Digital Banking
Quickly deliver innovative, AI-powered financial services with Temenos Digital Banking, a cloud-native, flexible platform.
Digital banking for all your needs
Digital for Retail Banking
Simplify your day-to-day banking, empowering customers with seamless experiences, personalized insights, and real-time control of their financial lives. Temenos Digital drives engagement, loyalty, and banking efficiency.
Digital for Business Banking
Remove the complexity from business banking, providing SMEs with tools and insights so they can focus on running their business and addressing their customers’ needs.
Journey Manager
Deliver faster, easier, and compliant onboarding customer journeys. Reduce manual effort, streamline complex processes, and create personalized journeys to drive higher conversion rates and cost-efficiency.
Islamic Banking
A flexible and efficient award-winning solution, delivering Shari’ah-compliant experiences using a combination of digital and human interaction, leveraging advanced product-building capabilities and modern technology to create offerings that are compliant and personalized.
Elevate your customers banking experience
Attract new customers, grow your revenue, and ensure customer loyalty with Temenos’ innovative banking solutions.
Transform your bank from within
Behind every smart banking solution is intelligent technology, smooth workflows and empowered teams.
Accelerate digital transformation with seamless customer engagement
Streamline your operations and enhance client value with Temenos Digital. Create memorable, personalized customer experiences that drive loyalty through meaningful engagements across all channels. Powered by high-performance transactional capabilities and efficient processes, we can help you to optimize your business performance.
Grow customer relationships
Use data-driven capabilities to build relationships with your customers, through online and offline channels.
Onboard customers rapidly
Expand your customer base with seamless omnichannel onboarding and optimize conversions by analyzing abandonment trends.
Drive cross-sell
Foster long-term customer loyalty and expand reach with personalized recommendations and next best product offers.
Deliver seamless banking
Help customers manage their finances on the go with intuitive interfaces, AI-driven personalization, and secure transactions.
Address customer demands
Use analytics, AI, and automation to create tailored financial solutions while also anticipating future needs.
Real results
With Temenos, we can make enhancements to our mobile app that were much too complex with our older platform, ensuring that we continue to improve the user experience. The solutions enable us to develop and bring new services to market rapidly.
Lorenzo Villa
Head of Touchpoints, IT Department, Credem
In the face of sharp growth, the platform has proved scalable and flexible. It can accommodate anything. We can come up with any new product, any configuration or third-party integration, and the system just handles it all.
Aman Semir
Vice President Technologies and Digital Banking, Cooperative Bank of Oromia
Temenos has, as we’ve discovered the right technology, but also the US model bank has the regulatory support for us. We spent a lot of time with you working on it, and we believe it’s ready. But I’d also say that you have the people to deliver. So yes, we would recommend it.
David Roller
Chief Information Officer, Commerce Bank
Industry recognition
Temenos Recognized by IBS Intelligence as #1 best-selling banking software in 13 categories
IBS Intelligence’s annual Sales League Table 2025 evaluated more than 1500 banking industry deals in 2025, identifying the best-selling propositions across numerous categories.
Latest news
Frequently asked questions
In this section, you’ll find answers to some of the most common queries about Temenos Digital Banking. If you don’t find what you’re looking for, feel free to reach out — we’re happy to help!
Digital banking technology transforms traditional banking by offering secure, real-time, and convenient financial services via digital platforms. It integrates AI, cloud computing, and automation to enhance customer engagement and streamline operations. Features such as digital payments, paperless onboarding, and personalized financial insights improve accessibility and efficiency for both banks and customers.
Digital banking systems provide greater efficiency through automated workflows and reduced manual intervention. Customers enjoy faster, more convenient transactions, while banks can scale services without additional infrastructure costs. Enhanced data analytics and security features also ensure better decision-making, fraud prevention, and a more personalized experience for users.
Digital banking solutions empower consumers with a more flexible and user-friendly banking experience. They enable fast, secure transactions, real-time updates, and instant access to account information. With enhanced automation and personalized services, consumers benefit from greater control, convenience, and better financial management.
Our Digital banking capabilities are future-proofed by incorporating open APIs, and scalable cloud infrastructure to enable seamless integration with emerging technologies. These solutions are designed to evolve continuously, ensuring banks can respond quickly to new innovations and provide customers with the most advanced and secure services.
Key features to consider in a digital banking solution include robust security measures, such as encryption and fraud prevention tools, along with customizable user interfaces. Real-time account management, mobile app integration, and AI-powered recommendations for personalized financial services are also important for an enhanced customer experience.