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Temenos

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    • OverviewOur industry solutions provide the richest end-to-end banking functionality with model bank capabilities for over 150 countries. They are all delivered on the most advanced cloud-native, cloud-agnostic, AI and API-first Temenos Platform and deployable on-premise, in the cloud and as a service. Temenos has helped over 3,000 clients accelerate their digital transformation by offering proven implementation strategies.
    • Retail Banking
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      • Temenos Infinity – Digital Front Office
      • Temenos Transact – Core Banking
      • Temenos Payments
      • Temenos Multifonds
      • Temenos Quantum – Multiexperience Development Platform
      • Temenos AI
      • Temenos Financial Crime Mitigation
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  • Products
    • OverviewTemenos products have the richest end-to-end banking functionality with model bank capabilities for over 150 countries. They are all delivered on the most advanced cloud-native, cloud-agnostic, AI and API-first Temenos Platform and deployable on-premise, in the cloud and as a service. Temenos has helped over 3,000 clients accelerate their digital transformation by offering proven implementation strategies.
    • Digital Front OfficeTemenos Infinity is a digital banking product focused on customer experience.
    • Core BankingTemenos Transact is the next generation in core banking.
    • PaymentsTemenos Payments is a payment hub supporting traditional and real-time payments.
    • Fund AdministrationTemenos Multifonds combines investment accounting and transfer agency capabilities on a single, global platform.
    • Multiexperience Development PlatformTemenos Quantum delivers digital transformation through multiexperience solutions.
    • AITemenos AI enables smart, contextualized banking using explainable models.
    • Additional Products

      • Financial Crime Mitigation
      • Data & Analytics
      • Financial Inclusion
      • Regulatory Compliance
  • Platform
    • OverviewOur products are built on the single integrated Temenos Platform using the most advanced cloud-native, cloud-agnostic, AI, API-first and DevOps technologies and tools. The platform helps banks to reduce their TCO, increase scalability and deploy rapidly on any cloud.
    • Cloud-Native, Cloud-AgnosticLower costs with the elastic scalability, security and control you need to shape your business.
    • APIs & ExtensibilityInnovate faster with access to over 700 open APIs in the largest FinTech ecosystem.
    • Microservices & ContainersMicroservice architectures enable continuous application upgrades and cloud scalability.
    • Distributed DatabaseAchieve true horizontal scalability in the database layer and operate on an active-active basis across multi-cloud.
    • Temenos Continuous Deployment – DevOpsReduce cost and shorten software release cycles – code in the morning, deploy in the afternoon.
    • Security & Immutable LoggingProtect your bank from modern digital threats with the highest levels of security.
    • AITemenos AI enables smart, contextualized banking using explainable models.
    • Multiexperience Development PlatformDeliver a best-in-class user experience as a consistent and seamless multiexperience digital journey across various touch points and modes of interactions.
    • Changemakers
    • Changemakers

      Temenos is the world’s #1 banking software provider, working with visionary Changemakers to reinvent and shape the future of banking.


    • find Out More
  • Delivery
    • OverviewWe take a customer live on our software every day with our remote-first continuous transformation approach. The combination of our model bank framework and our three proven implementation strategies – including Build & Renovate, Continuous Renovation and Big Bang approach, dramatically reduces transformation time, cost and risk.
    • Temenos SaaSTemenos SaaS has been providing an agile service for running Temenos software on the public cloud since 2011.
    • Implementation StrategiesOur remote-first implementation approaches reduce project risk and provide value from day one.
    • Implementation MethodologyThe process driven implementation methodology promises to provide greater delivery certainty.
    • Model Bank ApproachBroad functionality suitable for banks in all sectors and geographies.
    • Temenos Learning CommunityOur blended, multi-channel education platform and community for training and certification.
    • PartnersTemenos has a global network of partners to reduce implementation risk and provide technology innovation.
    • TLC - Co-workers taking part in a brainstorming session
    • Temenos Learning Community

      The answer to modern, accessible, blended Temenos training and the growing, global demand for Temenos experts


