Cairo Amman Bank

Banking across generations and segments

Cairo Amman Bank (CAB) has been a leading financial institution in Jordan and Palestine since 1960. It serves a diverse customer base through three distinct segments, LINC (a youth-focused digital brand for ages 18-40), SIGNATURE (elite individuals and corporate clients), and the mass market operating under the CAB brand.

In Jordan, LINC is deeply embedded in university life through co-branded prepaid student ID cards, while SIGNATURE and CAB serve the bank’s premium and broad-based customer segments.

By 2025, CAB reached a critical juncture. Although Temenos Core had been fully rolled out in 2012, following a period of coexistence with a legacy system, the core platform had not been upgraded in more than a decade, limiting CAB’s ambitions that need additional scalability and innovation.

“We knew we couldn’t scale the way we wanted,” said Rami Maayah, Group CIO. ” Our previous setup demanded too many resources just to keep things running. It was clearly time for a meaningful step forward.”

From stalled to scalable

Given the complexity of the previous setup, an upgrade in 2017 wasn’t finished at the time, so CAB later adopted a more structured approach and launched a full‑scope technical transformation in Jordan and Bahrain. The bank went live successfully on 12 October 2025, marking a major milestone in its modernization journey.

The shift was significant: CAB migrated from IBM DB2 to Oracle and replaced outdated JBoss middleware with IBM Liberty, eliminating years of compensating controls required to manage security risks. “The upgrade removed vulnerabilities we couldn’t address before due to database and middleware limitations,” Rami explained. “We now have a stable, modern, and secure technology stack.”

The Jordan upgrade took a little over a year, reflecting the complexity of the transformation. Now live, CAB has eliminated costly extended support contracts, significantly improving cost efficiency.

The previous environment required additional maintenance, while the new subscription model delivers much greater value for only a slight increase in investment.

A clear three-phase transformation roadmap

With Jordan and Bahrain now on a modern release, CAB has defined a clear three-phase strategy:

• Technical Upgrade – Move the remaining entities to a modern release, supported by Temenos’ always upgradable platform.
• Back-to-Core Assessment – Remove ~2,900 local customizations and realign with an adopt approach to consume rich and standard functionality.
• Functional Upgrade – Build on a clean core to deploy new digital services and innovation.

Momentum in CAB Palestine

CAB is also applying the same approach to its Palestine operations, with the upgrade targeted for completion by mid-2026. Unlike Jordan, the Palestine environment still runs on Jbase, a file-based system, adding complexity.

“We took the hard road first in Jordan,” Rami noted. “CAB Palestine will benefit directly from those lessons, allowing us to move faster and more efficiently.”

Modernizing compliance and AI readiness

CAB also completed its upgrade of the Temenos Financial Crime Mitigation (FCM) suite in December 2024, in line with a mandate from the Central Bank of Jordan. The bank uses the full suite of FCM modules, including screening, profiling, and KYC+.

With VBOT implemented, false positives dropped by 40–50%, significantly reducing manual review effort and compliance overhead.

Looking ahead, CAB plans to deploy Temenos AI in the near future, leveraging subscription-based licensing secured during contract renewal. This AI-driven capability is expected to further enhance screening accuracy and operational efficiency.

Strong governance, growing capability

CAB attributes the success of the transformation to strong governance and close collaboration with Temenos, formalized through various Temenos services and dedicated support agreements.

“These agreements were the key success factor,” said Rami. “They ensured accountability, alignment, and full engagement across all stakeholders. It wasn’t about hoping to succeed, but about planning to succeed. It was a win-win situation.”

In parallel, CAB is investing in internal capability building, training staff through the Temenos Learning Community (TLC) with the goal of executing future upgrades independently.

Benchmarking for the future

Later in 2026, CAB will re-engage with the Temenos Value Benchmark (TVB) to assess progress against the digital maturity matrix and guide investment decisions for the next three to five years.

The bank is also evaluating Temenos Digital, Temenos Payments, Trade Finance, and Treasury capabilities that were previously unattainable on the previous platform.

