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Core for Business Banking

Create innovative and personalized banking products targeted at new and existing small business customers.

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Remove the complexity around business banking and empower SMEs to focus on execution

Create innovative products in minutes and launch them in days. Temenos Core for Business fosters customer loyalty while allowing you to achieve faster time-to-market, attract new customers and leverage advanced data and analytics.

Flexible and scalable solutions for business growth

As SMEs grow, their banking needs evolve. A robust core banking technology platform allows you to scale your services and adapt to changing customer demands without the need for expensive infrastructure overhauls. The flexibility of these systems enables you to tailor financial products and services to meet the specific needs of different business sizes and industries.

Lower operational expenses through automation and efficiency

Temenos Core for Business is designed to reduce operating costs by automating processes, minimizing paperwork, and streamlining workflows. It can also eliminate the need for physical branches, enabling you to serve SMEs more efficiently. This reduces overhead costs, allowing you to reach a broader customer base and offer services using fewer resources.

Improve compliance through our enhanced risk mitigation capabilities

Our solution incorporates advanced analytics, AI, and real-time monitoring tools to identify risks and fraud. These technologies enable you to assess credit risk more accurately, track unusual transaction activity, and ensure regulatory compliance. With these capabilities, you can also mitigate potential losses, enhance fraud detection, and maintain a secure environment for business customers’ financial transactions.

Increase efficiency through streamlined business operations

Temenos Core for Business automates essential banking processes such as account management, loan approvals, and transaction processing. This automation minimizes manual work, optimizes workflows, and boosts operational efficiency. By reducing routine tasks, you can allocate resources to more strategic initiatives, which can lead to lower operational costs and improved performance across the organization.

Increase your wallet share among businesses clients

With a clear view of an SME’s financial health, banks can effectively cross-sell or upsell tailored products like working capital loans, insurance, or investment solutions. Our solution helps you identify these opportunities and present the most relevant offers to customers at the right time, driving customer satisfaction and revenue per customer through personalized financial solutions.

Key features of Temenos Core for Business Banking

A comprehensive suite of innovative features to drive loyalty and address diverse and evolving SME needs.

Fast product design and launch

An innovative and customizable product engine that enables fast time-to-market and product differentiation.

Wide range of lending products

Secured and unsecured lending options with flexible and adaptable terms.

Relationship-based pricing

Flexible relationship-based pricing drives customer retention through targeted pricing and individual pricing arrangements.

Drive SME growth

Customizable components, enabling fast time-to-market and product differentiation. Operating and finance lease capabilities provided through asset finance.

Extensive payment types

Offer all payment types through a central processing hub with high STP.

Real results

We have high expectations of Temenos, and Temenos continues to meet those expectations by helping us get innovative products to market rapidly.

Simon Beitz
CEO, Alex Bank

Customer feedback for our new products has been excellent, highlighting the stronger, more attractive market proposition that we have built with Temenos solutions.

Spokesperson
AL Ain Finance

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Frequently asked questions

In this section, you’ll find answers to some of the most common queries about Temenos Core for Business Banking. If you don’t find what you’re looking for, feel free to reach out — we’re happy to help!

Key features include integrated customer account management, automated payment processing, real-time data analytics, loan origination and management, fraud detection, multi-currency support, omnichannel access, and seamless integration with third-party systems. These features improve operational efficiency and allow banks to offer a wide range of services.

Our solution supports business lending by automating credit assessments, enabling straight-through processing of loan applications, and using AI and data analytics for more accurate risk evaluation. This leads to faster loan approvals, reduced manual effort, and a better overall lending experience for businesses.

By enabling omnichannel access, real-time transaction monitoring, and faster processing of financial services, Temenos Core empowers banks to improve customer service. It allows businesses to manage their banking needs across multiple platforms (mobile, web, branch), ensuring a consistent and efficient experience for customers.

Our solution provides enhanced security features such as multi-factor authentication, encryption, fraud detection tools, and compliance with regulatory standards. These tools ensure business transactions are secure, reduce the risk of fraud, and protect sensitive business data.