As the banking landscape across West Africa continues to evolve, Bridge Bank Group is investing in the technology needed to support its long-term growth ambitions. With operations in Côte d’Ivoire and Senegal, and plans to expand into two additional countries, the bank is focused on building an integrated platform capable of supporting its regional strategy.

According to Amos Konlambigue, Group Chief Transformation and Technology Officer, selecting the right technology partner was an important step in preparing the bank for the future.

Responding to a changing banking landscape

For Bridge Bank, transformation is being driven by significant changes across the financial services industry.

“The West African banking sector is driven by three forces,” says Amos. “The first one is the customer expectation. They don’t want a branch-centric product. They want a real-time product and they want accessibility 24/7.”

Alongside changing customer expectations, Bridge Bank is also responding to increased competition from new fintech entrants and an evolving regulatory landscape that is creating new opportunities across the region.

These shifts are helping shape the bank’s strategy as it looks to expand its footprint and reach new customer segments.

Choosing a platform built for the future

Having worked with Temenos for more than a decade, Amos has seen the Temenos Core platform evolve alongside the banking industry.

Beyond the platform itself, the bank valued Temenos’ commitment to continuous innovation.

“One important thing to mention is the product roadmap that Temenos gives to all clients to migrate to new releases and get the most from each new version”, says Amos. He also highlights the scalability of the solution and the strength of the Temenos partner ecosystem as important factors in the bank’s decision.

Enabling regional growth

As Bridge Bank looks to expand its footprint across Africa, technology will play a central role in supporting that vision.

“The Temenos capabilities that we expect are currently aligned with our group strategic vision to build a strong and integrated banking platform across the African region,” says Amos.

In particular, the platform’s multi-entity, multi-jurisdiction, and multi-time-zone capabilities align closely with the bank’s regional expansion strategy.

Amos notes, “There is a strong API integration that allows the platform to communicate with other satellite platforms that the bank has launched, opening multiple channels to our clients.”

As Bridge Bank continues its growth journey, it is building on a technology foundation designed to help the bank adapt to changing market dynamics while supporting its ambition to create an integrated banking platform across Africa.

alrajhi bank’s journey began in 1957 as a currency conversion company in Riyadh. Today, alrajhi is the largest Islamic bank in the world, serving more than 20 million customers through +500 branches and with assets exceeding SAR 1 trillion (US $267B).

But maintaining leadership in one of the world’s fastest-evolving banking markets requires constant reinvention.

A market demanding more, and faster

The bank has had to respond to a significant demographic shift in Saudi Arabia. A younger, digitally native generation now makes up a growing share of the customer base, and their expectations are uncompromising. They expect banking to be instant, intuitive, personalized and fully digital. At the same time, Vision 2030, Saudi Arabia’s national transformation program, is accelerating financial inclusion and the digitalization of services across the Kingdom.

New entrants, including digital-native banks and fintechs, are raising expectations even further with faster innovation cycles and highly personalized experiences.  For an institution of alrajhi ’s scale and heritage, the challenge was not only to keep pace, but to continue leading, while maintaining the governance, trust, and Islamic principles that define the bank.

For customers, that meant faster access to products, seamless digital journeys, and experiences that could evolve as quickly as their expectations.

In practice, this required the bank to launch new products more rapidly, support richer digital experiences, expand open banking integrations, and innovate at a pace legacy systems could no longer support.

A new chapter for an established partnership

The bank’s partnership with Temenos is not a new one. alrajhi bank was an early collaborator in shaping Temenos’ Islamic banking capabilities, helping inform some of the platform’s foundational Islamic banking functionality.  This latest transformation builds on that foundation, taking the bank’s core banking capabilities into a new era.

When alrajhi initiated a formal selection process to modernize its core banking platform, the criteria extended far beyond technical capability. The bank needed a partner with a proven track record supporting tier-one global institutions, a strong local and regional presence, and a genuinely Sharia-compliant solution.

Temenos met all three. Having used Temenos for Islamic Banking solutions for several years, alrajhi bank expanded an established relationship built on shared experience and deep banking knowledge.

Equally important was the prospect of platform ownership. From the outset, the goal was clear: alrajhi would build the internal capability to fully own, configure, and evolve its platform independently.

A phased transformation built for seamless scaling

Implementation began with a deliberate departure from convention. With more than 20 million customers relying on the bank’s services every day, a big-bang go-live was never considered viable. Instead, alrajhi adopted a phased, iterative approach, segment by segment.

The bank is now fully live on Temenos Core across its entire lending portfolio, covering retail, micro, small business, and corporate products. Crucially, the transition happened without disruption to customers or employees. Services continued seamlessly while the transformation progressed in the background. For customers, the modernization was largely invisible, except in the form of faster services, quicker product availability, and improved digital experiences.

Early in the program, implementation partners supported the bank in building its delivery model, transferring knowledge and developing internal capability. The transition was intentionally structured, resulting in alrajhi independently maintaining and operating the platform with no reliance on external parties for day-to-day operations or product configuration.

“We had a very smooth handover and knowledge transfer. Currently we are maintaining the platform 100% from our side.” Moataz Gad, Core Banking Head at alrajhi bank

Enabling first-mover advantage

The move to Temenos Core has fundamentally changed how alrajhi  brings products and services to market. What once required extensive development effort and weeks or months of lead time can now be configured and launched in days.

The platform’s flexibility allows internal teams to operate as an innovative engine, responding directly to evolving customer expectations and business opportunities without dependency on external vendors or lengthy implementation cycles. In a market where customer expectations evolve rapidly, this speed has become a critical competitive advantage.

While the immediate transformation focused on lending, the bank is extending Temenos Core into additional areas of the business. The platform also provides the foundation for alrajhi ’s customer-facing super-app, widely recognized as one of the most comprehensive digital banking experiences globally.

“We have become a solutions factory, we are able to build in-house what customers and businesses need.”  Moataz Gad, Core Banking Head at alrajhi bank

A partnership that continues to evolve

The relationship between alrajhi and Temenos has never been purely transactional. From contributing to the evolution of Islamic banking capabilities over the years to navigating a complex, multi-year transformation program, the relationship has been defined by continuity, transparency and shared ambition.

Looking ahead, alrajhi is planning an upgrade to the latest Temenos release and assessing the next evolution of its technology architecture for the decade ahead. The bank is also closely monitoring developments in AI and exploring how emerging technologies can further enhance customer experience, operational agility and innovation. 

Moataz notes, “Temenos has been a trusted partner in our evolution as a leading Islamic bank. Its Islamic banking capabilities have enabled us to modernize while preserving the principles that define our business, helping us innovate faster and deliver better experiences for our customers.”

For alrajhi bank, this transformation represents far more than a technology modernization program. It is the foundation for serving the next generation of customers, with the speed, convenience, personalization and digital experiences they increasingly expect, while maintaining its position as the world’s leading Islamic bank.

Tamweel Aloula operates under the regulatory framework of the Saudi Central Bank to deliver critical auto leasing, personal finance, and small business credit solutions.

Maintaining agility in a rapidly evolving market uncovered significant technical boundaries. The institution was operating on a fragmented technology landscape, forced to build complex workarounds on top of a legacy core environment. This outdated infrastructure made it difficult to develop new products, directly hindering the company’s business mission and its ability to meet strict Saudi regulatory requirements.

To overcome these challenges, Tamweel Aloula required a structural overhaul, moving away from legacy constraints toward a modern orchestrated architecture. To secure a platform engineered for high-volume finance, Tamweel Aloula initiated a rigorous six-month evaluation process. The selection criteria assessed functional coverage, a five-year total cost of ownership (TCO) projection, partner ecosystem maturity, and proven experience supporting Saudi regulations and Sharia-compliant financing structures. After the evaluation, Tamweel Aloula determined that Temenos satisfied all of the selection criteria through Temenos Core Banking, Temenos Digital, and Temenos Advanced Collection solutions.

Managing transition risks through dual-system agility

Tamweel Aloula worked to design by their internal team an orchestrated platform layer supported by middleware to integrate their digital platform with current legacy system and they worked with Systems Limited to implement new Temenos Digital, Temenos Core Banking and Advanced Collection. This architecture was specifically designed to allow the team to move flexibly between two systems – the legacy environment and the new Temenos Core. This dual-system approach provided the necessary buffer to avoid business disruption while maintaining operational resilience throughout the transition.

Tamweel Aloula approached the 18-month implementation project with a clear mandate to prioritize out-of-the-box configuration, speed, and automated straight-through processing (STP). The technical delivery culminated in a successful live launch of the personal loan MVP in March 2026.

This achievement relied on close collaboration between Temenos, Systems Limited, and Tamweel Aloula’s internal IT department who independently managed the underlying infrastructure, developing Digital Onboarding Platform, quality assurance, end-to-end testing, and business analysis.

Frictionless customer experiences

The live deployment of Temenos solutions has transformed Tamweel Aloula’s application journey. Eligible digital customers can now apply for personal finance, complete credit verification, accept the lending offer, and sign their contract and promissory note in four minutes, enabled by a fully integrated ecosystem built on Temenos Core Banking and Tamweel Aloula’s digital platform, and connected to third-party services including Credit Decisioning, AML screening, Commodity Broker, Digital Signature, Promissory Note and Others systems.

