Temenos Origination Connectors

Connector	Description	Type
Allied iQQ	Allied Solutions – This connector provides access to Allied’s cutting edge online quoting software, Internet QuickQuote (iQQ), to present the cross-sell GAP and MBP options.	Insurance
ApplicationXtender	MetaSource – This connector allows documents attached to a loan application to be archived and stored with ApplicationXtender.	Document Management
Car Solutions	Car Solutions – The Car Solutions connector provides financial institutions with the ability to present and cross-sell GAP and MBP products directly through the loan origination solution.	Insurance
CO-OP	Co-Op Financial Services – This connector allows provides institutions to create new accounts, print and activate credit cards onsite, increase existing credit limits, and add authorized users during account creation.	Data Extracts
Credit Reporting	Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Experian, Equifax and/or TransUnion through a third-party credit reporting service.	Credit Reporting
CUDL	CUDL – This connector allows dealer applications submitted through Credit Union Direct Lending (CUDL) to be seamlessly transmitted to/from the system for evaluation.	Indirect Lending
CUNA Loan Calculator	CUNA Mutual Group – This connector allows institutions utilizing credit insurance and/or debt protection to calculate payment, term, and balloon amounts.	Calculator
CUNA Protection Advisor Expert	CUNA Mutual Group – This connector is an integrated web calculator that supports real-time GAP and MBC quoting from within the loan origination solution.	Insurance
Dealertrack	Dealertrack – This connector allows dealer applications submitted through Dealertrack to be seamlessly transmitted to/from the system for evaluation.	Indirect Lending
DocuSign	DocuSign – This connector makes electronic signature easier with direct integration to our loan origination solution.	Document Management
Equifax	Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Equifax.	Credit Reporting
Experian	Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Experian.	Credit Reporting
Experian Application Export	Experian – This connector provides a tool to generate an export for when Performance Insight and Risk Based Pricing services are provided by Experian. Experience takes and analyses application and performance data from the system and provides feedback to the FI, which enables the FI to better understand its decision model.	Data Extracts
Experian Instant Pre-screen	Experian – This connector allows originators to trigger a search of Prescreen offers for the applicant. If applicants elect to take advantage of offers, the application process can bypass credit processing and underwriting to fulfill and fund the offers based on the rate and terms of the offer. Unused offers are saved as Promotions in the Loan Origination system for future application.	Cross-Selling
Experian Precise ID	Experian – This connector provides the ability to interface with Experian’s Precise ID and Knowledge IQ products for identity checks and fraud verification based on pre-defined business logic.	Fraud Detection
FirstClose	FirstClose – This connector provides access to the FirstClose ONE platform of solutions allowing financial institutions the ability to order and process real estate services, such as appraisal, automated valuation, closing, flood certification, property condition report, recording, tax service, title search, valuation, and verification directly within Temenos Temenos Digital.	Real Estate Services
FIS BASE2000	FIS – This connector provides a database extract which complies with the standards required by FIS/Certegy. When a credit card is disbursed, it is automatically included in the next extract run and sent via a secure connection for card creation.	Data Extracts
FIS ChexSystems	FIS – This connector provides resources to verify applicants through the use of the ID Verification (IDV) and ID Authentication (IDA) products. Additionally, a QualiFile product is available which provides customer scoring and risk segmentation during the account origination process.	Fraud Detection
FIS TBS	FIS – This connector allows credit card fulfillment requests and updates information to be easily transferred daily, in a batch format, from the system to TBS.	Data Extracts
Frost Financial	Frost Financial- this new connector fully integrates Frost Financial’s VisualGAP web services interface to enable the ability to seamlessly present the protection products offered during the loan application process.	Indirect Lending
HMDA	HMDA – This connector enables institutions to extract data in a format that is compliant for input into the government HMDA reporting system.	Data Extracts
HYLS	HYLS – This new integration calculates a high yield lending strategy (HYLS) score for each applicant on an application based off of a series of questions and answers regarding applicant data.	Decisioning
IDology	IDology – This connector uses ExpectID technology to create a more satisfying account or loan origination experience by allowing applicants to capture data directly from their driver’s license or other personal identification instead of having to type it in. This secure and convenient process not only saves time but also reduces the chance that an application is abandoned.	Fraud Detection
IMM	IMM – This connector offers users improved productivity by automating the processes between the host system and document storage, as well as providing ancillary products for e-signatures, secure email and fax delivery and storage, and integration into archive systems.	Document Management
IMM eSign Remote	IMM eSign Remote – This connector makes electronic signature easier with direct integration to our loan origination solution through IMM eSign.	Document Management
