Resource Type: Report

Komerční Banka Wins Celent Model Bank Award for Core Banking Innovation with Temenos

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Product Innovation with Digital Core Modernization

While many banks have started down the path of digital transformation, only a very few established large banks have fully completed the transition from legacy systems and manual-driven processes to becoming truly customer-centric, data-led, agile digital banks.

Komerční Banka (KB), which is part of Société Générale, is one of them.

By modernizing from a legacy mainframe system to a real-time, cloud-native core, KB has created a new, fully digitalized platform and successfully migrated more than 1.3 million customers.

This transformation has enabled the bank to deliver a fully digital proposition, strengthen digital sales, improve customer satisfaction, and create a scalable platform for future growth.

Alongside this, KB has delivered market-leading product innovation, including a market-leading multi-currency account that has become a core part of its retail customer proposition.

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Technology Trends Redefining Banking

An overview across banking segments

Banks today face mounting pressures: rising customer expectations, regulatory scrutiny, increasing cyber threats, and the relentless pace of innovation. The institutions pulling ahead are those that treat technology as a strategic asset, not an operational burden.

Trends report

This report helps banking leaders understand:

  • The technology trends delivering the greatest impact across segments
  • How generative and agentic AI are transforming productivity, workflows, and customer outcomes
  • Why modern, cloud‑native, composable platforms are now essential foundations for growth
  • How leaders are increasing share of wallet, improving cross-sell, and using real-time, AI-driven capabilities to grow in areas such as DeFi and Payments

In collaboration with Bain & Company, this report brings together industry research, market insights and Temenos Value Benchmark data to give banking leaders an evidence-based view of the trends shaping their banking segments, across technology, retail and business banking, corporate and commercial banking, wealth management and payments. It is designed to support practical, informed decision‑making, grounded in what has been shown to drive value.

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Explore segment trends

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Technology

Technology Trends
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Retail & Business Banking

Retail & Business Trends
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Corporate & Commercial Banking

Corporate & Commercial Trends
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Wealth Management

Wealth Management Trends
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Payments

Payments Trends
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Meet the Experts

Performance Benchmark Report 2025

Banks need systems that are fast, secure, scalable and AI driven, as well as sustainable. Check out our latest report with Microsoft, where we put the Temenos Banking Platform to the test again.

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Elastic scalability for core banking goes beyond maximizing performance. To help banks meet the growing importance of carbon-conscious computing in banking, the Temenos Performance Benchmark 2025 provides insight into how high transaction performance can be delivered with a reduced carbon footprint.

As banks increasingly adopt AI for financial crime mitigation, application development, and operational efficiency, we’ve also integrated AI workloads into the 2025 benchmark. This allows us to test scalability and performance, helping banks understand the infrastructure and capabilities needed to run these advanced applications reliably and efficiently in real-world environments.

Each year, Temenos conducts a production-grade simulation in collaboration with key partners to validate the latest release of the Temenos Banking Platform in a real-world, production-like environment (see 2024 benchmark). This rigorous test pushes the boundaries of elasticity, transaction throughput, response times, efficiency, and sustainability.

What you’ll discover

i1

Delivering significant efficiency and decarbonization, we achieved a notable 17,000+ transactions per second (TPS).

 

i2

As banks increasingly adopt AI for financial crime mitigation, we integrated AI workloads into the 2025 benchmark.

i3

How we have enhanced performance through more efficient code and the use of Azure ARM Cobalt chipsets.

i4

Essential insights into how banks can meet evolving sustainability standards and advance their ESG commitments.

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Benchmark partner

Temenos logo ft Microsoft

Microsoft Azure

In 2011, Temenos and Microsoft were the first in the industry to bring core banking to the cloud. Today, the partnership supports financial institutions that leverage the cloud around the world. The combination of Temenos SaaS and the Azure Cloud Platform enables banks to leverage modern and trusted cloud technology that can live up to specific requirements across regions, including data regulation, security, and compliance.

Explore the results and take the next step toward the future of banking.

Discover how a faster, more secure, scalable, AI-driven, and sustainable banking platform can transform your financial institution.

Learn more about Temenos Technology

Learn how we empower our clients to benefit from continuous innovation, driven by our market-leading R&D investment in our single code base.

Explore our technology
ai
footprint

Temenos Sustainability Benchmark Report 2024

The 2024 benchmark is centered on delivering significant efficiency and decarbonization, achieving a notable 15,000 transactions per second (TPS).