This rapid turnaround has fundamentally reshaped the customer experience, turning a traditionally time-consuming financial screening process into a smooth digital interaction. The platform’s integrated collections capabilities also provide a single source of truth for risk management and payment processing, eliminating many of the fragmented workflows that existed previously.

Scaling the roadmap across retail and SME segments

With its personal loan first release live and stable, Tamweel Aloula is preparing for its next major phase of transformation. The next milestone will bring the institution’s retail auto leasing portfolio onto the core platform, alongside the automation of broader customer service capabilities.

While the institution’s long-term objective is an end-to-end digital lifecycle, the roadmap acknowledges operational realities, with certain after-sales processes continuing to incorporate human intervention where appropriate. At the same time, the IT department is leveraging the platform’s scalability to build its next-generation small and medium business (SMB) financing application.

Looking ahead, the institution is exploring the use of AI and advanced machine learning models directly into its credit risk assessment processes. The goal is to leverage customer intelligence to analyze financing behavior patterns to proactively surface tailored, Sharia-compliant financing offers at the moment customers engage through digital channels.

This ongoing modernization ensures that the institution continues to deliver on its vision of providing innovative, customer-centric financing solutions while remaining well-positioned for the future of the Saudi financial market.

Al Salam Bank’s Core Banking transformation was not a technology upgrade, but a strategic reset to enable scale, inorganic growth, cost discipline, and continuous innovation. By standardizing on a single, modern Temenos Core and eliminating legacy complexity, the bank created a platform that supports acquisitions, digital products, AI adoption, and regulatory resilience at speed and without disruption.

Together, these outcomes reflect Al Salam Bank’s shift from legacy-constrained operations to a more scalable, acquisition-ready, and innovation-enabled banking platform.

A Bank on the Move

Al Salam Bank is the largest bank in Bahrain, and its technology journey reflects a broader institutional transformation, shaped by strategic growth, operational discipline, and a clear ambition to remain future-ready.

This transformation was driven by a clear strategic intent: to remove structural technology constraints and enable the bank to grow more effectively, integrate acquisitions with greater precision, and respond more efficiently to evolving customer and market needs.

From operational automation to the integration of acquired institutions, Al Salam Bank has delivered a transformation that has been both strategic and disciplined, enabled by Temenos and driven by clear business priorities. The focus has not only been on what was implemented, but on how it was executed, with strong governance, controlled delivery, and clear alignment to long-term strategic priorities.

Removing Limits

Before the transformation, Al Salam Bank was operating within a more complex technology environment, characterized by siloed systems, slower project delivery, and limited integration pathways. “Innovation was being constrained by the structure of the legacy environment,” said Ahmed Buqais, Deputy Chief Technology Officer at Al Salam Bank. “It was becoming increasingly difficult to move at the speed the business and our customers required.”

In 2021/22, the Bank completed its first major upgrade of Temenos Core. This foundational shift paved the way for the next phase of the Bank’s strategic growth, including the successful acquisition of Ithmaar Bank’s consumer banking business. The full migration was completed in just seven months.

A second acquisition followed soon with former Kuwait Finance House Bahrain, where the full institution operation was migrated onto Temenos Core in only six months.

Unlike many banks that merge systems or run parallel platforms, Al Salam opted for a clean transfer. “We made a conscious decision to move into one strategic core environment rather than carry forward unnecessary complexity,” said Hemantha. “That gave us a cleaner, more efficient, and more scalable operating model.”

Core Banking – Upgraded and Future-Ready

In 2025, the Bank completed a second major upgrade of its Temenos Core environment, modernizing not just the software but the full infrastructure stack. The move included a transition to Temenos’ latest Java-based runtime (TAFJ), improving performance, enabling the rollout of the new Temenos browser interface, and preparing the bank for future growth.

To manage the complexity, the team invested heavily in quality assurance and testing. “We replaced hardware, restructured infrastructure, and ran more than 1,500 automated test cases to validate system performance,” Ahmed said. “That level of preparation gave us the confidence to go live without disruption, and we had zero post-upgrade issues.”

The program was delivered in collaboration with TTF and Al Salam Bank’s internal teams, combining specialist implementation support with strong in-house ownership throughout the process.

“We approached the upgrade with a clear focus on resilience, continuity, and long-term scalability,” said Hemantha Wijesinghe, Chief Technology Officer at Al Salam Bank. “The outcome has given us a stronger and more future-ready core environment.”

Keeping Customers Live During Migration

A defining feature of Al Salam Bank’s transformational approach was its ability to execute major migrations while maintaining continuity of services for customers. The team built an internal orchestration platform called Oxygen, which acted as a live transaction bridge during critical cutovers.

“Usually during a transformation, systems go down for long hours,” said Hemantha. “With Oxygen, we were able to maintain continuity and allow customers to continue transacting without any disruptions. This was significantly important in protecting both our service standards and customer trust.”

Oxygen has since become a strategic internal capability, demonstrating the Bank’s ability to engineer complex transformation solutions in-house rather than relying solely on vendors.

Built by the Bank, for the Bank

A significant share of Al Salam Bank’s transformation was delivered through internal capability, reflecting the Bank’s long-term investment in technology talent, platform knowledge, and delivery ownership.

“We have built strong in-house capability across architecture, testing, deployment, and service delivery,” said Mohammed Saleh, Head of IT Service Delivery. “From architecture to testing to deployment, we have built internal capability that gives us greater control, continuity and agility in how we deliver transformation.”

That internal capability is not only about speed, but also about long-term sustainability and institutional knowledge. “Our team has developed deep Temenos expertise over time,” said Hemantha. “Many of them have been part of this journey for years. We have grown our people alongside the evolution of the platform.”

This autonomy has led to measurable results: 85% of processes are now automated, a 10x increase in telecom throughput, a 6x increase in system capacity, and service uptime is now mostly at 99.9%. “We have eliminated all legacy systems in production,” said Hemantha. “It gives us simplicity, speed, and easier-to-manage operating environment.”

The bank’s operations are now fully paperless, with onboarding and card issuance reduced from five days to five minutes. “And we’ve done it all while staying fully compliant and ISO-certified,” he further added.

OneApp: A Fintech Marketplace

In January 2025, Al Salam Bank launched OneApp, a digital financial marketplace offering everything from microfinance to investments and non-banking services. While operating under distinct platform identity, OneApp is fully integrated with Temenos Core.

Built within Bahrain’s open banking infrastructure, OneApp connects banks across the Kingdom, offering a seamless and instant customer experience.

“If someone needs financing, they apply in the app and receive funds instantly,” said Ahmed. “No paperwork, no employee intervention. And the financing is registered directly in Temenos.”

Beyond customer experience, OneApp represents a scalable monetization model, positioning Al Salam Bank beyond traditional banking by enabling ecosystem partnerships, fee-based services, and platform-led growth without increasing operational complexity.

In 2025, OneApp was recognized at Bahrain’s eGovernment Excellence Award for Best Digital Transformation, reflecting the platform’s measurable impact on financial inclusion, customer experience, and ecosystem collaboration.

A Partner and Enabler

For Al Salam Bank, Temenos is not viewed simply as just software, but as a key enabler of its strategic execution.

Daily transaction volumes average around 400,000, but the Bank regularly peaks at 1 million transactions per day, all handled smoothly by Temenos Core.

“The core system is robust,” Hemantha said. “And our team have built strong expertise around it. That combination of technology and talent is what gives us an edge.”

Temenos has also supported Al Salam Bank in strengthening governance operational resilience, and regulatory oversight within a highly regulated environment. “We operate in a market where control, auditability, and resilience are essential,” said Mohammed. “The operating model we have built enables us to meet regulatory requirements, maintain robust internal controls, and comply with ISO standards and regulators expectations, while supporting the Bank’s continued growth.

Business Value Delivered

Beyond technology, the transformation has delivered clear and measurable business outcomes:

• Cost efficiency through elimination of parallel core systems and legacy licenses
• Reduced operational and regulatory risk via a single system of record
• Faster time-to-market for digital products and AI initiatives
• Scalability to support acquisitions without the need for major re-platforming

These outcomes demonstrate how the bank’s technology investments have translated into stronger execution, lower complexity, and a more resilient foundation for sustainable growth.

What’s Next: AI, Data, and Payment Modernization

With its core now fully upgraded, Al Salam Bank is focused on data-driven banking, AI expansion, and payments modernization.

The Bank has launched various AI initiatives, including:

• AI-powered chatbots for customer support
• Automated decisioning for onboarding and credit
• Predictive analytics for internal service desk queries
• Smart document routing and workflow optimisation
• Voice-driven banking pilots for accessibility

“AI is not just an experiment, it’s a board-level priority,” said Hemantha. “It is embedded within our roadmap, ensuring that each initiative is aligned to business value and long-term strategic direction.”

What makes these initiatives possible is the Bank’s data readiness.

Looking ahead, the Bank’s next milestone is the rollout of Temenos Payments, aimed at unifying and future-proofing payment orchestration across channels.

For Al Salam Bank, this journey represents more than a one-time transformation. It establishes a platform for continued innovation, operational agility, and long-term value creation. “We are focused on building capability that supports sustainable progress,” said Hemantha Wijesinghe, Chief Technology Officer at Al Salam Bank. “This is about creating a stronger foundation for the future, not simply responding to short-term trends.”