Kelley Blue Book	Kelley Blue Book – This connector allows financial institutions to valuate vehicles based on retail, trade-in and wholesale prices, and automatically track those values within the system.	Auto Book Value
Lenders Protection	Open Lending – Lenders Protection by Open Lending is a risk management program featuring default insurance coverage for near/non-prime automobile loans. Lenders Protection allows financial institutions and other automobile lenders to model their specific overhead and funding costs and set desired ROA target for their insured portfolio. The result is a profitable auto loan portfolio with carefully managed pricing and risk characteristics.	Insurance
LSI	Lending Solutions Inc – This connector allows applications submitted through Lending Solutions to be transmitted via a secure channel to the system for evaluation.	Indirect Lending
NADA	NADA – This connector allows users to input vehicle specifications and receive book value information in real-time.	Auto Book Value
OFAC	Luxor Technologies, Inc. – This connector provides integration with OFAC Scope scanning products from Luxor Technologies, Inc. With this tool, financial institutions can ensure their account holders are free of fraudulent links to illegal activities tracked by the US and international governments.	Fraud Detection
PSCU	PSCU – This connector enables institutions to access additional credit card information for accounts. Users can choose from PSCU’s standard option or their Data eXchange, which offers real-time information.	Third-Party Credit Cards
PSCU Lending	PSCU – For those institutions contracting with FDR, this connector provides a database extract which complies with the standards required by FDR. When a credit card is disbursed, it is automatically included in the next extract run and sent via a secure connection to FDR for card creation.	Data Extracts
RouteOne	RouteOne – The connector allows dealer applications submitted through RouteOne to be seamlessly transmitted to/from the system for evaluation.	Indirect Lending
SWBC Payments	SWBC – This connector provides direct integration to SWBC’s payments tool for highly secure and efficient electronic ACH and credit card transactions.	Payment Processing
SWBC Unity	SWBC – This connector allows financial institutions to quote, book, and process documents for debt protection, GAP, and Mechanical Breakdown Insurance from SWBC within the system.	Insurance
SystemWare	Systemware – This connector provides institutions with the ability to electronically archive loan documents into an intuitive folder structure.	Document Management
TransUnion	Luxor Technologies, Inc. – This connector retrieves and stores credit report information from TransUnion.	Credit Report
uOpen	Finastra – This connector establishes a secure connection between the system and the uOpen platform which encompasses all of Finastra’s integration products. These products enable indirect sources to transmit and receive loan application data with financial institutions.	Data Extracts

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Interfaces

Correlation	Fiserve	Jack Henry	Finastra	Temenos
Keystone	Datasafe DNA Spectrum XP2	Symitar Epysis	UltraData	Temenos Transact

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Temenos Origination Temenos has a long history of success supporting loan and account origination in North America for banks and credit unions up to $50 billion in assets. These proven solutions are now integrated into Temenos Digital Banking. Connect with us View fact sheet Temenos Digital Origination products for North America give members and customers a rapid, omnichannel product origination experience, including instant decisioning. For credit unions and banks, they create agility, eliminate paper processes, and reduce costs of origination. Temenos Digital Banking works with any core banking system, and Origination products can be used independently or in conjunction other Temenos Digital Banking products such as Journey Manager for acquisition and onboarding. Lorem ipsum lorem ipsum Excepteur sint occaecat cupidatat non proident, sunt in culpa qui. 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Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum You’re in good company Learn more AAA Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. BBB Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. CCC Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. You’re in good company See all case studies AAA Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. BBB Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. CCC Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Benefits Lorem ipsum dolor sit amet consecteur. Lorem ipsum Lorem ipsum dolor sit amet consecteur. Lorem ipsum Lorem ipsum dolor sit amet consecteur. Lorem ipsum Temenos Origination Connectors https://player.vimeo.com/video/123456789 lorem ipsum Tab one Lorem ipsum Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ispum Tab two Lorem ipsum Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. 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Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum Real results Explore all success stories Frequently asked questions In this section, you’ll find answers to some of the most common queries about Temenos Regulatory Compliance. If you don’t find what you’re looking for, feel free to reach out — we’re happy to help! How does Temenos help financial institutions stay compliant with evolving regulations? We offer a comprehensive suite of regulatory compliance solutions integrated into our core banking software. These solutions help financial institutions manage risk, address fraud, and remain compliant with changing regulations by providing modular products and services tailored to specific compliance needs. What regulatory frameworks does Temenos’ solutions support? We support a wide range of regulatory frameworks, including GDPR, PSD2, FATCA, CRS, MiFID II, and the OECD Common