Cairo Amman Bank Modernizing the Core to Enable Scalable, Digital-First Banking Amman, Jordan At a Glance • Significant annual savings were achieved by eliminating extended maintenance (EM) fees • 2,900 local customizations targeted for removal in the upcoming “back-to-core” adopt strategy • Replacing outdated infrastructure and unsustainable compensating controls which mitigate possible security vulnerabilities • VBOT implementation reduced FCM false positives by 40–50%; meeting Central Bank of Jordan mandates Banking across generations and segments https://vimeo.com/1094014151/8b8361059c PLACEHOLDER https://vimeo.com/1124259931/df78107869 bank Pioneering Composable Digital Banking in Saudi Arabia Riyadh, Saudi Arabia Watch video Cairo Amman Bank logo From stalled to scalable There were vendors pitching very aggressively, but with no track record in our market. And you can’t risk that. For a massive project like this, you need someone you can trust.” – Amr El-Garhy, CEO & MD, MIDBANK A clear three-phase transformation roadmap Temenos was attentive at the moments that really mattered.They brought in more resources when needed, stayed close to the project, and showed genuine commitment to our success.” – Amr El-Garhy, CEO & MD, MIDBANK Momentum in CAB Palestine We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” – Amr El-Garhy, CEO & MD, MIDBANK   Modernizing compliance and AI readiness The outcome of that exercise was the selection of Facilities Lending and Club Loan modules of Arrangement Architecture (AA), that are offered within Temenos Core. Temenos went on to lead the business requirements design phase, with Systems Arabia (formerly NDC) providing implementation support and integration expertise. Go-live was achieved in November 2024, with immediate results With Jordan and Bahrain now on a modern release, CAB has defined a clear three-phase strategy: Technical Upgrade – Move the remaining entities to a modern release, supported by Temenos’ always upgradable platform. Back-to-Core Assessment – Remove ~2,900 local customizations and realign with an adopt approach to consume rich and standard functionality. Functional Upgrade – Build on a clean core to deploy new digital services and innovation. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS CAB is also applying the same approach to its Palestine operations, with the upgrade targeted for completion by mid-2026. Unlike Jordan, the Palestine environment still runs on Jbase, a file-based system, adding complexity. “We took the hard road first in Jordan,” Rami noted. “CAB Palestine will benefit directly from those lessons, allowing us to move faster and more efficiently.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS CAB also completed its upgrade of the Temenos Financial Crime Mitigation (FCM) suite in December 2024, in line with a mandate from the Central Bank of Jordan. The bank uses the full suite of FCM modules, including screening, profiling, and KYC+. With VBOT implemented, false positives dropped by 40–50%, significantly reducing manual review effort and compliance overhead. Looking ahead, CAB plans to deploy Temenos AI in the near future, leveraging subscription-based licensing secured during contract renewal. This AI-driven capability is expected to further enhance screening accuracy and operational efficiency. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Explore our solutions Hamilton Reserve Bank strives to create products tailored to meet the unique requirements of its global clients that value speed, safety, and privacy. Similarly, the bank aims to make every client interaction an easy, fast, secure, and frictionless experience — from new account onboarding 100% online to fast payments executed in seconds and 24/7 digital access allowing multiple signers and controls in omnibus accounts; all backed up with robust security, privacy, and top compliance measures. The bank chose Temenos for its highly reputable and dependable core banking system with exceptional transaction and real-time monitoring capabilities demanded by large global correspondent banks. “Our previous core banking tools had limited integration capabilities,” adds Akinnia Glasgow. “Key processes such as manual client onboarding could take 5 days for staff to approve account applications. As customer onboarding exploded with many new account applications waiting to be processed, we had to scale our global operations through a fresh approach. The flexible Temenos modules became our solution after we had rejected many others. We signed an 11-year agreement with Temenos as a key partner and devoted a US$30 million IT budget to build a large bank well positioned to serve a worldwide client base. We are very pleased and have not looked back since.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Measurable impact The results have been swift and significant. MIDBANK has the ability to work on reducing transaction processing times and annual saving in operational cost, and improving in customer satisfaction. Customers will benefit in the coming period from faster services, better product availability, and a more modern digital experience. It is an artistic expression of how digital transformation reshapes end users’ financial lives—through cutting-edge technological innovations, accelerated service delivery, and enhanced user experience. It reflects the dual mission of driving operational efficiency and reinforcing regulatory compliance, as pivotal forces for sustainable economic growth and inclusive development, in alignment with Egypt Vision 2030 and the Central Bank of Egypt. Internally, automation has decreased the reliance on manual operations, freeing staff to focus on higher-value tasks. “The capacity in the system is so strong and robust that it helps us resolve things much more quickly,” Amr said. