Banking Made Better
Temenos AG (SIX: TEMN), is the world’s No.1 banking software
Over 3,000 firms across the globe, including 41 of the world’s top 50 banks, rely on Temenos to process the client interactions and daily transactions of more than 500 million banking customers.
Temenos offers cloud-native, cloud-agnostic, API-first digital banking, core banking, payments, fund management, and wealth management software products, enabling banks to deliver consistent, frictionless customer journeys and achieve market-leading cost/income performance.
We have a relentless focus on innovation and consistently reinvest 20% of our revenues into R&D, the highest in banking software.
We have the largest and most dynamic global community of banks, FinTechs, developers and partners in the industry and together we make banking better.
A Clear Mission
Temenos’ vision is to provide financial institutions, of any size, any sector and anywhere in the world, the software to thrive in the digital banking age.
Temenos software is proven to enable its top-performing clients to achieve industry-leading cost-income ratios of 25.2% and returns on equity of 25.0%, 2X better than the industry average. These clients also invest over 53% of their IT budget on growth and innovation versus maintenance, which is 2.5X better than the industry average, proving the banks’ IT investment is adding tangible value to their business.
Our products combine the richest end-to-end packaged country model bank functionality and the most advanced cloud-native, cloud-agnostic, AI and API-first technology, helping our clients go-live faster, giving them the freedom to innovate and deliver personalized experiences.
We’re passionate about helping banks to perform better so we solely focus on creating banking software.
The Winning Combination
Only Temenos offers the winning combination of advanced cloud-native, cloud-agnostic and API-first technology and the richest packaged banking functionality to help banks transform faster with the lowest cost of software deployment.
We provide banks with highly scalable, cost-effective modern technology to give them the freedom and flexibility to innovate for their customers. Our software is cloud-native and cloud-agnostic; it can run on any cloud, with any choice of cloud provider and it can work just as seamlessly on premise. Our architecture is API-first, which enables banks to easily collaborate and integrate with third-party products and with our MarketPlace FinTechs.
We use distributed databases to help banks lower their infrastructure costs through elastic scaling, active-active resilience and enhanced security. We use AI, machine learning and predictive analytics to help banks achieve greater business efficiencies and resilience. We support developers through the Temenos Developer Portal and over 700 published APIs.
We also speed up banks’ ability to go to market because of our packaged model bank functionality.
We understand local specificities – regulation, tax and language – and build this functionality into our country model banks. And we have over 25 years’ experience of developing software in this way.
Our continuous deployment methodology gives customers the power to bring business change and innovation to market rapidly and securely, essentially coding in the morning and deploying in the afternoon.
We Offer a Simple Equation to Achieve Transformation
Delivering on Our Promise
We take a bank live on our software every day. We help banks accelerate their digital transformation and reduce the cost of deployment. We support different implementation strategies, depending on what will create the fastest time to value for our clients. For larger and more complex projects our ‘Build and Renovate’ implementation strategy minimizes the cost and time of transformation.
End-To-End Transformation
Temenos believes that banks who transform their operations from front-to-back or back-to-front will achieve greater value and leverage innovations more quickly.
Through Temenos Infinity – our ground-breaking front office product– and Temenos T24 Transact – our next-generation core banking product – we support end-to-end digital renovations. Our software products can also be deployed independently, which means that we can support a bank’s transformation journey from any starting point and take them however far they want to go.