Reporting Standard. Our solutions are designed to help banks comply with local and international regulations efficiently. Are Temenos Regionalized Solutions the same as Temenos Country Model Banks? Yes – Temenos Country Model Banks have evolved under the name of Temenos Regionalized Solutions, as regional compliance has become increasingly important to our clients. Frictionless digital journeys Frictionless digital journeys Give the people what they want, and make a great first impression. Shorten loan and account application times and remove obstacles to create a frictionless, white-glove, digital experience, whether at home, in the branch or on the go. Lorem ispum Intelligent decisioning Intelligent decisioning Drive your end-to-end loan and account origination process down to 5 minutes or less, while at the same time making use of intelligent automation. Temenos Digital Banking clients have driven auto-decision rates from 20 to 70% using intelligent multi-factor decisioning. Lorem ipsum Products to market in days Products to market in days Temenos Digital Banking Origination customers bring new products to market in days, not months. Create products without software development, allowing business analysts to make rapid changes. Lorem ipsum Lorem ipsum Origination Resources Lorem ipsum dolor sit amet consecteur. Lorem ipsum Lorem ipsum dolor sit amet consecteur. Lorem ipsum Lorem ipsum dolor sit amet consecteur. Lorem ipsum 5 minutes From application to cash in hand https://player.vimeo.com/video/123456789 lorem ipsum Frequently Asked Questions We understand you may have questions, and we’re here to help. In this section, you’ll find answers to some of the most common queries about Temenos Wealth. If you don’t find what you’re looking for, feel free to reach out—we’re happy to help! AAA Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. BBB Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. CCC Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. 70% Auto-decisioning for consumer loans Temenos Regionalized Solutions Temenos’ packaged functionality, used in 150+ countries, helps banks to comply locally and speed up implementations. AAA Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. BBB Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. CCC Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Temenos Digital Account Origination Factsheet Learn more about Temenos Digital Account Origination for North American Credit Unions and Banks. View more Temenos Digital Loan Origination Factsheet Learn more about Temenos Digital Loan Origination for North American Credit Unions and Banks. View more Explore FCM Explore FATCA Legislation Competitive advantage Turning regulatory change into a competitive advantage By minimizing the effort required to keep up with regulatory change, this solution aims to free up business and IT capacity so you can focus on business opportunities rather than spending valuable time and resources on market developments affecting all banks. Lorem ispum Fully integrated Integrated with Temenos solutions All regulatory compliance solutions are pre-integrated into standard Temenos software, ensuring easy adoption and ongoing usage, and enabling you to always stay current. Lorem ipsum Wide client base Leverage Temenos’ client base and experience We leverage our wide client base and extensive experience to offer packaged toolkits and solutions that help you remain compliant with changing regulatory and business practice requirements. Lorem ipsum Lorem ipsum Temenos Regulatory Compliance offers a comprehensive suite of features designed to simplify and automate compliance management across various regulations. From ensuring timely regulatory maintenance to supporting global financial crime mitigation, our solution empowers banks to meet evolving compliance requirements with confidence and efficiency. Customer data protection Temenos helps banks comply with regulations like GDPR by securely processing personal data. Financial Crime Mitigation Temenos’ Financial Crime Mitigation supports all functions, used by 200+ global banks. FATCA legislation Temenos Core’s FATCA module helps banks comply with legislation, across all phases. Common Reporting Standard Temenos Core’s CRS module ensures compliance with OECD standards for client reporting. MiFID II Support for MiFID II compliance for securities trading, investor profiling, and order processing. IFRS 9 Integrated architecture helps you adopt and transition to IFRS 9. FATF Screens payments/messages for FATF compliance, reducing false positives and automating breach management. PSD2 Support for PSD2 and global open banking with configurable, secure API solutions. Basel Temenos Financial Risk Management solution offers our clients comprehensive and contemporary tools required to navigate the dynamic landscape of Basel regulations in Risk Management. Take the guesswork out of compliance For North America banks, Temenos offers unlimited same-day answers from our compliance experts, uncapped advertisement and disclosure reviews, and a wealth of online templates and guides.Temenos is your compliance genie for staying on top of evolving regulations impacting your business. Frequently asked questions In this section, you’ll find answers to some of the most common queries about Temenos Regulatory Compliance. If you don’t find what you’re looking for, feel free to reach out — we’re happy to help! How does Temenos help financial institutions stay compliant with evolving regulations? We offer a comprehensive suite of regulatory compliance solutions integrated into our core banking software. These solutions help financial institutions manage risk, address fraud, and remain compliant with changing regulations by providing modular products and services tailored to specific compliance needs. What regulatory frameworks does Temenos’ solutions support? We support