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Strong governance, growing capability CAB attributes the success of the transformation to strong governance and close collaboration with Temenos, formalized through various Temenos services and dedicated support agreements. “These agreements were the key success factor,” said Rami. “They ensured accountability, alignment, and full engagement across all stakeholders. It wasn’t about hoping to succeed, but about planning to succeed. It was a win-win situation.” In parallel, CAB is investing in internal capability building, training staff through the Temenos Learning Community (TLC) with the goal of executing future upgrades independently. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Temenos Wealth Management A single platform of independent capabilities unifying digital, portfolio management, data, and core for wealth and private banking. Explore our solution Woman writing on clipboard at desk Data Hub Transform banking with real-time data, AI acceleration, and seamless integration. Explore our solution ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Given the complexity of the previous setup, an upgrade in 2017 wasn’t finished at the time, so CAB later adopted a more structured approach and launched a full‑scope technical transformation in Jordan and Bahrain. The bank went live successfully on 12 October 2025, marking a major milestone in its modernization journey. The shift was significant: CAB migrated from IBM DB2 to Oracle and replaced outdated JBoss middleware with IBM Liberty, eliminating years of compensating controls required to manage security risks. “The upgrade removed vulnerabilities we couldn’t address before due to database and middleware limitations,” Rami explained. “We now have a stable, modern, and secure technology stack.” The Jordan upgrade took a little over a year, reflecting the complexity of the transformation. Now live, CAB has eliminated costly extended support contracts, significantly improving cost efficiency. The previous environment required additional maintenance, while the new subscription model delivers much greater value for only a slight increase in investment. Close ties Temenos offered MIDBANK more than just software. Its local presence, proven track record in Egypt, and strong ecosystem of partners brought credibility and confidence to a high-stakes transformation. Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. b Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories We want to own our transformation end to end. Partners are important, but internal capability means we can scale on our own terms. Leveraging Temenos Learning Community, we can own our transformation while reducing long-term delivery costs.” Rami Maayah, Group CIO at Cairo Amman Bank Benchmarking for the future Later in 2026, CAB will re-engage with the Temenos Value Benchmark (TVB) to assess progress against the digital maturity matrix and guide investment decisions for the next three to five years. The bank is also evaluating Temenos Digital, Temenos Payments, Trade Finance, and Treasury capabilities that were previously unattainable on the previous platform. Temenos’ standing in analyst reports helped validate CAB’s long-term choice. Temenos is focused on banking, and its roadmap is fully aligned with what we need. This isn’t just about modernizing for today. This upgradable platform is the foundation for what comes next: AI, digital onboarding, and instant payments. We are now in a position to move fast on a solid base.” Rami Maayah, Group CIO at Cairo Amman Bank One of the biggest wins is what this means for RBI Group. We can innovate locally, but we’re also aligned globally. That gives us scale, agility, and ultimately the ability to build superior customer experiences. It’s a platform for long-term growth.” Kreshnik Halili, CIO/COO at Raiffeisen Bank dd Bosna i Hercegovina ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Cairo Amman Bank (CAB) has been a leading financial institution in Jordan and Palestine since 1960. It serves a diverse customer base through three distinct segments, LINC (a youth-focused digital brand for ages 18-40), SIGNATURE (elite individuals and corporate clients), and the mass market operating under the CAB brand. In Jordan, LINC is deeply embedded in university life through co-branded prepaid student ID cards, while SIGNATURE and CAB serve the bank’s premium and broad-based customer segments. By 2025, CAB reached a critical juncture. Although Temenos Core had been fully rolled out in 2012, following a period of coexistence with a legacy system, the core platform had not been upgraded in more than a decade, limiting CAB’s ambitions that need additional scalability and innovation. “We knew we couldn’t scale the way we wanted,” said Rami Maayah, Group CIO. ” Our previous setup demanded too many resources just to keep things running. It was clearly time for a meaningful step forward.” https://vimeo.com/1158984519/4d72d33443 SS