Core Banking

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Wealth Management and Private Banking – Temenos

Engage, build and deliver wealth plans with your clients to help them achieve their wider financial goals using the latest in AI and modern cloud technology.

Core for Retail Banking

Temenos Transact Retail Banking offers a functionally rich, flexible and agile core processing engine that enables your institution to offer personalized, customer-relevant products, while allowing for lower operational costs and increased ROE

Core for Business Banking

Temenos Transact provides cutting edge functionality that enables you to create innovative and personalized banking products targeted at new and existing small business customers

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Corporate Core Banking

Temenos Transact provides best-in-class corporate banking capabilities. It offers an integrated solution, which is cloud native and cloud agnostic, which enables banks to create services and offers suitable for all corporates from the largest to the smallest.

Treasury

A real-time flexible end-to-end solution, Temenos Transact Treasury helps banks of all sizes reduce risk and improve profitability whilst ensuring regulatory compliance.

Financial Risk Management

 Temenos’ Risk solution delivers results that ensure greater efficiency, optimized cost of compliance and enable better risk-informed decisions. 

Innovate faster & smarter

Innovate in minutes and launch products in days using core banking SaaS. Temenos Transact can be accessed in The Temenos Banking Cloud, bringing together the world’s favorite banking services, an innovation sandbox, and a rich fintech marketplace.

Discover The Temenos Banking Cloud

Leveraging modern & disruptive technologies

Temenos Transact exploits new technologies to facilitate ease of use and ubiquity of access of everyday products and services for the end customer and enabling banks to meet their customers ever increasing expectations and demands.

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Expanding customer segments

Customers have become more discerning and less loyal; they shop around for better deals from multiple providers. Temenos Transact enables banks to introduce new products using capabilities drawn from all sectors and hence continue to produce services and offers which are relevant, attractive and innovative, hence increasing customer loyalty and making it easier to acquire new customers.

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Regulation & market practice

Regulation is no longer just about reporting and compliance. It is causing banking operating models to fundamentally change. Temenos Transact enables our clients to enjoy the certainty that regulatory compliance and key market standard changes will be applied to their Temenos solutions on time.

Competition

New entrants entering banking in the past few years share certain characteristics – they are all consumer-oriented technology-driven companies that are leveraging disruptive technologies to develop compelling propositions for their customers. Temenos Transact provides and leverages these technologies to enable incumbent banks to transform to more agile digital banking providers while also offering compelling solutions for challenger and neo banks

Continual release deployment

The solution has regular monthly releases of new functionality which ensure that banks can access new capabilities as soon as they are available. This expanding functionality is delivered as component level upgrades, and can be installed online with no system downtime, ensuring that customer services and operations are unaffected.

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Challenging market conditions

Prolonged recessionary conditions have continued for many years over the last decade putting pressure on margins. ROEs have still not recovered since the pre- 2008 crisis levels of >20%. Cost models of new entrants are an order of magnitude different from the incumbent banks – cost income ratios of 30% vs 50s for most European banks. Temenos Transact’s modern digital banking architecture provides ample opportunity for end-to-end automation and provision of compelling customer products & services at a more efficient cost point.

Retail Banking

Temenos Transact is a functionally rich, flexible and agile core processing engine that enables your institution to offer personalized, customer-relevant products, while allowing for lower operational costs and increased ROE.

Business Banking

Temenos Transact provides the Business Bank with a full suite of functions, with a flexible and agile core processing engine enabling your business clients to trade, grow and scale.

Corporate Banking

Temenos Transact provides best-in-class corporate banking capabilities. The solution is an integrated core banking system with deployable components which cover all areas of corporate banking including corporate lending, trade finance, payments and cash and liquidity management.

Wealth Management

Offering support for Securities and Derivative trading activities to support both Wealth and Mass Affluent sectors. Providing integrated capabilities across the entire trade and instrument lifecycle from order and trade management through to corporate event processing.

Treasury

Designed to meet the complete needs of a modern international treasury operation. Temenos Transact Treasury helps banks of all sizes reduce risk and improve profitability whilst safeguarding regulatory compliance. Covering front, middle and back office on a single platform.

Financial Risk Management

Temenos Financial Risk Management provides financial institutions the ability to comply with complex regulatory requirements and ability to run sophisticated risk analytics. Temenos’ Risk solution delivers results that ensure greater efficiency, optimized cost of compliance and enable better risk-informed decisions. 

T24 is now Temenos Transact

Temenos Transact – cloud-native, cloud-agnostic, API first and AI-Enabled

T24 is now Temenos Transact

Customer success stories

Next Bank – Success Story

Next Bank is a native digital challenger bank headquartered in Taipei, serving…

Bancoppel – Success Story

BanCoppel is one of the largest organizations in Mexico, which includes brands…

Cebuana Lhuillier Bank – Success Story

One of the most dynamic rural banks in the Philippines, Cebuana Lhuillier…

You’re in good company

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