a wide range of regulatory frameworks, including GDPR, PSD2, FATCA, CRS, MiFID II, and the OECD Common Reporting Standard. Our solutions are designed to help banks comply with local and international regulations efficiently. Are Temenos Regionalized Solutions the same as Temenos Country Model Banks? Yes – Temenos Country Model Banks have evolved under the name of Temenos Regionalized Solutions, as regional compliance has become increasingly important to our clients. Lorem ipsum Take the guesswork out of compliance For financial institutions based in North America, Temenos offers unlimited same-day answers from our compliance experts, uncapped advertisement and disclosure reviews, and a wealth of online templates and guides. Temenos is your compliance genie for staying on top of evolving regulations impacting your business. Man and lady sitting on a desk pointing at device Explore Common Reporting Standard Explore MiFID II Explore FATF Explore PSD2 Explore IFRS 9 Intelligent cross-sell capabilities Intelligent cross-sell capabilities Expand wallet share with the ability to automatically prequalify and present additional product offerings and services to applicants based on attributes and data collected during the origination process. Comprehensive dashboard views Comprehensive dashboard views and reports Utilize interactive, pre-configured dashboards, views and reports to track activity and performance. For reports specific to your institution, a user-friendly report builder is available that can query any field found in the database. Seamless third-party integration Seamless third-party integration To drive both a simplified experience and intelligent decisions, integrating with third parties for key services like ID verification, fraud detection, and financial history is essential. Easily make use of the platform’s robust API or select from our integrated partners. Connector Description Type Allied iQQ Allied Solutions – This connector provides access to Allied’s cutting edge online quoting software, Internet QuickQuote (iQQ), to present the cross-sell GAP and MBP options. Insurance ApplicationXtender MetaSource – This connector allows documents attached to a loan application to be archived and stored with ApplicationXtender. Document Management Car Solutions Car Solutions – The Car Solutions connector provides financial institutions with the ability to present and cross-sell GAP and MBP products directly through the loan origination solution. Insurance CO-OP Co-Op Financial Services – This connector allows provides institutions to create new accounts, print and activate credit cards onsite, increase existing credit limits, and add authorized users during account creation. Data Extracts Credit Reporting Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Experian, Equifax and/or TransUnion through a third-party credit reporting service. Credit Reporting CUDL CUDL – This connector allows dealer applications submitted through Credit Union Direct Lending (CUDL) to be seamlessly transmitted to/from the system for evaluation. Indirect Lending CUNA Loan Calculator CUNA Mutual Group – This connector allows institutions utilizing credit insurance and/or debt protection to calculate payment, term, and balloon amounts. Calculator CUNA Protection Advisor Expert CUNA Mutual Group – This connector is an integrated web calculator that supports real-time GAP and MBC quoting from within the loan origination solution. Insurance Dealertrack Dealertrack – This connector allows dealer applications submitted through Dealertrack to be seamlessly transmitted to/from the system for evaluation. Indirect Lending DocuSign DocuSign – This connector makes electronic signature easier with direct integration to our loan origination solution. Document Management Equifax Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Equifax. Credit Reporting Experian Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Experian. Credit Reporting Experian Application Export Experian – This connector provides a tool to generate an export for when Performance Insight and Risk Based Pricing services are provided by Experian. Experience takes and analyses application and performance data from the system and provides feedback to the FI, which enables the FI to better understand its decision model. Data Extracts Experian Instant Pre-screen Experian – This connector allows originators to trigger a search of Prescreen offers for the applicant. If applicants elect to take advantage of offers, the application process can bypass credit processing and underwriting to fulfill and fund the offers based on the rate and terms of the offer. Unused offers are saved as Promotions in the Loan Origination system for future application. Cross-Selling Experian Precise ID Experian – This connector provides the ability to interface with Experian’s Precise ID and Knowledge IQ products for identity checks and fraud verification based on pre-defined business logic. Fraud Detection FirstClose FirstClose – This connector provides access to the FirstClose ONE platform of solutions allowing financial institutions the ability to order and process real estate services, such as appraisal, automated valuation, closing, flood certification, property condition report, recording, tax service, title search, valuation, and verification directly within Temenos Temenos Digital. Real Estate Services FIS BASE2000 FIS – This connector provides a database extract which complies with the standards required by FIS/Certegy. When a credit card is disbursed, it is automatically included in the next extract run and sent via a secure connection for card creation. Data Extracts FIS ChexSystems FIS – This connector provides resources to verify applicants through the use of the ID Verification (IDV) and ID Authentication (IDA) products. Additionally, a QualiFile product is available which provides customer