Leading Banking Forward: TCF 2026, and beyond

Reflecting on TCF 2026 in Copenhagen, it’s clear that ‘Leading Banking Forward’ is more than a tagline, it’s a choice our community makes every day.

The purpose of banking, to turn possibility into reality, remains constant. But the world around us is changing fast.

Modernization is no longer optional. The question is not whether to modernize, but how to do it in a way that supports growth, resilience and outcomes.

That’s why Temenos’s commitment to Leading Banking Forward is to build products and technologies for today’s world that are easy to use, resilient and trusted when it matters most.

With AI raising the bar on what’s possible, banking stands at an inflection point. If we build the right products and make the right engineering choices together, banks will deliver outcomes for customers on a new level. So the question is, do we make incremental change, or take the leap?

The framing for TCF 2026 – Trust, Modernize, Transcend – was the pathway to taking that leap together.

Trust is the Foundation

Trust is at the heart of everything we do. Banks trust our platform to run mission critical operations reliably, securely and at scale.

The key question is how to build on that trust by creating forward motion without disruption. This is the challenge Modernize seeks to address.

Modernize without disruption

Banks need to modernize on their terms, so they can move quickly, with confidence and control, and with security built in.

This is why I believe progressive modernization matters. It’s about upgrading capability by capability on composable architecture, or through point solutions. This unlocks value faster and reduces risk.

At TCF, we launched Composable Retail Deposits and Composable Retail Lending, and showcased the latest in Wealth, Payments and Financial Crime Mitigation.

We also expanded Temenos SaaS. Wealth Front Office is now available in SaaS Foundation, and we’re expanding our SaaS offering on AWS to bring Digital Banking and Payments together with core banking.

Modernize isn’t just about what we deliver, it’s how we cobuild. Our Design Partner Program is now fully operationalized and has already yielded capabilities including Temenos Copilot for Core and our award-winning FCM AI Agent.

From these foundations, we’re helping banks look to the future and Transcend by redefining what’s possible and creating new products with greater speed.

Transcending expectations

At TCF, we unveiled Intelligent Core and Intelligent Digital. This is about embedding intelligence directly into our products, woven into workflows banks already run and tools they already use.

Intelligence at Temenos shows up in three ways.

First, through copilots, which give a consistent way to build, run and evolve the bank, with people firmly in control. We announced the expansion of Temenos Copilot for Core and the introduction of Copilot for FCM, Wealth and Payments.

Second, AI Agents. We’re building on our FCM AI Agent flagship with the Ops AI agent, piloted inside Temenos to help spot and resolve problems before they happen and keep banks running smoothly.

Finally, conversational studios empower bank teams to turn ideas into digital experiences, dramatically cutting the time from concept to execution.

Actions – not words

Trust, Modernize, Transcend at TCF were more than words on a slide. Attendees leaned in.

They got hands on with the demos; one European bank even brought its wireframes and built its product in real time in our Transcend demo cubes! There was insightful feedback in our user groups and breakouts. And there was a strong appetite to shape what’s next, with an incredible 238 unique sign-ups to join our Design Partner Program.

That’s why I left TCF 2026 not with a sense of ending, but of beginning. Now we take the leap and use the products and solutions we build together to create real outcomes and lead banking forward. I can’t wait to reflect on the impact with our community again at TCF 2027 in Prague.

If you would like to hear more, I invite you to watch my full TCF session here.