Composable Solutions
Bring proven Temenos Core functionality into your ecosystem as independently deployable capabilities.
Explore Temenos Composable Solutions
Retail Lending
An independent capability for consumer loans, mortgages, and lines of credit, allowing launching products fast and minimal upgrade disruption.
Retail Deposits
Independent capability for consumer loans, mortgages, and lines of credit, allowing to launch products fast and upgrade with minimal disruption.
Multi-Currency
Extends Composable Retail Deposits with multi-currency accounts, meeting the growing demand for flexible multi-currency propositions.
Payments
Proven Temenos payments functionality, delivered as composable capabilities for flexible deployment and seamless integration across account sources.
Pricing
Pricing for composable architectures, simplifying deployment and enabling operating more effectively as an independent banking capability.
Latest resources
Accelerating Modernization Via Composable Banking
Discover why composable banking is transforming the way financial institutions operate and modernize their core banking – breaking away from rigid legacy cores for faster innovation.
Core Banking Modernization – Which Strategy is Right for You?
Composable banking offers a progressive, flexible alternative to full core replacements. Discover the key benefits and which banks benefits the most.
Learn more about Temenos Composability
Gartner® Magic Quadrant for Retail Core Banking Systems, Europe
Temenos named a Leader in Gartner’s 2026 Retail Core Banking Europe Magic Quadrant, earning top marks for vision and innovation.
The Temenos
Composable Banking in Practice Guide 2026
Explore the principles, opportunities, challenges and practical approaches shaping composable banking today.
Performance Benchmark 2026: Composable modernization at scale
Temenos and Azure benchmark integrated core, composable capabilities to prove performance for modernization models.
Frequently asked questions
Both approaches provide access to the rich, proven banking functionality of the Temenos platform, but offer different ways to adopt it. An integrated approach can be well suited to banks looking for broad core banking capabilities together, while Temenos Composable Solutions package capabilities for independent deployment, integration, scaling and evolution. This gives banks the flexibility to choose the approach that best fits their architecture, business priorities and modernization strategy.
Temenos Composable Solutions combine composable flexibility with the rich, proven banking functionality of Temenos Core. Built on the same Temenos platform, capabilities can be deployed, integrated, scaled and evolved independently. Banks can adopt proven, ready-to-use banking functionality, reducing the need to build and maintain custom capabilities that add complexity and risk creating tomorrow’s legacy within a composable architecture.
Banks can introduce specific capabilities alongside their existing banking environment rather than replacing everything at once. This allows individual domains to be modernized progressively while maintaining coexistence with surrounding systems and reducing transformation risk.
No. Temenos Composable Solutions are not a separate or lighter core banking platform. They draw on proven Temenos Core functionality and package specific banking capabilities for independent, composable adoption. This gives banks greater choice in how they evolve their banking environment.
Temenos demonstrates composable banking at scale through its 2026 Performance Benchmark, testing composable capabilities alongside integrated core banking and AI-enabled workloads in a realistic banking environment. Explore the benchmark for evidence and insights into building high-performance, scalable composable banking architectures.
Composable banking can benefit any bank looking to reduce complexity, increase flexibility and gain greater control over how its technology evolves. It enables capabilities to be introduced and evolved independently, supporting more resilient, high-performing and manageable architectures. With Temenos, banks retain functional depth: Composable Solutions are built on the same platform and draw on the same rich, proven functionality as Temenos Core, giving banks greater choice in what, when and how they modernize.