Al Salam Bank Scaling Boldly with a Core Built for Continuous Growth Manama, Bahrain At a Glance • Two banks acquired and migrated to Temenos Core within accelerated timeframes under eight months • Temenos Core upgraded twice, validated by 1,500+ automated test cases, with all legacy systems now fully decommissioned • 85% of processes automated • 6x increase in IT capacity and 10x increase in telecom throughput • Fintech marketplace OneApp launched and awarded Bahrain’s ‘Best Digital Transformation Project’ • 50+ AI initiatives launched, backed by strong enterprise-wide data infrastructure Al Salam Bank’s Core Banking transformation was not a technology upgrade, but a strategic reset to enable scale, inorganic growth, cost discipline, and continuous innovation. By standardizing on a single, modern Temenos Core and eliminating legacy complexity, the bank created a platform that supports acquisitions, digital products, AI adoption, and regulatory resilience at speed and without disruption. Together, these outcomes reflect Al Salam Bank’s shift from legacy-constrained operations to a more scalable, acquisition-ready, and innovation-enabled banking platform. https://vimeo.com/1094014151/8b8361059c PLACEHOLDER https://vimeo.com/1124259931/df78107869 bank Pioneering Composable Digital Banking in Saudi Arabia Riyadh, Saudi Arabia Watch video Al Salam Bank Five years ago, our core system was operating well behind where we wanted to be. Today, we are running on the latest version of Temenos, which places the Bank in a stronger position to scale, innovate and perform.” Hemantha Wijesinghe, Chief Technology Officer at Al Salam Bank. There were vendors pitching very aggressively, but with no track record in our market. And you can’t risk that. For a massive project like this, you need someone you can trust.” – Amr El-Garhy, CEO & MD, MIDBANK Core Banking – Upgraded and Future-Ready In 2025, the Bank completed a second major upgrade of its Temenos Core environment, modernizing not just the software but the full infrastructure stack. The move included a transition to Temenos’ latest Java-based runtime (TAFJ), improving performance, enabling the rollout of the new Temenos browser interface, and preparing the bank for future growth. To manage the complexity, the team invested heavily in quality assurance and testing. “We replaced hardware, restructured infrastructure, and ran more than 1,500 automated test cases to validate system performance,” Ahmed said. “That level of preparation gave us the confidence to go live without disruption, and we had zero post-upgrade issues.” The program was delivered in collaboration with TTF and Al Salam Bank’s internal teams, combining specialist implementation support with strong in-house ownership throughout the process. “We approached the upgrade with a clear focus on resilience, continuity, and long-term scalability,” said Hemantha Wijesinghe, Chief Technology Officer at Al Salam Bank. “The outcome has given us a stronger and more future-ready core environment.” Temenos was attentive at the moments that really mattered.They brought in more resources when needed, stayed close to the project, and showed genuine commitment to our success.” – Amr El-Garhy, CEO & MD, MIDBANK A Partner and Enabler For Al Salam Bank, Temenos is not viewed simply as just software, but as a key enabler of its strategic execution. Daily transaction volumes average around 400,000, but the Bank regularly peaks at 1 million transactions per day, all handled smoothly by Temenos Core. “The core system is robust,” Hemantha said. “And our team have built strong expertise around it. That combination of technology and talent is what gives us an edge.” Temenos has also supported Al Salam Bank in strengthening governance operational resilience, and regulatory oversight within a highly regulated environment. “We operate in a market where control, auditability, and resilience are essential,” said Mohammed. “The operating model we have built enables us to meet regulatory requirements, maintain robust internal controls, and comply with ISO standards and regulators expectations, while supporting the Bank’s continued growth. We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” – Amr El-Garhy, CEO & MD, MIDBANK   Business Value Delivered Beyond technology, the transformation has delivered clear and measurable business outcomes: Cost efficiency through elimination of parallel core systems and legacy licenses Reduced operational and regulatory risk via a single system of record Faster time-to-market for digital products and AI initiatives Scalability to support acquisitions without the need for major re-platforming These outcomes demonstrate how the bank’s technology investments have translated into stronger execution, lower complexity, and a more resilient foundation for sustainable growth. The outcome of that exercise was the selection of Facilities Lending and Club Loan modules of Arrangement Architecture (AA), that are offered within Temenos Core. Temenos went on to lead the business requirements design phase, with Systems Arabia (formerly NDC) providing implementation support and integration expertise. Go-live was achieved in November 2024, with immediate results Temenos provided the stability and integration flexibility we needed to build and scale the platform effectively. OneApp was designed not only to support our own digital ambitions, but also to enable broader ecosystem connectivity and collaboration across the market.” Hemantha Wijesinghe, Chief Technology Officer at Al Salam Bank. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Temenos gives us three things. Flexibility, seamless integration, and the ability to scale with greater speed and confidence.” Mohammed Saleh, Head of IT Service Delivery at Al Salam Bank ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Because Temenos serves as our system of record, our data is more consistent, reliable and accessible. That’s the foundation for real AI.” Ahmed Buqais, Deputy Chief Technology Officer at Al Salam Bank ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Explore our solutions Hamilton Reserve Bank strives to create products tailored to meet the unique requirements of its global clients that value speed, safety, and privacy. Similarly, the bank aims to make every client interaction an easy, fast, secure, and frictionless experience — from new account onboarding 100% online to fast payments executed in seconds and 24/7 digital access allowing multiple signers and controls in omnibus accounts; all backed up with robust security, privacy, and top compliance measures. The bank chose Temenos for its highly reputable and dependable core banking system with exceptional transaction and real-time monitoring capabilities demanded by large global correspondent banks. “Our previous core banking tools had limited integration capabilities,” adds Akinnia Glasgow. “Key processes such as manual client onboarding could take 5 days for staff to approve account applications. As customer onboarding exploded with many new account applications waiting to be processed, we had to scale our global operations through a fresh approach. The flexible Temenos modules became our solution after we had rejected many others. We signed an 11-year agreement with Temenos as a key partner and devoted a US$30 million IT budget to build a large bank well positioned to serve a worldwide client base. We are very pleased and have not looked back since.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Looking ahead, the Bank’s next milestone is the rollout of Temenos Payment Hub, aimed at unifying and future-proofing payment orchestration across channels. For Al Salam Bank, this journey represents more than a one-time transformation. It establishes a platform for continued innovation, operational agility, and long-term value creation. “We are focused on building capability that supports sustainable progress,” said Hemantha Wijesinghe, Chief Technology Officer at Al Salam Bank. “This is about creating a stronger foundation for the future, not simply responding to short-term trends.” The bank worked closely with LTIMindtree, Temenos’ preferred partner in the region. “LTIMindtree delivered the project with professionalism and care. We had confidence in them from the start, and they validated that confidence throughout,” Sophoklis said. “For this transformation, tight collaboration was essential,” said Hemal Jayasinghe, Chief Business Officer, at LTIMindtree. “Bank of Beirut UK, Temenos, and our delivery team worked as one from day one – aligning on priorities, managing the regulatory environment, and solving challenges together.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Temenos Wealth Management A single platform of independent capabilities unifying digital, portfolio management, data, and core for wealth and private banking. Explore our solution Woman writing on clipboard at desk Data Hub Transform banking with real-time data, AI acceleration, and seamless integration. Explore our solution ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution This transformation was driven by a clear strategic intent: to remove structural technology constraints and enable the bank to grow more effectively, integrate acquisitions with greater precision, and respond more efficiently to evolving customer and market needs. From operational automation to the integration of acquired institutions, Al Salam Bank has delivered a transformation that has been both strategic and disciplined, enabled by Temenos and driven by clear business priorities. The focus has not only been on what was implemented, but on how it was executed, with strong governance, controlled delivery, and clear alignment to long-term strategic priorities. Removing Limits Before the transformation, Al Salam Bank was operating within a more complex technology environment, characterized by siloed systems, slower project delivery, and limited integration pathways. “Innovation was being constrained by the structure of the legacy environment,” said Ahmed Buqais, Deputy Chief Technology Officer at Al Salam Bank. “It was becoming increasingly difficult to move at the speed the business and our customers required.” In 2021/22, the Bank completed its first major upgrade of Temenos Core. This foundational shift paved the way for the next phase of the Bank’s strategic growth, including the successful acquisition of Ithmaar Bank’s consumer banking business. The full migration was completed in just seven months. A second acquisition followed soon with former Kuwait Finance House Bahrain, where the full institution operation was migrated onto Temenos Core in only six months. Unlike many banks that merge systems or run parallel platforms, Al Salam opted for a clean transfer. “We made a conscious decision to move into one strategic core environment rather than carry forward unnecessary complexity,” said Hemantha. “That gave us a cleaner, more efficient, and more scalable operating model.” Close ties Temenos offered MIDBANK more than just software. Its local presence, proven track record in Egypt, and strong ecosystem of partners brought credibility and confidence to a high-stakes transformation. Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. b Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Real impact, right away The project went live in just over 12 months. And while formal ROI assessments are scheduled for the next phase, the immediate feedback has been clear – especially from frontline teams. “The trade finance team told us straight away – it’s more capable, more efficient,” Sophoklis shared. “They can process faster and with more confidence.” Operationally, the system has already unlocked key improvements: Dramatically expanded management information (MI) and reporting capabilities Significantly improved data visibility across operations “The data visibility is miles ahead of what we had before,” Sophoklis said. “The MI potential is limitless. Control and security have also improved, giving senior leadership greater confidence. “We feel more secure, knowing we’re operating on an up-to-date platform with proper controls,” added Sophoklis. A platform built for ambition The transformation is about more than modernization – it’s about enabling a different kind of bank. While 80–85% of the business today remains wholesale-focused, the target is to reach a 60/40 split between wholesale and retail/private banking. “We’re expanding our offering to the Lebanese diaspora – high-net-worth clients who want a secure, personalized service,” Sophoklis explained. “The new platform gives us the agility to grow without compromising our core.” The goal is clear: grow the customer base threefold within three to five years, starting from mid-2026. A true partnership and a path forward ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Read more about Google Cloud Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Learn more about LTIMindtree Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories A Bank on the Move Al Salam Bank is the largest bank in Bahrain, and its technology journey reflects a broader institutional transformation, shaped by strategic growth, operational discipline, and a clear ambition to remain future-ready. https://vimeo.com/1158984519/4d72d33443 SS For Sophoklis, the transformation is as much about partnership as it is about product. “Temenos didn’t just sell us software. They supported us through a complex journey – technically and strategically,” he said. Looking ahead, the bank plans to build on this foundation with greater automation, product innovation, and data-led insights. One area of potential evolution: regulatory reporting. With its modern platform live, a trusted partner ecosystem in place, and an ambitious strategy for expansion, Bank of Beirut UK is positioned to lead – efficiently, securely, and at scale. “This is just the beginning,” Sophoklis said. “We now have a foundation that supports where we’re going – not just where we’ve been.” We have proudly partnered with: LTI Mindtree logo Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Driving Transformation Through Cloud-Native Banking and Scalable Innovation Google Cloud logo Read more about Google Cloud Keeping Customers Live During Migration A defining feature of Al Salam Bank’s transformational approach was its ability to execute major migrations while maintaining continuity of services for customers. The team built an internal orchestration platform called Oxygen, which acted as a live transaction bridge during critical cutovers. “Usually during a transformation, systems go down for long hours,” said Hemantha. “With Oxygen, we were able to maintain continuity and allow customers to continue transacting without any disruptions. This was significantly important in protecting both our service standards and customer trust.” Oxygen has since become a strategic internal capability, demonstrating the Bank’s ability to engineer complex transformation solutions in-house rather than relying solely on vendors. Built by the Bank, for the Bank A significant share of Al Salam Bank’s transformation was delivered through internal capability, reflecting the Bank’s long-term investment in technology talent, platform knowledge, and delivery ownership. “We have built strong in-house capability across architecture, testing, deployment, and service delivery,” said Mohammed Saleh, Head of IT Service Delivery. “From architecture to testing to deployment, we have built internal capability that gives us greater control, continuity and agility in how we deliver transformation.” That internal capability is not only about speed, but also about long-term sustainability and institutional knowledge. “Our team has developed deep Temenos expertise over time,” said Hemantha. “Many of them have been part of this journey for years. We have grown our people alongside the evolution of the platform.” This autonomy has led to measurable results: 85% of processes are now automated, a 10x increase in telecom throughput, a 6x increase in system capacity, and service uptime is now mostly at 99.9%. “We have eliminated all legacy systems in production,” said Hemantha. “It gives us simplicity, speed, and easier-to-manage operating environment.” The bank’s operations are now fully paperless, with onboarding and card issuance reduced from five days to five minutes. “And we’ve done it all while staying fully compliant and ISO-certified,” he further added. OneApp: A Fintech Marketplace In January 2025, Al Salam Bank launched OneApp, a digital financial marketplace offering everything from microfinance to investments and non-banking services. While operating under distinct platform identity, OneApp is fully integrated with Temenos Core. Built within Bahrain’s open banking infrastructure, OneApp connects banks across the Kingdom, offering a seamless and instant customer experience. “If someone needs financing, they apply in the app and receive funds instantly,” said Ahmed. “No paperwork, no employee intervention. And the financing is registered directly in Temenos.” Beyond customer experience, OneApp represents a scalable monetization model, positioning Al Salam Bank beyond traditional banking by enabling ecosystem partnerships, fee-based services, and platform-led growth without increasing operational complexity. In 2025, OneApp was recognized at Bahrain’s eGovernment Excellence Award for Best Digital Transformation, reflecting the platform’s measurable impact on financial inclusion, customer experience, and ecosystem collaboration. What’s Next: AI, Data, and Payment Modernization With its core now fully upgraded, Al Salam Bank is focused on data-driven banking, AI expansion, and payments modernization. The Bank has launched various AI initiatives, including: AI-powered chatbots for customer support Automated decisioning for onboarding and credit Predictive analytics for internal service desk queries Smart document routing and workflow optimisation Voice-driven banking pilots for accessibility “AI is not just an experiment, it’s a board-level priority,” said Hemantha. “It is embedded within our roadmap, ensuring that each initiative is aligned to business value and long-term strategic direction.” What makes these initiatives possible is the Bank’s data readiness.

