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Digital for Business Banking

Empower your SME customers with seamless banking, faster access, and data-driven insights.

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Deliver consistent and meaningful experiences to drive long-term loyalty

Power a seamless and efficient banking experience with real-time account access, automated transactions, and personalized financial insights. Temenos Digital for Business allows you to improve overall operational efficiency for growth and scalability.

Increase customer acquisition and retention

By offering intuitive digital experiences and personalized support, banks can build stronger relationships with SMEs, increasing customer loyalty and reducing churn. Temenos Digital for Business provides SMEs with seamless onboarding, self-service options, and tailored financial solutions, making it easier for businesses to open and manage accounts.

Operational and cost efficiencies

Automate manual processes such as account opening, loan approvals, and transaction processing, designed to significantly reduce paperwork and operational overhead. By shifting from branch-based operations to digital-first interactions, you can serve more SMEs efficiently while optimizing resource allocation and improving overall cost efficiency.

Customer engagement and loyalty

By offering robust cash management capabilities, position your organization as a valuable financial partner, encouraging SMEs to consolidate more of their banking activities with you. Our solution equips SMEs with real-time cash flow forecasting, automated payment scheduling, and intelligent financial planning tools. These features help businesses maintain liquidity, avoid cash shortages, and optimize working capital.

Unlock revenue streams

Unlock new revenue streams by providing SME-focused financial solutions, including digital lending, automated cash management, asset finance and payment services. Profitability can increase through transaction fees and interest income from loans. Offering value-added services such as financial advisory tools creates additional monetization opportunities, strengthening your proposition in the SME sector.

Key features of Temenos Digital for Business Banking

Discover how Temenos’ Digital for Business Banking helps banks to streamline processes, enhance customer engagement, and drive growth with key innovative features.

Seamless onboarding

Digitize the customer journey with complete digital onboarding and relationship-building processes.

Omnichannel banking

Frictionless mobile, web, and branch experiences with secure banking, customized roles, and approval flows.

Flexible and agile origination

Fully digital experience with seamless channel transitions, AI-driven underwriting, and enhanced efficiency.

Proven self-service capabilities

Enable self-service, gain insights, and connect marketing, sales, and customer management.

Drive lending experiences

Optimize lending with configurable workflows, automated processing, and tailored approval rules.

Tailored insights

Build trust and drive cross-selling with AI-driven insights and personalized offerings.

Real results

Explore all success stories

We’re impressed with the growth we have seen since we implemented Temenos Digital. We are seeing up to 1,000 new accounts opened every day.

Addis Tadesse
Director for Application Management at Bank of Abyssinia

Explore Bank of Abyssinia's story

We were impressed with the focus on research and development at Temenos, which ensures we have access to leading-edge capabilities and avoid doing our own development work and upgrades. Using pre-built solutions from Temenos would also simplify deployment and shorten time-to-value.

Jeff Wright
Group Head, Client Solutions and Specialty Businesses at Canadian Western Bank

Industry recognition

Temenos Recognized by IBS Intelligence as #1 best-selling banking software in eight categories

IBS Intelligence’s annual Sales League Table 2023 evaluated more than 1500 banking industry deals in 2023, identifying the best-selling propositions across numerous categories.

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Frequently asked questions

In this section, you’ll find answers to some of the most common queries about Temenos Digital 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 digital onboarding, cash flow management, automated payments, AI-driven credit underwriting, real-time analytics, API integrations, omnichannel banking, and multi-user access with role-based controls.

An omnichannel banking experience ensures consistency across mobile, web, API-driven integrations, and branch interactions. Businesses can manage accounts, apply for loans, and make transactions seamlessly across multiple touchpoints.

Banks can leverage advanced security protocols, including multi-factor authentication and end-to-end encryption to safeguard transactions and customer data.

Modern digital banking platforms like Temenos Digital offer API-driven architectures, enabling seamless integration with core banking systems, payment gateways and third-party fintech solutions for an interconnected financial ecosystem.

AI enhances decision-making by analyzing transaction patterns, assessing credit risk, and providing predictive insights. Automation streamlines processes such as loan approvals, fraud detection, and customer support, improving efficiency and reducing operational costs.