scoring and risk segmentation during the account origination process. Fraud Detection FIS TBS FIS – This connector allows credit card fulfillment requests and updates information to be easily transferred daily, in a batch format, from the system to TBS. Data Extracts Frost Financial Frost Financial- this new connector fully integrates Frost Financial’s VisualGAP web services interface to enable the ability to seamlessly present the protection products offered during the loan application process. Indirect Lending HMDA HMDA – This connector enables institutions to extract data in a format that is compliant for input into the government HMDA reporting system. Data Extracts HYLS HYLS – This new integration calculates a high yield lending strategy (HYLS) score for each applicant on an application based off of a series of questions and answers regarding applicant data. Decisioning IDology IDology – This connector uses ExpectID technology to create a more satisfying account or loan origination experience by allowing applicants to capture data directly from their driver’s license or other personal identification instead of having to type it in. This secure and convenient process not only saves time but also reduces the chance that an application is abandoned. Fraud Detection IMM IMM – This connector offers users improved productivity by automating the processes between the host system and document storage, as well as providing ancillary products for e-signatures, secure email and fax delivery and storage, and integration into archive systems. Document Management IMM eSign Remote IMM eSign Remote – This connector makes electronic signature easier with direct integration to our loan origination solution through IMM eSign. Document Management Kelley Blue Book Kelley Blue Book – This connector allows financial institutions to valuate vehicles based on retail, trade-in and wholesale prices, and automatically track those values within the system. Auto Book Value Lenders Protection Open Lending – Lenders Protection by Open Lending is a risk management program featuring default insurance coverage for near/non-prime automobile loans. Lenders Protection allows financial institutions and other automobile lenders to model their specific overhead and funding costs and set desired ROA target for their insured portfolio. The result is a profitable auto loan portfolio with carefully managed pricing and risk characteristics. Insurance LSI Lending Solutions Inc – This connector allows applications submitted through Lending Solutions to be transmitted via a secure channel to the system for evaluation. Indirect Lending NADA NADA – This connector allows users to input vehicle specifications and receive book value information in real-time. Auto Book Value OFAC Luxor Technologies, Inc. – This connector provides integration with OFAC Scope scanning products from Luxor Technologies, Inc. With this tool, financial institutions can ensure their account holders are free of fraudulent links to illegal activities tracked by the US and international governments. Fraud Detection PSCU PSCU – This connector enables institutions to access additional credit card information for accounts. Users can choose from PSCU’s standard option or their Data eXchange, which offers real-time information. Third-Party Credit Cards PSCU Lending PSCU – For those institutions contracting with FDR, this connector provides a database extract which complies with the standards required by FDR. When a credit card is disbursed, it is automatically included in the next extract run and sent via a secure connection to FDR for card creation. Data Extracts RouteOne RouteOne – The connector allows dealer applications submitted through RouteOne to be seamlessly transmitted to/from the system for evaluation. Indirect Lending SWBC Payments SWBC – This connector provides direct integration to SWBC’s payments tool for highly secure and efficient electronic ACH and credit card transactions. Payment Processing SWBC Unity SWBC – This connector allows financial institutions to quote, book, and process documents for debt protection, GAP, and Mechanical Breakdown Insurance from SWBC within the system. Insurance SystemWare Systemware – This connector provides institutions with the ability to electronically archive loan documents into an intuitive folder structure. Document Management TransUnion Luxor Technologies, Inc. – This connector retrieves and stores credit report information from TransUnion. Credit Report uOpen Finastra – This connector establishes a secure connection between the system and the uOpen platform which encompasses all of Finastra’s integration products. These products enable indirect sources to transmit and receive loan application data with financial institutions. Data Extracts Temenos Origination Connectors Correlation Fiserve Jack Henry Finastra Temenos Keystone Datasafe DNA Spectrum XP2 Symitar Epysis UltraData Temenos Transact 70% Auto-decisioning for consumer loans Days Not months to launch new loan products 75% Auto-decision rate for new credit card app Connector Description Type Allied iQQ Allied Solutions – This connector provides access to Allied’s cutting edge online quoting software, Internet QuickQuote (iQQ), to present the cross-sell GAP and MBP options. Insurance ApplicationXtender MetaSource – This connector allows documents attached to a loan application to be archived and stored with ApplicationXtender. Document Management Car Solutions Car Solutions – The Car Solutions connector provides financial institutions with the ability to present and cross-sell GAP and MBP products directly through the loan origination solution. Insurance CO-OP Co-Op Financial Services – This connector allows provides institutions to create new accounts, print and activate credit cards onsite, increase existing credit limits, and add authorized users during account creation. Data Extracts