Established in 2020, Abu Dhabi Commercial Bank Egypt (ADCB Egypt) is a subsidiary of Abu Dhabi Commercial Bank Group, one of the leading banking institutions in the UAE. The bank offers retail, corporate, SME, and digital banking services through a nationwide network and advanced digital platforms and has achieved strong financial growth while earning industry recognition for digital innovation, customer service, and financial inclusion.

Today, the bank uses Temenos Core across its Retail, Corporate, SME, and institutional client segments. That foundation is now being strengthened with payments innovation.

Leading the market on MX compliance

In 2025, ADCB Egypt became the first bank in Egypt to go live with Temenos Payments for SWIFT payments, and fully compliant with ISO 20022 / SWIFT MX messaging standards.

What makes this deployment stand out is its native integration. ADCB implemented the new messaging standard directly within its system. By removing middleware and workarounds, the bank can now work directly with structured, source-level data.

“This approach gives us full data integrity and no limitations,” Ihab Elswerkey CEO & Managing Director at ADCB Egypt explained. “It’s more than compliance; it’s the smart way to scale, in line with our 5-year growth strategy.

By going native from day one, the bank avoids inefficiencies and translation risks, gaining agility as regulations evolve. It’s a bold move that sets the bank apart from competitors still working through interim solutions.

Modern payments, delivered with confidence

The implementation, led by ITSS with support from Temenos and ADCB’s internal PMO, followed a structured rollout. ADCB Egypt prioritized cross-border payments. The setup included five full environments spanning development, UAT, pre-production (x2), and production.

“ITSS played a critical role,” Ihab said. “They brought deep product knowledge and helped us set up a robust environment across dev, UAT, and production. Their collaboration with our team was excellent.”

ITSS also reflected on the strength of the partnership. “ADCB Egypt had a clear vision for compliance and scalability,” said Patrick Jaccoud, CEO, ITSS. “Our role was to bring deep expertise in Temenos Payments and ensure that the implementation was seamless, modular, and future proof. This project proves what’s possible when the client, partner, and vendor work as one team.”

The shift from Temenos’ previous module to Temenos Payments Hub delivered immediate benefits. ADCB Egypt achieved stronger straight-through processing, significantly reduced manual intervention, and now responds to regulatory changes faster and more cleanly. Payment flows are now centrally orchestrated, improving both visibility and control.

Why Temenos made sense

ADCB Egypt ran a formal evaluation process, comparing Temenos Payments with other global vendors. TPH stood out for its native ISO 20022 support, seamless compatibility with the bank’s existing Temenos Core platform, and a scalable architecture that required minimal customization. ADCB also took the opportunity to deploy Temenos Treasury Front Office (TFO), which it completed in June 2024.

ADCB Egypt required a platform that didn’t need heavy customization. Temenos Payments absorbed the business needs with minimal rework, presenting a major advantage.

Already running on Temenos Core, ADCB Egypt now leverages an integrated platform for core banking and payments. This unified approach simplifies operations and improves agility for ADCB Egypt to scale efficiently and deliver faster, smarter payment services.

Built for scale and to last

With Phase 1 now live, ADCB Egypt is planning its next move: extending Temenos Payments to handle other payment schemes (ACH, RTGS, and instant payments), all under a single orchestration layer. The bank is also expanding its use of analytics, AI, and real-time insights – critical tools in its strategy to attract a new generation of digital-first customers with faster, smarter, and more responsive banking experiences.

For ADCB Egypt, this is about building a platform that grows with the bank, a strategic move to continuously modernize its infrastructure and ensure its readiness for the future.

