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Retail Banking

The world's leading retail banking solution designed for the new banking landscape.

Retail Banking Issues

Retail banking has undergone massive transformation and changed forever. The digital revolution has led to a disrupted marketplace with changing customer behavior and expectations, emerging competitor types, and innovative technologies that are game changing. This disruption is forcing banks to revisit their business models and the underlying technologies that drive their business. No longer are banks in control, dictating the terms in how customers bank with them. The customer has become the driving force of evolution in retail banking.

Retail Banks are also under pressure from profit margins being squeezed, resulting from product transparency, competition and increasing operational, funding and regulatory costs. Despite these challenges, this digital banking era opens up massive opportunities and banks need to act so these opportunities are reaped to maintain market position and profitable growth. Banks need to provide customers with a new style of banking that fits with the new ways of living; banks need to become customer centric.

Key challenges facing Retail banks

  • Maintaining profitable growth
  • Digitization and speed of change
  • Evolving customer demands and expectations
  • Market disruption
  • Operating efficiency and rising costs

How our solution helps

Retail Banking is an integrated banking software solution for retail banks of all sizes across the globe.

It combines a modern, agile core with powerful analytics and a single platform for distribution across all digital and assisted channels. It enables you to provide convenience and choice to your customers in how they want to bank and manage their finances. It will extend your reach to customers using any device, today and in the future. You will be able to harness the wealth of your data to better understand your customers and develop products and services they want and need quickly and easily.

Retail Banking will address your banking technology, regulatory and market challenges of today and tomorrow. Through Temenos you can leverage technology innovation to drive competitor differentiation and advantage, increase operational efficiencies, reduce costs and boost profitability.

Whether you are a new start-up looking for your first solution, or a large-scale multi-country bank, Retail Banking provides a solution which will enable you to scale, onboard, reduce attrition and deliver a market-leading service to your customers.

What's included

Retail Banking is a complete, fully integrated, front to back yet componentized retail banking solution, delivered on a single platform. Retail Banking provides you with choice by being platform agnostic and provides flexible deployment models and speed to market, with regionalised solutions that can be deployed on or off site.

Temenos provides the richest and most comprehensive core banking functionality on the market today. This is coupled with massive scalability and straight through processing with highly automated transaction handling from multiple channels and sources, increasing efficiency, reducing operating costs and lowering the cost of ownership.


Retail Banking encompasses:

Retail Banking provides everything you need from one platform to deliver customer-centric banking, drive innovation, and remain competitive in this new dynamic retail banking landscape. 

When vision matters

Temenos positioned as a leader in Gartner’s Magic Quadrant for Global Retail Core

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Retail Banking eBrochure

The world’s leading retail banking solution.


How it's delivered

The very ethos of Temenos is to deliver solutions that are open, extensible, upgradeable, scalable and high performance, protecting your investment for the future.

Retail Banking is built on an advanced architecture, underpinned by an award winning enterprise framework which can be run on a wide range of stacks, in any application server. It can be delivered in a multi-tenant or Cloud-based set-up, giving you complete choice and flexibility. A componentized framework allows you to adopt a progressive renovation approach, enabling a phased implementation in line with your requirements.

We work with a global network of leading business, technology and services partners to reduce implementation risk, enable a faster time-to-market and provide innovation. Our technology partners include: HPIBMOracle and Microsoft.

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Our experts are on hand to help you