Credit Reporting Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Experian, Equifax and/or TransUnion through a third-party credit reporting service. Credit Reporting CUDL CUDL – This connector allows dealer applications submitted through Credit Union Direct Lending (CUDL) to be seamlessly transmitted to/from the system for evaluation. Indirect Lending CUNA Loan Calculator CUNA Mutual Group – This connector allows institutions utilizing credit insurance and/or debt protection to calculate payment, term, and balloon amounts. Calculator CUNA Protection Advisor Expert CUNA Mutual Group – This connector is an integrated web calculator that supports real-time GAP and MBC quoting from within the loan origination solution. Insurance Dealertrack Dealertrack – This connector allows dealer applications submitted through Dealertrack to be seamlessly transmitted to/from the system for evaluation. Indirect Lending DocuSign DocuSign – This connector makes electronic signature easier with direct integration to our loan origination solution. Document Management Equifax Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Equifax. Credit Reporting Experian Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Experian. Credit Reporting Experian Application Export Experian – This connector provides a tool to generate an export for when Performance Insight and Risk Based Pricing services are provided by Experian. Experience takes and analyses application and performance data from the system and provides feedback to the FI, which enables the FI to better understand its decision model. Data Extracts Experian Instant Pre-screen Experian – This connector allows originators to trigger a search of Prescreen offers for the applicant. If applicants elect to take advantage of offers, the application process can bypass credit processing and underwriting to fulfill and fund the offers based on the rate and terms of the offer. Unused offers are saved as Promotions in the Loan Origination system for future application. Cross-Selling Experian Precise ID Experian – This connector provides the ability to interface with Experian’s Precise ID and Knowledge IQ products for identity checks and fraud verification based on pre-defined business logic. Fraud Detection FirstClose FirstClose – This connector provides access to the FirstClose ONE platform of solutions allowing financial institutions the ability to order and process real estate services, such as appraisal, automated valuation, closing, flood certification, property condition report, recording, tax service, title search, valuation, and verification directly within Temenos Temenos Digital. Real Estate Services FIS BASE2000 FIS – This connector provides a database extract which complies with the standards required by FIS/Certegy. When a credit card is disbursed, it is automatically included in the next extract run and sent via a secure connection for card creation. Data Extracts FIS ChexSystems FIS – This connector provides resources to verify applicants through the use of the ID Verification (IDV) and ID Authentication (IDA) products. Additionally, a QualiFile product is available which provides customer scoring and risk segmentation during the account origination process. Fraud Detection FIS TBS FIS – This connector allows credit card fulfillment requests and updates information to be easily transferred daily, in a batch format, from the system to TBS. Data Extracts Frost Financial Frost Financial- this new connector fully integrates Frost Financial’s VisualGAP web services interface to enable the ability to seamlessly present the protection products offered during the loan application process. Indirect Lending HMDA HMDA – This connector enables institutions to extract data in a format that is compliant for input into the government HMDA reporting system. Data Extracts HYLS HYLS – This new integration calculates a high yield lending strategy (HYLS) score for each applicant on an application based off of a series of questions and answers regarding applicant data. Decisioning IDology IDology – This connector uses ExpectID technology to create a more satisfying account or loan origination experience by allowing applicants to capture data directly from their driver’s license or other personal identification instead of having to type it in. This secure and convenient process not only saves time but also reduces the chance that an application is abandoned. Fraud Detection IMM IMM – This connector offers users improved productivity by automating the processes between the host system and document storage, as well as providing ancillary products for e-signatures, secure email and fax delivery and storage, and integration into archive systems. Document Management IMM eSign Remote IMM eSign Remote – This connector makes electronic signature easier with direct integration to our loan origination solution through IMM eSign. Document Management Kelley Blue Book Kelley Blue Book – This connector allows financial institutions to valuate vehicles based on retail, trade-in and wholesale prices, and automatically track those values within the system. Auto Book Value Lenders Protection Open Lending – Lenders Protection by Open Lending is a risk management program featuring default insurance coverage for near/non-prime automobile loans. Lenders Protection allows financial institutions and other automobile lenders to model their specific overhead and funding costs and set desired ROA target for their insured portfolio. The result is a profitable auto loan portfolio with carefully managed pricing and risk characteristics. Insurance LSI Lending Solutions Inc – This connector allows applications submitted through Lending Solutions to be transmitted via a secure channel to the system for evaluation. Indirect Lending NADA NADA – This connector allows users to input vehicle specifications and receive book value information