Composable Solutions

Modernize your core banking without unnecessary disruption, creating value faster and significantly lowering transformation risk.

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Modernize at your own pace

Modernize your ecosystem step by step, reducing implementation complexity, spreading costs over time, and delivering value sooner, with less disruption.

Curate your technology ecosystem

Open APIs make it easy to connect with other Temenos capabilities – such as Product and Pricing Manager, Pricing, and Holdings – in addition to third-party systems, so you can build your own best-of-breed ecosystem.

Improve operational efficiency

Total cost of ownership is reduced due to a smaller technology footprint, independent scaling, and upgradability.

Elevate the customer experience

Real-time balances, 24/7 availability, and tailored offers ensure customers have an excellent experience.

Innovate faster

With a much simpler deployment, launch products swiftly to meet customer and business demands.

Reduce operational costs

Lower system complexity and interdependencies while spreading investment incrementally over time.

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Composable Deposits

An independent capability for current, savings and term deposit accounts, allowing you to launch products fast and upgrade with minimal disruption.

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Latest resources 

Accelerating Modernization Via Composable Banking
Accelerating Modernization Via Composable Banking
Discover why composable banking is transforming the way financial institutions operate and modernize their core banking – brea...
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Core Banking Modernization – Which Strategy is Right for You?
Core Banking Modernization – Which Strategy is Right for You?
Composable banking offers a progressive, flexible alternative to full core replacements. Discover the key benefits and which ban...
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Frequently Asked Questions 

In traditional core banking systems, banking functions are delivered through a single monolithic platform, where each feature is interconnected and dependent on others. In contrast, composable banking breaks these capabilities into independent components, enabling banks to mix and match best-in-class solutions from multiple vendors and build a flexible, cross-vendor ecosystem.

Temenos’ composable banking capabilities are based on over 30 years of experience in the industry and proven functionality across Temenos Core. Independent capabilities are easy to install and upgrade, and allow progressive modernization without disrupting wider banking operations.