    • Request To Join
  • Community
    • OverviewDiscover the largest and most dynamic global community of over 3,000 banks, 100+ FinTechs, 6,000+ Temenos-skilled partner consultants and developers who support and collaborate within the Temenos ecosystem.
    • Customer Support & ServicesTailored packages giving you the flexibility to choose the level of support you need.
    • Success StoriesFind out how banks thrive using the world’s #1 banking software.
    • Ambassador ProgramDiscover the benefits of showcasing your success with the Temenos Ambassador Program.
    • Temenos Value Benchmark ProgramA strategic survey-based service to discuss the business and IT metrics and best practices enabled by your investment in technology.
    • PartnersTemenos has a global network of partners to reduce implementation risk and provide technology innovation.
    • Temenos Learning CommunityOur blended, multi-channel education platform and community for training and certification.
    • Temenos MarketPlaceOur self-service digital store providing access to the best global FinTech solutions.
    • Temenos Developer CommunityBuild and test integrations against Temenos product portfolio with our free APIs.
    • ChangemakersWorking with visionary Changemakers to reinvent and shape the future of banking.
    • Changemakers
    • Changemakers

      Temenos is the world’s #1 banking software provider, working with visionary Changemakers to reinvent and shape the future of banking.

    • find Out More
  • Insights
    • OverviewHear about the latest industry trends and thought leadership from Temenos.
    • White Papers & ReportsGet the latest insights and thought leadership from the #1 banking software company.
    • VideosWatch all the latest videos from Temenos.
    • WebinarsLearn more about industry trends and best practices through our webinars.
    • BlogRead up on all the latest topics and trends in banking.
    • Temenos Value BenchmarkA strategic survey-based service to discuss the business and IT metrics and best practices enabled by your investment in technology.
    • New Economist Intelligence Unit Report: Open Banking – Revolution or Evolution?

      Open Banking can create groundbreaking shifts in banks’ business models, more innovation and better customer experience. But how quickly are changes taking hold?


    • Read the Full Report
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MarketPlace Solutions

Envestnet Yodlee

Yodlee Instant Account Verification (IAV)

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Instant Account Verification(IAV) API

Yodlee Instant Account Verification (IAV) offers a safe, secure, and fast way to onboard consumers, aggregate accounts, and enable risk decisions for further services. With the broad coverage and the patented technology of Yodlee IAV, FIs and Internet innovators can bring consumers onboard quickly and efficiently by verifying account access immediately for faster, safer online transactions.

Features and Benefits

Yodlee IAV

Yodlee IAV happens in real-time, unlike most account verification processes that take numerous days and require consumers to verify micro-deposits to their bank accounts to validate accounts.

Financial data

Instant access to financial data confirms the ownership of the account and verifies the account balance in seconds. As a result, opening new accounts, transferring funds, and making online purchases is not only faster and more intuitive for consumers, it’s also less risky for FIs and Internet innovators.

Yodlee Financial Data

Yodlee has broad coverage, connecting to an industry leading 85 percent of U.S. banks and 80 percent of Canadian banks in real-time. Yodlee IAV verifies more than 70,000 accounts each day, coupled with the Yodlee Financial Data Platform’s ability to aggregate personal account information at thousands of online sources, including banks, brokerages, credit cards, insurance providers, billers, lenders, and more.

Transaction process

Quick, accurate decisions within the transaction process streamline the user experience for quick and efficient onboarding.

Yodlee FastLink

By combining Yodlee IAV with patented Yodlee FastLink technology, banking consumers can easily add thousands of financial accounts simultaneously using their online banking credentials instead of routing numbers.

Leveraging bank-level security

By leveraging bank-level security with multi-factor authentication and matching protocols with authenticated identity, Yodlee IAV deters fraud.

Enhanced verification

For enhanced verification, custom rules can be built with the option to use up to 90 days of prior transaction data for greater insight and more precise credit decisions.

Yodlee Instant Account Verification

Yodlee Instant Account Verification opens the door to deeper insights on risk through real-time access to up to 90 days of transaction detail for more precise credit decisions. Transaction detail and data such as account ownership, deposits, and balances can help inform a borrower’s credit risk and increase loan approvals, while potentially reducing the possibility of loan risk and defaults.

Get In Touch

Temenos Headquarters SA
2 Rue de l’Ecole-de-Chimie
CH - 1205 Geneva
Switzerland

Tel: + 41 (0) 22 708 1150

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