ADCB Egypt Leading Payments Innovation and Compliance Giza, Egypt At a Glance • First bank in Egypt to go live with native ISO 20022 MX messaging • Enabled fully native SWIFT payments • Significant STP gains and automation by replacing previous Funds Transfer module • Fully integrated with Temenos Core   Established in 2020, Abu Dhabi Commercial Bank Egypt (ADCB Egypt) is a subsidiary of Abu Dhabi Commercial Bank Group, one of the leading banking institutions in the UAE. The bank offers retail, corporate, SME, and digital banking services through a nationwide network and advanced digital platforms and has achieved strong financial growth while earning industry recognition for digital innovation, customer service, and financial inclusion. Today, the bank uses Temenos Core across its Retail, Corporate, SME, and institutional client segments. That foundation is now being strengthened with payments innovation.   Leading the market on MX compliance https://vimeo.com/1094014151/8b8361059c PLACEHOLDER https://vimeo.com/1124259931/df78107869 bank Pioneering Composable Digital Banking in Saudi Arabia Riyadh, Saudi Arabia Watch video ADCB Egypt logo Modern payments, delivered with confidence There were vendors pitching very aggressively, but with no track record in our market. And you can’t risk that. For a massive project like this, you need someone you can trust.” – Amr El-Garhy, CEO & MD, MIDBANK Why Temenos made sense Temenos was attentive at the moments that really mattered.They brought in more resources when needed, stayed close to the project, and showed genuine commitment to our success.” – Amr El-Garhy, CEO & MD, MIDBANK Temenos understands the Egyptian market and we see them as part of our transformation journey” Ihab Elswerkey, CEO & MD at ADCB Egypt We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” – Amr El-Garhy, CEO & MD, MIDBANK   Built for scale and to last The outcome of that exercise was the selection of Facilities Lending and Club Loan modules of Arrangement Architecture (AA), that are offered within Temenos Core. Temenos went on to lead the business requirements design phase, with Systems Arabia (formerly NDC) providing implementation support and integration expertise. Go-live was achieved in November 2024, with immediate results ADCB Egypt ran a formal evaluation process, comparing Temenos Payments with other global vendors. TPH stood out for its native ISO 20022 support, seamless compatibility with the bank’s existing Temenos Core platform, and a scalable architecture that required minimal customization. ADCB also took the opportunity to deploy Temenos Treasury Front Office (TFO), which it completed in June 2024. ADCB Egypt required a platform that didn’t need heavy customization. Temenos Payments absorbed the business needs with minimal rework, presenting a major advantage. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Already running on Temenos Core, ADCB Egypt now leverages an integrated platform for core banking and payments. This unified approach simplifies operations and improves agility for ADCB Egypt to scale efficiently and deliver faster, smarter payment services. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS With Phase 1 now live, ADCB Egypt is planning its next move: extending Temenos Payments to handle other payment schemes (ACH, RTGS, and instant payments), all under a single orchestration layer. The bank is also expanding its use of analytics, AI, and real-time insights – critical tools in its strategy to attract a new generation of digital-first customers with faster, smarter, and more responsive banking experiences. For ADCB Egypt, this is about building a platform that grows with the bank, a strategic move to continuously modernize its infrastructure and ensure its readiness for the future. We partnered successfully with: Read more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Explore our solutions Hamilton Reserve Bank strives to create products tailored to meet the unique requirements of its global clients that value speed, safety, and privacy. Similarly, the bank aims to make every client interaction an easy, fast, secure, and frictionless experience — from new account onboarding 100% online to fast payments executed in seconds and 24/7 digital access allowing multiple signers and controls in omnibus accounts; all backed up with robust security, privacy, and top compliance measures. The bank chose Temenos for its highly reputable and dependable core banking system with exceptional transaction and real-time monitoring capabilities demanded by large global correspondent banks. “Our previous core banking tools had limited integration capabilities,” adds Akinnia Glasgow. “Key processes such as manual client onboarding could take 5 days for staff to approve account applications. As customer onboarding exploded with many new account applications waiting to be processed, we had to scale our global operations through a fresh approach. The flexible Temenos modules became our solution after we had rejected many others. We signed an 11-year agreement with Temenos as a key partner and devoted a US$30 million IT budget to build a large bank well positioned to serve a worldwide client base. We are very pleased and have not looked back since.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Measurable impact The results have been swift and significant. MIDBANK has the ability to work on reducing transaction processing times and annual saving in operational cost, and improving in customer satisfaction. Customers will benefit in the coming period from faster services, better product availability, and a more modern digital experience. It is an artistic expression of how digital transformation reshapes end users’ financial lives—through cutting-edge technological innovations, accelerated service delivery, and enhanced user experience. It reflects the dual mission of driving operational efficiency and reinforcing regulatory compliance, as pivotal forces for sustainable economic growth and inclusive development, in alignment with Egypt Vision 2030 and the Central Bank of Egypt. Internally, automation has decreased the reliance on manual operations, freeing staff to focus on higher-value tasks. “The capacity in the system is so strong and robust that it helps us resolve things much more quickly,” Amr said. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories This is about building a platform that grows with us. We’re not chasing trends, and this isn’t a one-off tech project. It’s considered a strategic move to modernize. And with Temenos, we’re ready for whatever comes next.” Ihab Elswerkey, CEO & MD at ADCB Egypt CAB attributes the success of the transformation to strong governance and close collaboration with Temenos, formalized through various Temenos services and dedicated support agreements. “These agreements were the key success factor,” said Rami. “They ensured accountability, alignment, and full engagement across all stakeholders. It wasn’t about hoping to succeed, but about planning to succeed. It was a win-win situation.” In parallel, CAB is investing in internal capability building, training staff through the Temenos Learning Community (TLC) with the goal of executing future upgrades independently. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Temenos Wealth Management A single platform of independent capabilities unifying digital, portfolio management, data, and core for wealth and private banking. Explore our solution Woman writing on clipboard at desk Data Hub Transform banking with real-time data, AI acceleration, and seamless integration. Explore our solution We partnered successfully with: Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories The implementation, led by ITSS with support from Temenos and ADCB’s internal PMO, followed a structured rollout. ADCB Egypt prioritized cross-border payments. The setup included five full environments spanning development, UAT, pre-production (x2), and production. “ITSS played a critical role,” Ihab said. “They brought deep product knowledge and helped us set up a robust environment across dev, UAT, and production. Their collaboration with our team was excellent.” ITSS also reflected on the strength of the partnership. “ADCB Egypt had a clear vision for compliance and scalability,” said Patrick Jaccoud, CEO, ITSS. “Our role was to bring deep expertise in Temenos Payments and ensure that the implementation was seamless, modular, and future proof. This project proves what’s possible when the client, partner, and vendor work as one team.” The shift from Temenos’ previous module to Temenos Payments Hub delivered immediate benefits. ADCB Egypt achieved stronger straight-through processing, significantly reduced manual intervention, and now responds to regulatory changes faster and more cleanly. Payment flows are now centrally orchestrated, improving both visibility and control. Close ties Temenos offered MIDBANK more than just software. Its local presence, proven track record in Egypt, and strong ecosystem of partners brought credibility and confidence to a high-stakes transformation. Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. b Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories We want to own our transformation end to end. Partners are important, but internal capability means we can scale on our own terms. Leveraging Temenos Learning Community, we can own our transformation while reducing long-term delivery costs.” – Rami Maayah, Group CIO at Cairo Amman Bank Benchmarking for the future Later in 2026, CAB will re-engage with the Temenos Value Benchmark (TVB) to assess progress against the digital maturity matrix and guide investment decisions for the next three to five years. The bank is also evaluating Temenos Digital, Temenos Payments, Trade Finance, and Treasury capabilities that were previously unattainable on the previous platform. Temenos’ standing in analyst reports helped validate CAB’s long-term choice. Temenos is focused on banking, and its roadmap is fully aligned with what we need. This isn’t just about modernizing for today. This upgradable platform is the foundation for what comes next: AI, digital onboarding, and instant payments. We are now in a position to move fast on a solid base.” – Rami Maayah, Group CIO at Cairo Amman Bank One of the biggest wins is what this means for RBI Group. We can innovate locally, but we’re also aligned globally. That gives us scale, agility, and ultimately the ability to build superior customer experiences. It’s a platform for long-term growth.” Kreshnik Halili, CIO/COO at Raiffeisen Bank dd Bosna i Hercegovina ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories In 2025, ADCB Egypt became the first bank in Egypt to go live with Temenos Payments for SWIFT payments, and fully compliant with ISO 20022 / SWIFT MX messaging standards. What makes this deployment stand out is its native integration. ADCB implemented the new messaging standard directly within its system. By removing middleware and workarounds, the bank can now work directly with structured, source-level data. “This approach gives us full data integrity and no limitations,” Ihab Elswerkey CEO & Managing Director at ADCB Egypt explained. “It’s more than compliance; it’s the smart way to scale, in line with our 5-year growth strategy. By going native from day one, the bank avoids inefficiencies and translation risks, gaining agility as regulations evolve. It’s a bold move that sets the bank apart from competitors still working through interim solutions. https://vimeo.com/1158984519/4d72d33443 SS

BNI Madagascar, the first Malagasy bank, has long played a central role in supporting inclusive economic growth across the country. With a strong national presence and a commitment to accessible, customer-centric financial services, the bank set out to redefine its digital banking experience for a rapidly evolving market.

To support its digital roadmap and strengthen customer engagement, BNI selected Temenos Digital Banking as the foundation for its next-generation digital platform.

Turning digital ambition into reality

As part of its transformation strategy, BNI aimed to deliver a mobile banking experience that would reflect its unique brand identity while meeting rising customer expectations for convenience and usability.

The bank required a platform capable of supporting a fully customized user experience, seamless integration with its core and third-party systems, and the scalability to support long-term innovation.

Rather than implementing a standard out-of-the-box solution, BNI sought to leverage the flexibility of the Temenos Digital Banking platform to create a differentiated digital experience tailored to its customers.

Delivering a tailored digital experience

The implementation was delivered in collaboration with Orion Innovation, a leading Temenos partner with deep expertise in core and digital banking solutions.

Working closely with BNI, the teams designed and deployed a highly customized Temenos Digital Banking solution aligned with the bank’s strategic and design objectives. The project included:

• A fully bespoke mobile UX/UI crafted to mirror BNI’s brand identity
• Seamless integration with core banking and third-party systems
• Agile implementation methodologies enabling speed and flexibility
• A scalable architecture designed to support future product innovation

The result is a modern digital banking platform that enhances customer engagement while strengthening operational efficiency and accelerating time-to-market for new services.