in real-time. Auto Book Value OFAC Luxor Technologies, Inc. – This connector provides integration with OFAC Scope scanning products from Luxor Technologies, Inc. With this tool, financial institutions can ensure their account holders are free of fraudulent links to illegal activities tracked by the US and international governments. Fraud Detection PSCU PSCU – This connector enables institutions to access additional credit card information for accounts. Users can choose from PSCU’s standard option or their Data eXchange, which offers real-time information. Third-Party Credit Cards PSCU Lending PSCU – For those institutions contracting with FDR, this connector provides a database extract which complies with the standards required by FDR. When a credit card is disbursed, it is automatically included in the next extract run and sent via a secure connection to FDR for card creation. Data Extracts RouteOne RouteOne – The connector allows dealer applications submitted through RouteOne to be seamlessly transmitted to/from the system for evaluation. Indirect Lending SWBC Payments SWBC – This connector provides direct integration to SWBC’s payments tool for highly secure and efficient electronic ACH and credit card transactions. Payment Processing SWBC Unity SWBC – This connector allows financial institutions to quote, book, and process documents for debt protection, GAP, and Mechanical Breakdown Insurance from SWBC within the system. Insurance SystemWare Systemware – This connector provides institutions with the ability to electronically archive loan documents into an intuitive folder structure. Document Management TransUnion Luxor Technologies, Inc. – This connector retrieves and stores credit report information from TransUnion. Credit Report uOpen Finastra – This connector establishes a secure connection between the system and the uOpen platform which encompasses all of Finastra’s integration products. These products enable indirect sources to transmit and receive loan application data with financial institutions. Data Extracts Interfaces Correlation Fiserve Jack Henry Finastra Temenos Keystone Datasafe DNA Spectrum XP2 Symitar Epysis UltraData Temenos Transact Days Not months to launch new loan products 75% Auto-decision rate for new credit card app Connector Description Type Allied iQQ Allied Solutions – This connector provides access to Allied’s cutting edge online quoting software, Internet QuickQuote (iQQ), to present the cross-sell GAP and MBP options. Insurance ApplicationXtender MetaSource – This connector allows documents attached to a loan application to be archived and stored with ApplicationXtender. Document Management Car Solutions Car Solutions – The Car Solutions connector provides financial institutions with the ability to present and cross-sell GAP and MBP products directly through the loan origination solution. Insurance CO-OP Co-Op Financial Services – This connector allows provides institutions to create new accounts, print and activate credit cards onsite, increase existing credit limits, and add authorized users during account creation. Data Extracts Credit Reporting Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Experian, Equifax and/or TransUnion through a third-party credit reporting service. Credit Reporting CUDL CUDL – This connector allows dealer applications submitted through Credit Union Direct Lending (CUDL) to be seamlessly transmitted to/from the system for evaluation. Indirect Lending CUNA Loan Calculator CUNA Mutual Group – This connector allows institutions utilizing credit insurance and/or debt protection to calculate payment, term, and balloon amounts. Calculator CUNA Protection Advisor Expert CUNA Mutual Group – This connector is an integrated web calculator that supports real-time GAP and MBC quoting from within the loan origination solution. Insurance Dealertrack Dealertrack – This connector allows dealer applications submitted through Dealertrack to be seamlessly transmitted to/from the system for evaluation. Indirect Lending DocuSign DocuSign – This connector makes electronic signature easier with direct integration to our loan origination solution. Document Management Equifax Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Equifax. Credit Reporting Experian Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Experian. Credit Reporting Experian Application Export Experian – This connector provides a tool to generate an export for when Performance Insight and Risk Based Pricing services are provided by Experian. Experience takes and analyses application and performance data from the system and provides feedback to the FI, which enables the FI to better understand its decision model. Data Extracts Experian Instant Pre-screen Experian – This connector allows originators to trigger a search of Prescreen offers for the applicant. If applicants elect to take advantage of offers, the application process can bypass credit processing and underwriting to fulfill and fund the offers based on the rate and terms of the offer. Unused offers are saved as Promotions in the Loan Origination system for future application. Cross-Selling Experian Precise ID Experian – This connector provides the ability to interface with Experian’s Precise ID and Knowledge IQ products for identity checks and fraud verification based on pre-defined business logic. Fraud Detection FirstClose FirstClose – This connector provides access to the FirstClose ONE platform of solutions allowing financial institutions the ability to order and process real estate services, such as appraisal, automated valuation, closing, flood certification, property condition report, recording, tax service, title search, valuation, and verification directly within Temenos Temenos Digital. Real Estate Services FIS BASE2000 FIS – This connector provides a database extract which complies with the standards required by FIS/Certegy. When