Temenos T24 Transact – Core Banking Software

The world’s best-selling, most functionaly rich core banking product used by over 1,000 banks in all sectors and geographies.

Product Overview

Temenos T24 Transact is a core banking system providing product definition, transaction processing, unparalleled operational scalability and functional depth for all retail banks, corporate banks and private bank and wealth managers.

Microservice Architecture

Temenos Transact is an integrated core banking system whose functionality is delivered using a number of independent Microservices. These allow banks to undertake progressive migration programs, delivering early business benefits by using standalone business capabilities which are delivered as Microservices but which also form part of an integrated solution. This architecture also allows banks to change the order of solution roll out as business priorities evolve.

Continuous Innovation

Temeneos Transact architecture enables banks to carry out progressive upgrades of the system at a Microservice level. This means that they can introduce new functionality quickly and on an ongoing basis, assisted by the Temenos Continuous Deployment service.

Product Factory & Catalog

Build, design and rapidly bring to market new products using a centralized product design tool, allowing you to gain valuable time and market share when new opportunities arise. Embedded analytics help product managers plan and deploy new products which are attractive to customers and profitable for the bank.


Temenos T24 Transact is a customer-centric system built around a single customer view that covers all product lines and channels, enhancing the ability of the bank to understand its customers’ needs and serve them. Embedded analytics provide customer insight and predictive sales and service assistance.

Accounts & Deposits

The system supports accounts and deposits varying from simple offerings to more sophisticated corporate DDAs with more complex features.

Open API’s

Temenos provides over 700 published open APIs covering all areas of the banking business. These are freely accessible from the financial and technology ecosystem to enable innovation and extend Temenos systems functionality.

Enterprise Credit

Enterprise credit facilities can be set up and monitored which cover a bank’s entire exposure to a corporate, including positions held in other systems.

Measurable Success

23 years

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 14 years – IBS Intelligence Sales League Table 2019


Largest client has 24 million accounts

ABN AMRO Success Story - Amsterdam Netherlands

“Without the Temenos platform, we could not have done business.”

Changez Jan, Head of Operations, Singapore – ABN-AMRO 
read success story

Why Temenos T24 Transact?

Why Temenos Transact - Girl holding world

The World’s Favorite Core Banking Package

For 25 years, Temenos has been supporting banks across all sectors with our best-selling core banking system. Banks and financial institutions of all sizes use the same software to provide outstanding products and services to their customers.

Why Temenos Transact - Man holding futuristic phone

The Next Generation in Core Banking

Temenos T24 Transact takes the deep and extensive banking capabilities of T24 Core Banking and re-platforms them onto a new, cloud-native, cloud-agnostic technology. This allows banks to take advantage of the agile scalability, security and lower operational costs that the cloud provides while continuing to be able to upgrade to the latest release of the software.

Why Temenos Transact - Man working on multiple screens

The Broadest & Deepest Functionality in the Market

Temenos consistently invests over 20% of its revenue back into R&D, resulting in a banking system of unparalleled functional depth and breadth. The inherently upgradeable nature of the software means that all customers benefit from this ongoing investment, as we plan to invest a further $1.1B from 2019-2024.

Woman looking at analytics

Embedded Analytics

Temenos Embedded Analytics provide contextually-relevant, real-time help when serving customers and designing new products. They are used to examine previous behavior and provide predictive insights to guide decision-making, recommendations, and design assistance.

Customer Success Stories

ACCU – Success Story

Asian Confederation of Credit Unions (ACCU) provides technology services to over 26,000 finance companies. Today, it focuses on helping members to roll out digital packages that make it simple, quick…

ACLEDA – Success Story

ACLEDA started life providing credit to small and medium-sized businesses operated by victims of war in Cambodia. Following a strategic shift, ACLEDA entered the banking market, and implemented Temenos T24…

Al Khaliji Bank – Success Story

Established in 2007, Al Khaliji Bank has enjoyed a meteoric rise to become one of Qatar’s leading financial institutions, but such rapid progress has led to complex, inefficient processes and…

O Bank Success Story - New Taipei City, Taiwan Coastline

“We are a digital-native bank and Temenos has enabled us to redefine banking – use internet as our branches. That’s why we choose T24, the top digital core banking platform supporting us to offer the best innovative customer experience.”

Tom Lin, Executive Vice President – O-Bank
read success story

You’re in Good Company

Temenos Platform

Cloud-Native, Cloud-Agnostic

Lower costs with the elastic scalability, security, and control you need to shape your business.

APIs & Extensibility

Innovate faster with access to over 700 open APIs in the largest FinTech ecosystem.

Microservices & Containers

Microservice architectures enable continuous application upgrades and cloud scalability.

Distributed Database

Achieve true horizontal scalability in the database layer and operate on an active-active basis across multi-cloud.

Temenos Continuous Deployment – DevOps

Reduce cost and shorten software release cycles – code in the morning, deploy in the afternoon.

Security & Immutable Logging

Protect your bank from modern digital threats with the highest levels of security.

AI & Machine Learning

Explainable AI enables transparency into automated decisions and provides intelligent banking by growing revenues, cutting costs and enhancing the customer experience.

White Paper

Your Growth Your Way Ebook

It’s important that every financial institution create a unique, achievable path to growth, based on its individual culture, technology and customers. Download the ebook to learn how your financial institution can grow in a way that is right for you.

White Paper

Open Banking: A shared opportunity

Open banking which is based on data sharing, is an unlikely short-lived trend and is gaining momentum in Asia Pacific. In this white paper, a joint venture by Microsoft, Linklaters and Accenture, explores the various drivers behind open banking in Asia Pacific, as well as the challenges financial institutions and regulators will have to address to ensure all participants can reap the benefits.

Latest News

Upcoming Events

Industry Event


Temenos is a gold sponsor at the MEFTECH KSA
Industry Event

NICSA 2020

Temenos is a proud sponsor and exhibitor at NICSA’s 2020 Strategic Leadership Forum. Join us in Florida to address the industry’s most important issues head on.

JIFS Breakfast Seminar – Jamaica

TEMENOS is proud to be sponsoring the JIFS (Jamaica Institute for Financial Services) Breakfast Seminar: “Women in Finance” – Empowered for Success.

Want to Get Started?

Get in touch or download our brochure.