Strengthening customer engagement and adoption

Since go-live, BNI Madagascar has reported strong user adoption and positive customer feedback, particularly regarding the app’s intuitive design and ease of use.

By leveraging Temenos Digital Banking, BNI has reinforced its ability to deliver secure, personalized and accessible services across Madagascar, further strengthening its market position as a digital leader.

BNI Madagascar has successfully accelerated core banking innovation with Temenos and Orion and it now operates on a flexible and scalable platform designed to evolve alongside customer expectations and support the bank’s continued digital transformation journey.

BNI Madagascar Reimagining Digital Banking for a New Generation Antananarivo, Madagascar At a Glance • Launch of a highly customized Temenos Digital Banking platform • Bespoke UX/UI reflecting BNI’s brand identity • Seamless integration by Orion with core banking and third-party systems • Modern, scalable platform designed for future growth • Strong user adoption and positive customer feedback post go-live   BNI Madagascar, the first Malagasy bank, has long played a central role in supporting inclusive economic growth across the country. With a strong national presence and a commitment to accessible, customer-centric financial services, the bank set out to redefine its digital banking experience for a rapidly evolving market. To support its digital roadmap and strengthen customer engagement, BNI selected Temenos Digital Banking as the foundation for its next-generation digital platform. Turning digital ambition into reality https://vimeo.com/1094014151/8b8361059c PLACEHOLDER https://vimeo.com/1124259931/df78107869 bank Pioneering Composable Digital Banking in Saudi Arabia Riyadh, Saudi Arabia Watch video BNI Madagascar logo Delivering a tailored digital experience There were vendors pitching very aggressively, but with no track record in our market. And you can’t risk that. For a massive project like this, you need someone you can trust.” – Amr El-Garhy, CEO & MD, MIDBANK Orion’s partnership has elevated our digital capabilities and allowed us to better serve our customers with convenience and efficiency.” Thibault Huvelle, Head of Digital at BNI Madagascar Temenos was attentive at the moments that really mattered.They brought in more resources when needed, stayed close to the project, and showed genuine commitment to our success.” – Amr El-Garhy, CEO & MD, MIDBANK Since go-live, BNI Madagascar has reported strong user adoption and positive customer feedback, particularly regarding the app’s intuitive design and ease of use. By leveraging Temenos Digital Banking, BNI has reinforced its ability to deliver secure, personalized and accessible services across Madagascar, further strengthening its market position as a digital leader. We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” – Amr El-Garhy, CEO & MD, MIDBANK   BNI Madagascar has successfully accelerated core banking innovation with Temenos and Orion and it now operates on a flexible and scalable platform designed to evolve alongside customer expectations and support the bank’s continued digital transformation journey. The outcome of that exercise was the selection of Facilities Lending and Club Loan modules of Arrangement Architecture (AA), that are offered within Temenos Core. Temenos went on to lead the business requirements design phase, with Systems Arabia (formerly NDC) providing implementation support and integration expertise. Go-live was achieved in November 2024, with immediate results Strengthening customer engagement and adoption ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS This project exemplifies our commitment to supporting our clients in realizing their specific ambitions. By leveraging the full potential of the Temenos platform, our team enabled the delivery of a truly customized solution that brings BNI’s vision and design concepts to life. We are proud to have contributed to setting a new benchmark for digital banking in the region.” Suchen Janjale, Head of Temenos Practice, Orion Innovation ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS CAB also completed its upgrade of the Temenos Financial Crime Mitigation (FCM) suite in December 2024, in line with a mandate from the Central Bank of Jordan. The bank uses the full suite of FCM modules, including screening, profiling, and KYC+. With VBOT implemented, false positives dropped by 40–50%, significantly reducing manual review effort and compliance overhead. Looking ahead, CAB plans to deploy Temenos AI in the near future, leveraging subscription-based licensing secured during contract renewal. This AI-driven capability is expected to further enhance screening accuracy and operational efficiency. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Explore our solutions This project exemplifies our commitment to supporting our clients in realizing their specific ambitions. By leveraging the full potential of the Temenos platform, our team enabled the delivery of a truly customized solution that brings BNI’s vision and design concepts to life. We are proud to have contributed to setting a new benchmark for digital banking in the region.” Suchen Janjale, Head of Temenos Practice, Orion Innovation We partnered successfully with:   Read more about Orion Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Strong governance, growing capability CAB attributes the success of the transformation to strong governance and close collaboration with Temenos, formalized through various Temenos services and dedicated support agreements. “These agreements were the key success factor,” said Rami. “They ensured accountability, alignment, and full engagement across all stakeholders. It wasn’t about hoping to succeed, but about planning to succeed. It was a win-win situation.” In parallel, CAB is investing in internal capability building, training staff through the Temenos Learning Community (TLC) with the goal of executing future upgrades independently. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Temenos Wealth Management A single platform of independent capabilities unifying digital, portfolio management, data, and core for wealth and private banking. Explore our solution Woman writing on clipboard at desk Data Hub Transform banking with real-time data, AI acceleration, and seamless integration. Explore our solution ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution The implementation was delivered in collaboration with Orion Innovation, a leading Temenos partner with deep expertise in core and digital banking solutions. Working closely with BNI, the teams designed and deployed a highly customized Temenos Digital Banking solution aligned with the bank’s strategic and design objectives. The project included: A fully bespoke mobile UX/UI crafted to mirror BNI’s brand identity Seamless integration with core banking and third-party systems Agile implementation methodologies enabling speed and flexibility A scalable architecture designed to support future product innovation The result is a modern digital banking platform that enhances customer engagement while strengthening operational efficiency and accelerating time-to-market for new services. Close ties Temenos offered MIDBANK more than just software. Its local presence, proven track record in Egypt, and strong ecosystem of partners brought credibility and confidence to a high-stakes transformation. Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. b Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories We want to own our transformation end to end. Partners are important, but internal capability means we can scale on our own terms. Leveraging Temenos Learning Community, we can own our transformation while reducing long-term delivery costs.” – Rami Maayah, Group CIO at Cairo Amman Bank Benchmarking for the future Later in 2026, CAB will re-engage with the Temenos Value Benchmark (TVB) to assess progress against the digital maturity matrix and guide investment decisions for the next three to five years. The bank is also evaluating Temenos Digital, Temenos Payments, Trade Finance, and Treasury capabilities that were previously unattainable on the previous platform. Temenos’ standing in analyst reports helped validate CAB’s long-term choice. Temenos is focused on banking, and its roadmap is fully aligned with what we need. This isn’t just about modernizing for today. This platform is the foundation for what comes next: AI, digital onboarding, and instant payments. We are finally in a position to move fast on a solid base.” – Rami Maayah, Group CIO at Cairo Amman Bank One of the biggest wins is what this means for RBI Group. We can innovate locally, but we’re also aligned globally. That gives us scale, agility, and ultimately the ability to build superior customer experiences. It’s a platform for long-term growth.” Kreshnik Halili, CIO/COO at Raiffeisen Bank dd Bosna i Hercegovina ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution ss3 Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories As part of its transformation strategy, BNI aimed to deliver a mobile banking experience that would reflect its unique brand identity while meeting rising customer expectations for convenience and usability. The bank required a platform capable of supporting a fully customized user experience, seamless integration with its core and third-party systems, and the scalability to support long-term innovation. Rather than implementing a standard out-of-the-box solution, BNI sought to leverage the flexibility of the Temenos Digital Banking platform to create a differentiated digital experience tailored to its customers. https://vimeo.com/1158984519/4d72d33443 SS Overview Orion Innovation successfully implemented a highly customized Temenos Digital Banking platform for BNI Madagascar, the first Malagasy bank. This project represents a major milestone in BNI’s digital transformation journey, delivering a next-generation, user-centric digital banking experience to its customers across Madagascar. BNI is a pioneering financial institution in Madagascar, recognized for its commitment to inclusive economic growth and innovative financial solutions. With a strong national presence, the bank aims to empower both individuals and businesses by offering secure, efficient, and accessible banking services that meet evolving customer needs. ss Orion’s partnership has elevated our digital capabilities and allowed us to better serve our customers with convenience and efficiency.” Thibault Huvelle, Head of Digital at BNI Madagascar.   The success of this implementation demonstrates the tangible value of collaboration, innovation, and customer focus in digital transformation initiatives. From Temenos “Congratulations to the team at BNI Madagascar on a successful go-live with Temenos Digital Banking. This milestone empowers the bank to enhance customer experiences and deliver smarter, faster banking services. It also highlights the strength of our digital banking solutions for banks in Africa to accelerate innovation and digital transformation.” — Santhosh Rao, Managing Director – MEA, Temenos   Outcome ✅ 100% Custom UX/UI Design ✅ Seamless Integration with Core Systems ✅ High Customer Adoption & Positive Feedback ✅ Future-Ready, Scalable Digital Platform   Through this partnership, Orion and Temenos have set a new standard for digital banking innovation in Madagascar. The project showcases the power of Temenos Digital technology in enabling banks to deliver secure, personalized, and scalable digital experiences — paving the way for continued growth and transformation across Africa’s financial landscape.   ss This project exemplifies our commitment to supporting our clients in realizing their specific ambitions. By leveraging the full potential of the Temenos platform, our team enabled the delivery of a truly customized solution that brings BNI’s vision and design concepts to life. We are proud to have contributed to setting a new benchmark for digital banking in the region.” Suchen Janjale, Head of Temenos Practice, Orion Innovation Orion’s partnership has elevated our digital capabilities and allowed us to better serve our customers with convenience and efficiency.” Thibault Huvelle, Head of Digital at BNI Madagascar.   The success of this implementation demonstrates the tangible value of collaboration, innovation, and customer focus in digital transformation initiatives. Outcome ✅ 100% Custom UX/UI Design ✅ Seamless Integration with Core Systems ✅ High Customer Adoption & Positive Feedback ✅ Future-Ready, Scalable Digital Platform Through this partnership, Orion and Temenos have set a new standard for digital banking innovation in Madagascar. The project showcases the power of Temenos Digital technology in enabling banks to deliver secure, personalized, and scalable digital experiences — paving the way for continued growth and transformation across Africa’s financial landscape.   Overview Orion Innovation successfully implemented a highly customized Temenos Digital Banking platform for BNI Madagascar, the first Malagasy bank. This project represents a major milestone in BNI’s digital transformation journey, delivering a next-generation, user-centric digital banking experience to its customers across Madagascar. BNI is a pioneering financial institution in Madagascar, recognized for its commitment to inclusive economic growth and innovative financial solutions. With a strong national presence, the bank aims to empower both individuals and businesses by offering secure, efficient, and accessible banking services that meet evolving customer needs.