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IBSi SLT: Temenos #1 for Core Banking for 20 years

Temenos has been recognized as the #1 best-selling software provider in 13 categories in the IBSi Sales League Table 2025, being named #1 for Core Banking for the 20th consecutive year.

The IBS Intelligence Annual Sales League

An annual benchmarking exercise, which has been running for over 24 years and is based on the number of new customer contracts signed in a calendar year. The SLT is recognized as the barometer for financial technology providers’ sales performance across the banking industry.

In 2025, Temenos ranked #1 in the following categories:

  • Universal Banking – Core
  • Digital Banking and Channels
  • Payments – Retail
  • Private Banking and Wealth Management
  • Risk Management
  • Treasury and Risk Management
  • Digital Only Banks
  • Datawarehouse & BI
  • Islamic Banking – Universal Banking – Core
  • Islamic Banking – Risk Management
  • Islamic Banking – Payments – Retail
  • Islamic Banking – Wholesale Banking Treasury
  • Islamic Banking – Digital Banking and Channels

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Challenging the challengers: Europe’s banks face the competition

Download the Economist Impact report today

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Komerční Banka Wins Celent Model Bank Award for Core Banking Innovation with Temenos

Download the case study

Product Innovation with Digital Core Modernization

While many banks have started down the path of digital transformation, only a very few established large banks have fully completed the transition from legacy systems and manual-driven processes to becoming truly customer-centric, data-led, agile digital banks.

Komerční Banka (KB), which is part of Société Générale, is one of them.

By modernizing from a legacy mainframe system to a real-time, cloud-native core, KB has created a new, fully digitalized platform and successfully migrated more than 1.3 million customers.

This transformation has enabled the bank to deliver a fully digital proposition, strengthen digital sales, improve customer satisfaction, and create a scalable platform for future growth.

Alongside this, KB has delivered market-leading product innovation, including a market-leading multi-currency account that has become a core part of its retail customer proposition.

Download the case study

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Challenging the challengers: Europe’s banks face the competition

Download the Economist Impact report today

Download Report

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Challenging the challengers: Europe’s banks face the competition

Download the Economist Impact report today

Download Report

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Challenging the challengers: Europe’s banks face the competition

Download the Economist Impact report today

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Challenging the challengers: Europe’s banks face the competition

Download the Economist Impact report today

Download Report

Scrappy fintech firms and neobanks took the lead in using new technologies to provide better customer experiences, reach underserved markets. Now Europe’s traditional banks are fighting back.

  • New research from Economist Impact finds that European banks are more likely than other regions to expect neobanks to be their biggest competitors in the next five years – 35% in Europe compared to 25% globally.
  • However, payment players (36%) and technology providers (36%) continue to be top of mind, with payments being the space where European banks predict that new entrants will gain the most market share.
  • European banks are emulating the way that new entrants have used technology to reach new and existing customers and support them in managing their personal finances.
  • Over one in five see moving to public cloud as a strategic priority to ensure that their operations are agile and secure.

To learn more about the latest banking trends in Europe download the Economist report today!


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Challenging the challengers: Europe’s banks face the competition

Download the Economist Impact report today

Download Report

Temenos Highwater Benchmark Report

At Temenos, we see our customers building a successful business model around BaaS. Being able to provide financial services, like accounts or loans to brands in Retail and commercial businesses opens a far larger audience. But, with the rapidly rising popularity of embedded finance and BaaS, performance factors come into play: Massive scalability for any transaction volume.

 

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Supporting the needs of future banking models

To test the needs of accelerating embedded finance models, we defined the benchmark test scenario for 2023. Th scenario simulates a larger Retail bank that launches a BaaS proposition to open the door to 50 brands. The hypothesis for this benchmark was to support all these banking models on an instance of software on a single platform, processing a representative transaction mix.

 

Benchmark Partners

Microsoft Azure

In 2011, Temenos and Microsoft were the first in the industry to bring core banking to the Cloud. Today, the partnership supports financial institutions that leverage the Cloud around the world. The combination of the Temenos Banking Cloud and the Azure Cloud Platform enables banks around the world to leverage modern and trusted Cloud technology that can live up to specific requirements in regions, including data regulation, security, and compliance.

