Composable Deposits

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Flexible, future-ready deposits

Independent capability for current, savings and term deposit accounts, enabling progressive modernization. Launch products fast and upgrade with minimal banking disruption.

Create various deposit types, including current accounts, savings accounts, term deposits, and multi-currency accounts.

Use an external pricing tool, such as Temenos Composable Pricing Capability, or an in-house or a third-party solution to price current, savings and term deposit products, including fee terms and interest rates.

When composed with Temenos Product and Pricing Manager, Composable Deposits lets you design current, savings and term deposit products in a matter of hours or days, so you can act quickly on shifting market demands.

Deploy, update, and scale deposits independently, so you can grow transaction volumes and add new features without extensive core banking overhauls.

Comprehensive lifecycle management including account opening, maintenance, and closure, supported by APIs for ease of integration with other systems.

Enable or disable specific features, such as current account overdrafts, account statements, and additional services, providing a tailored customer experience.

Latest resources

Accelerating Modernization Via Composable Banking
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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?
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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.

Composable Deposits accelerates time‑to‑market in two key ways. First, adding new functionality to legacy core systems is often expensive, slow, and carries greater risk. Instead of enhancing an outdated platform, banks can adopt a modern, ready‑built solution that delivers the required features out of the box. Second, when Composable Deposits is combined with the Temenos Product and Pricing Manager, banks can build customer offerings in hours or days, reducing development cycles and enabling rapid innovation.

Yes. Clear integration contracts for APIs and events make it easy to connect with other Temenos capabilities and third party systems.

Temenos Composable Solutions 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.