a credit card is disbursed, it is automatically included in the next extract run and sent via a secure connection for card creation. Data Extracts FIS ChexSystems FIS – This connector provides resources to verify applicants through the use of the ID Verification (IDV) and ID Authentication (IDA) products. Additionally, a QualiFile product is available which provides customer scoring and risk segmentation during the account origination process. Fraud Detection FIS TBS FIS – This connector allows credit card fulfillment requests and updates information to be easily transferred daily, in a batch format, from the system to TBS. Data Extracts Frost Financial Frost Financial- this new connector fully integrates Frost Financial’s VisualGAP web services interface to enable the ability to seamlessly present the protection products offered during the loan application process. Indirect Lending HMDA HMDA – This connector enables institutions to extract data in a format that is compliant for input into the government HMDA reporting system. Data Extracts HYLS HYLS – This new integration calculates a high yield lending strategy (HYLS) score for each applicant on an application based off of a series of questions and answers regarding applicant data. Decisioning IDology IDology – This connector uses ExpectID technology to create a more satisfying account or loan origination experience by allowing applicants to capture data directly from their driver’s license or other personal identification instead of having to type it in. This secure and convenient process not only saves time but also reduces the chance that an application is abandoned. Fraud Detection IMM IMM – This connector offers users improved productivity by automating the processes between the host system and document storage, as well as providing ancillary products for e-signatures, secure email and fax delivery and storage, and integration into archive systems. Document Management IMM eSign Remote IMM eSign Remote – This connector makes electronic signature easier with direct integration to our loan origination solution through IMM eSign. Document Management Kelley Blue Book Kelley Blue Book – This connector allows financial institutions to valuate vehicles based on retail, trade-in and wholesale prices, and automatically track those values within the system. Auto Book Value Lenders Protection Open Lending – Lenders Protection by Open Lending is a risk management program featuring default insurance coverage for near/non-prime automobile loans. Lenders Protection allows financial institutions and other automobile lenders to model their specific overhead and funding costs and set desired ROA target for their insured portfolio. The result is a profitable auto loan portfolio with carefully managed pricing and risk characteristics. Insurance LSI Lending Solutions Inc – This connector allows applications submitted through Lending Solutions to be transmitted via a secure channel to the system for evaluation. Indirect Lending NADA NADA – This connector allows users to input vehicle specifications and receive book value information in real-time. Auto Book Value OFAC Luxor Technologies, Inc. – This connector provides integration with OFAC Scope scanning products from Luxor Technologies, Inc. With this tool, financial institutions can ensure their account holders are free of fraudulent links to illegal activities tracked by the US and international governments. Fraud Detection PSCU PSCU – This connector enables institutions to access additional credit card information for accounts. Users can choose from PSCU’s standard option or their Data eXchange, which offers real-time information. Third-Party Credit Cards PSCU Lending PSCU – For those institutions contracting with FDR, this connector provides a database extract which complies with the standards required by FDR. When a credit card is disbursed, it is automatically included in the next extract run and sent via a secure connection to FDR for card creation. Data Extracts RouteOne RouteOne – The connector allows dealer applications submitted through RouteOne to be seamlessly transmitted to/from the system for evaluation. Indirect Lending SWBC Payments SWBC – This connector provides direct integration to SWBC’s payments tool for highly secure and efficient electronic ACH and credit card transactions. Payment Processing SWBC Unity SWBC – This connector allows financial institutions to quote, book, and process documents for debt protection, GAP, and Mechanical Breakdown Insurance from SWBC within the system. Insurance SystemWare Systemware – This connector provides institutions with the ability to electronically archive loan documents into an intuitive folder structure. Document Management TransUnion Luxor Technologies, Inc. – This connector retrieves and stores credit report information from TransUnion. Credit Report uOpen Finastra – This connector establishes a secure connection between the system and the uOpen platform which encompasses all of Finastra’s integration products. These products enable indirect sources to transmit and receive loan application data with financial institutions. Data Extracts Correlation Fiserve Jack Henry Finastra Temenos Keystone Datasafe DNA Spectrum XP2 Symitar Epysis UltraData Temenos Transact A woman sits and holds a smartphone, looking at it with excitement. She’s outdoors, wearing a casual gray top and jeans, holding a fist in joy. Temenos Digital Account Origination Fact Sheet Learn more about Temenos Digital Account Origination for North American Credit Unions and Banks. View fact sheet Two people joyfully reach for colorful balloons while standing in a bright blue convertible under a clear sky, conveying a sense of freedom and adventure. Temenos Digital Loan Origination Fact Sheet Learn more about Temenos Digital Loan Origination for North American Credit Unions and Banks. View fact sheet