Banking across generations and segments

Cairo Amman Bank (CAB) has been a leading financial institution in Jordan and Palestine since 1960. It serves a diverse customer base through three distinct segments, LINC (a youth-focused digital brand for ages 18-40), SIGNATURE (elite individuals and corporate clients), and the mass market operating under the CAB brand.

In Jordan, LINC is deeply embedded in university life through co-branded prepaid student ID cards, while SIGNATURE and CAB serve the bank’s premium and broad-based customer segments.

By 2025, CAB reached a critical juncture. Although Temenos Core had been fully rolled out in 2012, following a period of coexistence with a legacy system, the core platform had not been upgraded in more than a decade, limiting CAB’s ambitions that need additional scalability and innovation.

“We knew we couldn’t scale the way we wanted,” said Rami Maayah, Group CIO. ” Our previous setup demanded too many resources just to keep things running. It was clearly time for a meaningful step forward.”

From stalled to scalable

Given the complexity of the previous setup, an upgrade in 2017 wasn’t finished at the time, so CAB later adopted a more structured approach and launched a full‑scope technical transformation in Jordan and Bahrain. The bank went live successfully on 12 October 2025, marking a major milestone in its modernization journey.

The shift was significant: CAB migrated from IBM DB2 to Oracle and replaced outdated JBoss middleware with IBM Liberty, eliminating years of compensating controls required to manage security risks. “The upgrade removed vulnerabilities we couldn’t address before due to database and middleware limitations,” Rami explained. “We now have a stable, modern, and secure technology stack.”

The Jordan upgrade took a little over a year, reflecting the complexity of the transformation. Now live, CAB has eliminated costly extended support contracts, significantly improving cost efficiency.

The previous environment required additional maintenance, while the new subscription model delivers much greater value for only a slight increase in investment.

A clear three-phase transformation roadmap

With Jordan and Bahrain now on a modern release, CAB has defined a clear three-phase strategy:

• Technical Upgrade – Move the remaining entities to a modern release, supported by Temenos’ always upgradable platform.
• Back-to-Core Assessment – Remove ~2,900 local customizations and realign with an adopt approach to consume rich and standard functionality.
• Functional Upgrade – Build on a clean core to deploy new digital services and innovation.

Momentum in CAB Palestine

CAB is also applying the same approach to its Palestine operations, with the upgrade targeted for completion by mid-2026. Unlike Jordan, the Palestine environment still runs on Jbase, a file-based system, adding complexity.

“We took the hard road first in Jordan,” Rami noted. “CAB Palestine will benefit directly from those lessons, allowing us to move faster and more efficiently.”

Modernizing compliance and AI readiness

CAB also completed its upgrade of the Temenos Financial Crime Mitigation (FCM) suite in December 2024, in line with a mandate from the Central Bank of Jordan. The bank uses the full suite of FCM modules, including screening, profiling, and KYC+.

With VBOT implemented, false positives dropped by 40–50%, significantly reducing manual review effort and compliance overhead.

Looking ahead, CAB plans to deploy Temenos AI in the near future, leveraging subscription-based licensing secured during contract renewal. This AI-driven capability is expected to further enhance screening accuracy and operational efficiency.

Strong governance, growing capability

CAB attributes the success of the transformation to strong governance and close collaboration with Temenos, formalized through various Temenos services and dedicated support agreements.

“These agreements were the key success factor,” said Rami. “They ensured accountability, alignment, and full engagement across all stakeholders. It wasn’t about hoping to succeed, but about planning to succeed. It was a win-win situation.”

In parallel, CAB is investing in internal capability building, training staff through the Temenos Learning Community (TLC) with the goal of executing future upgrades independently.

Benchmarking for the future

Later in 2026, CAB will re-engage with the Temenos Value Benchmark (TVB) to assess progress against the digital maturity matrix and guide investment decisions for the next three to five years.

The bank is also evaluating Temenos Digital, Temenos Payments, Trade Finance, and Treasury capabilities that were previously unattainable on the previous platform.

