Future-Ready Banking for Challenger Banks

“The limits of the possible can only be defined by going beyond them into the impossible.”

Arthur C. Clarke

Employ Future-Ready Technology

From launch to early growth, digital banks are in a unique position to learn from recent trailblazers in this domain – such as Temenos’ challenger bank clients Alex Bank, KAF, Judo Bank and O-Bank.

The key takeaways from these banks? Scalable, open API and cloud-native software that offers continuous integration/deployment capabilities and exceptional digital experiences is paramount to the success of relatively new market entrants.

Position Your Bank for Success

Optimize your ROE when you choose Temenos to build your bank on a modern, digital banking platform. With the industry’s highest R&D spend and deep, regional expertise, Temenos has mastered the equation for success. Our relationships with several global challenger and neobanks demonstrate how our product offerings optimize system performance, enhance customer experience and provide scalability, and maximize your profit equation.

70+ Challenger Banks Choose Temenos

Temenos has proven experience in delivering innovative technology and successful SaaS banking solutions, to more than 70 challenger banks, through The Temenos Banking Cloud. We are proud to offer them a foundation to launch their new banking services and to support their growth.

Composable Banking Services

Composable Banking Services accelerate product time-to-market for banks and non-banks by easily combining Temenos Banking Capabilities and third-party solutions from the Temenos Exchange. This includes Retail Banking – a comprehensive service to quickly deliver retail deposits, loans and accounts – Financial Crime Mitigation, Payments, and Explainable AI (XAI) for Retail Lending to offer hyper-personalized and differentiated banking experiences.

Unlike other vendor solutions, with the Temenos Banking Cloud, challenger and neobanks can access pre-composed, integrated banking services, which takes away painful and time-consuming integrations and major upgrades. These new banking services on the Temenos Banking Cloud can be rapidly consumed from a self-service portal and easily configured, extended or deployed anywhere.

“We see great traction globally where challenger banks – free from the constraints of legacy technology – recognize the power of the Temenos Banking Cloud. We have industry-leading levels of investment in innovation. We will be investing over USD 1bn in R&D in just the next few years. With Temenos open platform and the out-of-the-box functionality that we offer with the Model Bank we are helping challengers launch faster, bring new products to market, be more agile and grow profitably. Our cloud technology enables challengers to benefit from lower total cost of ownership and agility, rapid innovation and can offer outstanding banking experiences.”

Max Chuard, Chief Executive Officer, Temenos

Find out why Challenger banks choose Temenos

Contact us to learn how Temenos can transform the way you do banking.

Join the likes of these leading banks in the region


Helping Malaysians to recover from the financial impact of COVID-19 with innovative digital lending.


Taiwan’s first Digital Bank. The bank is the first Digital Bank in Taiwan and since its opening at the end of 2017 has acquired over 150,000 customers.

Judo Bank

Judo has subscribed and on-boarded to the Temenos software-as-a-service cloud offering which we run on the Microsoft Azure Cloud service.

More Insights on Building Future-ready Banks

Challenger Banks

Changes in technology enable new banks to set up, and existing banks to open new operations, more quickly to take advantage of fragmenting customer segments and evolving customer needs