MongoDB

Temenos and MongoDB joined forces in 2019 and are on the quest to service the widespread, specific, and strict data requirements that banks need. As Temenos provides its platform for banks around the globe, MongoDB is the trusted partner with a developer data platform that enables financial institutions to innovate faster and build modern applications.

HID

HID provides pre-integration solutions that facilitate integrations and customization with the Temenos Banking Platform. The solutions include identity verification, authentication and real-time risk management for true fraud prevention with a clear focus on offering the best security without compromising on user experience. HID has been a trusted Temenos partner for over 15 years and powers trusted identities of millions of people in more than 100 countries.

View the Highwater benchmark video

Tony Coleman, CTO at Temenos presents the Temenos Highwater Benchmark results.

 

Explore the benchmarks


Benchmark 2023 press release

Temenos processed 200 million embedded finance loans and 100 million retail accounts at a record breaking 150,000 transactions per second on Microsoft Azure with MongoDB database.


Temenos Banking Cloud

The trusted SaaS for 700+ banks around the world. Through the Temenos Banking Cloud, our clients can deliver new services, new features, and changes in an exceptionally short time to market.

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Learn more about the Temenos Banking Cloud

Contact us to learn more about the Temenos Banking Cloud and how scalability can help you reach new audiences, efficiencies and drive sustainability.

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Challenging the challengers: Europe’s banks face the competition

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Download Report

Looking for the latest IBS 2025 report?

Temenos Recognized by IBS Intelligence as #1 best-selling banking software in 13 categories

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IBS Intelligence’s annual Sales League Table 2023 evaluated systems purchases made by over 1000+ banks across 134 countries and 57 suppliers, Temenos was ranked:

  • #1 core banking system for the 18th year
  • #1 digital banking and channels
  • #1 Payments Systems (retail)
  • #1 risk management system with Temenos Financial Crime Mitigation
  • #1 Islamic Universal Core Banking
  • #1 for Digital-only Banks
  • #1 for Treasury & Risk Management
  • 1 for Islamic Banking (Risk Management)

Download the report here:

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Challenging the challengers: Europe’s banks face the competition

Download the Economist Impact report today

Download Report

Looking for the latest IBS 2025 report?

Temenos Recognized by IBS Intelligence as #1 best-selling banking software in 13 categories

Download 2025 report

IBS Intelligence’s annual Sales League Table 2022 evaluated systems purchases made by over 1000+ banks across 134 countries and 60 suppliers, Temenos was ranked:

  • #1 core banking system for the 17th year
  • #1 digital banking and channels with Temenos Infinity for the fifth consecutive year
  • #1 retail payments systems with Temenos Payments
  • #1 risk management system with Temenos Financial Crime Mitigation
  • #1 Islamic Core Banking
  • #1 for Neo Banks & Challenger Banks

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Challenging the challengers: Europe’s banks face the competition

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Our last episode of the year of our Technovela “Casa de Temenos” takes place in Miami, where Silvia Pavlovic – HR Manager, Temenos Latam & Caribbean tours us around the new Temenos offices in Miami, FL. She also shows us around her favorite places in the lively and artsy city of Miami like Wynwood Walls and Downtown Miami. We hope you have a special festive season with your loved ones and please stay tuned for our upcoming 2021 episodes. TO BE CONTINUED…

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Challenging the challengers: Europe’s banks face the competition

Download the Economist Impact report today

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Rising demand for digital has made competition between incumbent and challenger banks more intense than ever. But who is winning the battle for consumers, and in what areas?

Temenos and the Economist Intelligence Unit have sought the answers in a groundbreaking new report “Customer experience: learning from online personal finance conversations”. This used machine learning to analyze over 10 million online conversations about personal finance.

Key findings include:

  • Challenger banks are strongly associated with financial empowerment, but also twice as likely to be associated with security and privacy concerns when compared to traditional banks. 
  • Traditional banks retain strong associations with trustworthiness, a wider range of services and perks such as loyalty programs.
  • ‘Financial services’ is a far bigger field than before. Open banking regulations are allowing third parties to build innovative financial products and assist customers in many more areas of their financial lives.

The report concludes that customer experience and engagement including personalization is top priority for challengers and incumbents alike. A deep understanding of customer behavior and industry trends is an essential step for any financial player, new or old.

The insights provided by this report complement the EIU and Temenos’ survey of over 300 leading banking executives on the future of their industry earlier this year.

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