ needs for core processing, regulation and compliance, internet and mobile channels, and reporting. They're capable of being deployed quickly and reliably, delivering a rapid return on investment.
Well-administered universal banking functions, from diversity of earnings, breadth of balance sheet, mix of products, range of funding and mitigation of risk, make for exceptional resilience and wealth creation.
Success lies in thorough management – robust administration, control, agility, scalability and 360 degree vision of the bank’s business and the customer are vital. Universal banks can now identify and deal with threats while readily capitalizing on opportunity.
Corporate and wholesale banking is rapidly changing. Banks need to react quickly to tactical opportunities whilst keeping sight of strategic goals.
Temenos provides an IT infrastructure that offers a commanding view of the business incorporating core banking functional richness - from trade finance, to cash management, payments and payments repair, corporate and syndicated lending to forfaiting, factoring and delinquency management.
Transaction Banking and Payments
Transaction Banking and Payments
The financial services market is being reshaped by shifts in the economic landscape, new technologies and customer needs. Market compressions like low interest rates and weak growth of commercial lending create challenges for revenue and profitability.
The introduction of real-time and faster payments legislation and growth in the number of channels and regulations such as the Payments Services Directive means that financial institutions need to be properly equipped to react quickly to such on-going changes.
The transfer of wealth to Generations X and Y, running at 1 trillion dollars per year, is leading to private wealth management firms rethinking the way they serve their customers and renovating the systems needed to support new business models.
Temenos private wealth management solutions provide an integrated approach to customer relationship management, portfolio management, performance, asset allocation and data management, plus overall financial services processes and service provision.
Temenos supports banks, network organizations, MFI's, credit cooperatives and all those providing financial services in emerging markets, including the most progressive leading commercial mass-market retail institutions in the world.
Temenos Microfinance and Community Banking customers use the same enterprise core banking software that the world's top global brands in retail, private, corporate and universal banking rely upon for their daily operations. Today, there are over 200 Microfinance and Community Bank client sites in 36 countries using Temenos.
Treasury & Capital Markets
Treasury & Capital Markets
Increasingly banks are looking to their treasury departments, which have traditionally contributed a significant proportion of profit, to maximise return.
However greater competition with tighter margins, riskier products and volatile market conditions - together with regulatory reforms which are forcing banks to retain more capital - are challenges to this strategy. The treasury function of banks today must have IT systems to support the kind of dynamic trading that achieves optimum results.
The insurance market is undergoing a period of rapid change, impacted by increasing M&A activity, new regulations, additional market entrants, emerging technologies, expanding channels to market and changes in consumer behaviour.
Consumers are demanding more from their providers including 24 x 7 access to products and services via whatever channel they choose at any time. Insurers now need to have a multi-channel strategy in place, whilst managing risk.
Temenos delivers highly scalable and secure solutions to address the needs of today’s Insurers.
Providing impeccable member services, improving efficiencies, mitigating risk and adapting to continuous regulatory changes are the most important drivers of success for your credit union.
Temenos has the technology to help your institution achieve these goals. From branch to back office, CRM and product lifecycle management, our high-performance solutions are designed to meet your business requirements and the real-time, 24/7 needs of your members.
Islamic finance is one of the fastest-growing financial sectors. Temenos has supported Islamic banking for two decades with a range of Shari’a compliant banking software solutions that span retail, corporate, wholesale, treasury, universal and investment banking.
Our Islamic banking solutions deliver a single, integrated architecture that strengthens and streamlines management while reducing operational risk.
Today, many of the world’s top Shari’a compliant banks rely on Temenos Islamic banking solutions to offer a full and competitive range of Islamic financial products to their customers.
- Temenos - Don't miss our #TCF2014 guest speaker Jim McKelvey on future of #cloud #innovation!Clip of his charismatic style here:http://t.co/5m4Wnpxgzo
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Temenos Architecture for better banking