Temenos Transact
core banking software

Combining cutting edge banking technology with flexible and extensive business support.

Why Temenos Transact core banking

Temenos Transact is the most successful and widely used digital core-banking solution in the world. Using cloud native and agnostic technology, Temenos Transact provides the most extensive and richest set of banking functionality across retail, corporate, treasury, wealth and payments with over 1000 banks in 150+ countries relying on it to provide market leading and innovative products and services to their customers.

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.

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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.

Why Temenos Transact - Man holding futuristic phone

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.

Why Temenos Transact - Man working on multiple screens

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.


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.

Why Temenos Transact - Girl holding world

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.

Measurable success


Longest, continuous, upgradeable use of software is 23 years so far


1080 total Temenos Transact clients


41 of the top 50 banks run Temenos


#1 best selling core banking system for 16 years – IBS Intelligence Sales League Table 2021


Largest client has 24 million accounts

Product overview

Integrated corporate banking core system with unparalleled functional depth and capability

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.

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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. 

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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. 

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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.

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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.

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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. 

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T24 is now Temenos Transact

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

Customer success stories

O Bank Success Story - New Taipei City, Taiwan Coastline

“Temenos software allows the bank to launch products in cycles that are probably 10x faster than before. We are working together with Temenos as partners to transform our business digitally from bottom up.””

Ezequiel Szafir, CEO, Openbank

You’re in good company

Want to get started?

Get in touch or download our brochure.