Cairo Amman Bank Modernizing the Core to Enable Scalable, Digital-First Banking Amman, Jordan At a Glance • Significant annual savings were achieved by eliminating extended maintenance (EM) fees • 2,900 local customizations targeted for removal in the upcoming “back-to-core” adopt strategy • Replacing outdated infrastructure and unsustainable compensating controls which mitigate possible security vulnerabilities • VBOT implementation reduced FCM false positives by 40–50%; meeting Central Bank of Jordan mandates Banking across generations and segments https://vimeo.com/1094014151/8b8361059c PLACEHOLDER https://vimeo.com/1124259931/df78107869 bank Pioneering Composable Digital Banking in Saudi Arabia Riyadh, Saudi Arabia Watch video Cairo Amman Bank logo From stalled to scalable There were vendors pitching very aggressively, but with no track record in our market. And you can’t risk that. For a massive project like this, you need someone you can trust.” – Amr El-Garhy, CEO & MD, MIDBANK A clear three-phase transformation roadmap Temenos was attentive at the moments that really mattered.They brought in more resources when needed, stayed close to the project, and showed genuine commitment to our success.” – Amr El-Garhy, CEO & MD, MIDBANK Momentum in CAB Palestine We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” – Amr El-Garhy, CEO & MD, MIDBANK   Modernizing compliance and AI readiness The outcome of that exercise was the selection of Facilities Lending and Club Loan modules of Arrangement Architecture (AA), that are offered within Temenos Core. Temenos went on to lead the business requirements design phase, with Systems Arabia (formerly NDC) providing implementation support and integration expertise. Go-live was achieved in November 2024, with immediate results With Jordan and Bahrain now on a modern release, CAB has defined a clear three-phase strategy: Technical Upgrade – Move the remaining entities to a modern release, supported by Temenos’ always upgradable platform. Back-to-Core Assessment – Remove ~2,900 local customizations and realign with an adopt approach to consume rich and standard functionality. Functional Upgrade – Build on a clean core to deploy new digital services and innovation. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS CAB is also applying the same approach to its Palestine operations, with the upgrade targeted for completion by mid-2026. Unlike Jordan, the Palestine environment still runs on Jbase, a file-based system, adding complexity. “We took the hard road first in Jordan,” Rami noted. “CAB Palestine will benefit directly from those lessons, allowing us to move faster and more efficiently.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS CAB also completed its upgrade of the Temenos Financial Crime Mitigation (FCM) suite in December 2024, in line with a mandate from the Central Bank of Jordan. The bank uses the full suite of FCM modules, including screening, profiling, and KYC+. With VBOT implemented, false positives dropped by 40–50%, significantly reducing manual review effort and compliance overhead. Looking ahead, CAB plans to deploy Temenos AI in the near future, leveraging subscription-based licensing secured during contract renewal. This AI-driven capability is expected to further enhance screening accuracy and operational efficiency. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Explore our solutions Hamilton Reserve Bank strives to create products tailored to meet the unique requirements of its global clients that value speed, safety, and privacy. Similarly, the bank aims to make every client interaction an easy, fast, secure, and frictionless experience — from new account onboarding 100% online to fast payments executed in seconds and 24/7 digital access allowing multiple signers and controls in omnibus accounts; all backed up with robust security, privacy, and top compliance measures. The bank chose Temenos for its highly reputable and dependable core banking system with exceptional transaction and real-time monitoring capabilities demanded by large global correspondent banks. “Our previous core banking tools had limited integration capabilities,” adds Akinnia Glasgow. “Key processes such as manual client onboarding could take 5 days for staff to approve account applications. As customer onboarding exploded with many new account applications waiting to be processed, we had to scale our global operations through a fresh approach. The flexible Temenos modules became our solution after we had rejected many others. We signed an 11-year agreement with Temenos as a key partner and devoted a US$30 million IT budget to build a large bank well positioned to serve a worldwide client base. We are very pleased and have not looked back since.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Measurable impact The results have been swift and significant. MIDBANK has the ability to work on reducing transaction processing times and annual saving in operational cost, and improving in customer satisfaction. Customers will benefit in the coming period from faster services, better product availability, and a more modern digital experience. It is an artistic expression of how digital transformation reshapes end users’ financial lives—through cutting-edge technological innovations, accelerated service delivery, and enhanced user experience. It reflects the dual mission of driving operational efficiency and reinforcing regulatory compliance, as pivotal forces for sustainable economic growth and inclusive development, in alignment with Egypt Vision 2030 and the Central Bank of Egypt. Internally, automation has decreased the reliance on manual operations, freeing staff to focus on higher-value tasks. “The capacity in the system is so strong and robust that it helps us resolve things much more quickly,” Amr said. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Strong governance, growing capability CAB attributes the success of the transformation to strong governance and close collaboration with Temenos, formalized through various Temenos services and dedicated support agreements. “These agreements were the key success factor,” said Rami. “They ensured accountability, alignment, and full engagement across all stakeholders. It wasn’t about hoping to succeed, but about planning to succeed. It was a win-win situation.” In parallel, CAB is investing in internal capability building, training staff through the Temenos Learning Community (TLC) with the goal of executing future upgrades independently. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Temenos Wealth Management A single platform of independent capabilities unifying digital, portfolio management, data, and core for wealth and private banking. Explore our solution Woman writing on clipboard at desk Data Hub Transform banking with real-time data, AI acceleration, and seamless integration. Explore our solution ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Given the complexity of the previous setup, an upgrade in 2017 wasn’t finished at the time, so CAB later adopted a more structured approach and launched a full‑scope technical transformation in Jordan and Bahrain. The bank went live successfully on 12 October 2025, marking a major milestone in its modernization journey. The shift was significant: CAB migrated from IBM DB2 to Oracle and replaced outdated JBoss middleware with IBM Liberty, eliminating years of compensating controls required to manage security risks. “The upgrade removed vulnerabilities we couldn’t address before due to database and middleware limitations,” Rami explained. “We now have a stable, modern, and secure technology stack.” The Jordan upgrade took a little over a year, reflecting the complexity of the transformation. Now live, CAB has eliminated costly extended support contracts, significantly improving cost efficiency. The previous environment required additional maintenance, while the new subscription model delivers much greater value for only a slight increase in investment. Close ties Temenos offered MIDBANK more than just software. Its local presence, proven track record in Egypt, and strong ecosystem of partners brought credibility and confidence to a high-stakes transformation. Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. b Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories We want to own our transformation end to end. Partners are important, but internal capability means we can scale on our own terms. Leveraging Temenos Learning Community, we can own our transformation while reducing long-term delivery costs.” Rami Maayah, Group CIO at Cairo Amman Bank Benchmarking for the future Later in 2026, CAB will re-engage with the Temenos Value Benchmark (TVB) to assess progress against the digital maturity matrix and guide investment decisions for the next three to five years. The bank is also evaluating Temenos Digital, Temenos Payments, Trade Finance, and Treasury capabilities that were previously unattainable on the previous platform. Temenos’ standing in analyst reports helped validate CAB’s long-term choice. Temenos is focused on banking, and its roadmap is fully aligned with what we need. This isn’t just about modernizing for today. This upgradable platform is the foundation for what comes next: AI, digital onboarding, and instant payments. We are now in a position to move fast on a solid base.” Rami Maayah, Group CIO at Cairo Amman Bank One of the biggest wins is what this means for RBI Group. We can innovate locally, but we’re also aligned globally. That gives us scale, agility, and ultimately the ability to build superior customer experiences. It’s a platform for long-term growth.” Kreshnik Halili, CIO/COO at Raiffeisen Bank dd Bosna i Hercegovina ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Cairo Amman Bank (CAB) has been a leading financial institution in Jordan and Palestine since 1960. It serves a diverse customer base through three distinct segments, LINC (a youth-focused digital brand for ages 18-40), SIGNATURE (elite individuals and corporate clients), and the mass market operating under the CAB brand. In Jordan, LINC is deeply embedded in university life through co-branded prepaid student ID cards, while SIGNATURE and CAB serve the bank’s premium and broad-based customer segments. By 2025, CAB reached a critical juncture. Although Temenos Core had been fully rolled out in 2012, following a period of coexistence with a legacy system, the core platform had not been upgraded in more than a decade, limiting CAB’s ambitions that need additional scalability and innovation. “We knew we couldn’t scale the way we wanted,” said Rami Maayah, Group CIO. ” Our previous setup demanded too many resources just to keep things running. It was clearly time for a meaningful step forward.” https://vimeo.com/1158984519/4d72d33443 SS

A growth engine for Vietnam

Vietnam Prosperity Joint Stock Commercial Bank (VPBank) is one of Vietnam’s largest private banks, serving over 30 million customers across retail and corporate banking. The bank is a leader in digital innovation, having launched multiple digital brands including NEO, NEOBiz, UBank, Cake. To serve millions more customers with speed and reliability, VPBank recognized that its core banking platform had to evolve – to be faster, smarter, and more scalable.

Expanding from the core

VPBank had been using Temenos Core Banking since 2006. As it has grown, it has retained this core, while upgrading to new releases.

“We always need to improve our speed to market and agility,” said Augustine Wong Kok Seng, former CIO at VPBank. “Digital banks move fast, and if we want to stay competitive, we need to keep our core platform at the cutting edge.”

More importantly, many of the alternative platforms required specialized business analyst skills that were hard to source in emerging markets like Vietnam.

A strategic upgrade with the right partners

VPBank committed to upgrading its Temenos core banking, while shifting to a hybrid architecture using Red Hat OpenShift. The bank partnered with Systems Limited, with proven expertise in deploying Red Hat OpenShift for core banking on-premise. Red Hat was instrumental in helping containerise VPBank’s core banking system. While the core continues to run on-premise in a private cloud, AWS supported the broader hybrid architecture and testing environments, providing flexibility as the bank plans for future innovations.

This wasn’t a routine upgrade. It was one of the largest and most complex core banking transformations in the country. It involved migrating more than 18 million accounts and 77 terabytes of data, all within a 24-hour go-live window.

Key to success was VPBank’s decision to run the upgrade using disaster recovery (DR) mode to avoid impacting customer service. For most of the weekend, customers continued transacting as usual, with only a brief three-hour switchover window when systems were unavailable.

“With this modernisation, VPBank gains the ability to orchestrate workloads at scale, streamline deployments, and maintain high availability. These are critical capabilities for supporting millions of customers while driving continuous innovation,” said Dao Hoang Giang (Jane), Country Manager, Red Hat Vietnam, Cambodia, Laos & Myanmar.

Results that scale with ambition

The transformation delivered immediate and measurable gains. Business processing speeds improved by 30%, and payment transaction volumes rose by 40%. The upgraded system can now handle double the daily volume without issue, enabling faster, more stable product launches. Most importantly, the go-live was completed without a single incident, ensuring uninterrupted service and reinforcing trust across the customer base.

Built on trust, delivered through partnership

Temenos was the natural choice for VPBank’s continued core transformation. With over 30 Temenos clients in Vietnam, the bank saw deep local knowledge and the business functionality no other vendor could match.

Augustine emphasized that VPBank’s strategy remains dynamic. “We’re constantly evaluating new technologies,” he said. “This decision made the most sense at the current juncture, but the pace of change is fast. We’re always scanning the horizon, but if Temenos continues to innovate and decouple modules, they’ll stay in the lead.”

Systems Limited impressed the bank with its resolve. “They didn’t talk about cost,” Augustine said. “They talked about solving the problem. That made all the difference.”

“This success with VPBank demonstrates the depth of our expertise in executing major core banking upgrades on a global scale,” said Ammara Masood, GM Global Industries, Banking & Financial Services, Systems Limited. “By combining innovative methodologies with Temenos’ next-generation platform and Red Hat OpenShift, we’ve enabled VPBank to achieve remarkable improvements in scalability, efficiency, and performance.”

Modernisation that drives inclusion

The technology upgrade is about more than just scale. It’s also enabling inclusion.

Vietnam has a population of over 100 million, but only around 30 million are currently banked. VPBank is on a mission to change that. “Our full name – Vietnam Prosperity Bank – says it all,” Augustine said. “We’re here to build an inclusive financial society. That requires trust, and trust is built on stable, scalable systems.”

AI, automation, and agility

With the new core in place, VPBank is now focused on building out its AI strategy. From conversational AI tools to internal automation, the bank is developing an “AI factory” model that enables teams to build, test, and launch intelligent tools faster.

The foundation is the data; and the integrity of that data comes from a trusted, resilient core.

“AI is just an enabler,” Augustine said. “Data is the crown jewel. And with Temenos, we know our data is secure, stable, and ready to power the next wave of innovation.”

With the upgrade complete and the bank now future-ready, VPBank is focused on reaching the next horizon of growth. As digital adoption accelerates and AI reshapes the financial landscape, agility will be the key to the future, explains Augustine. “Now we have the capabilities to adapt. That’s partly about the technology we’ve deployed, but equally about having a partner in Temenos that is shaping the future, putting us in the driving seat.”

VPBank Scaling smarter and powering inclusion Hanoi, Vietnam At a Glance • One of the largest core banking upgrades executed in Vietnam • 18M+ accounts migrated in a single weekend • 30% faster business processing • 40% increase in payment transaction volumes • Core banking system now handles double the volume with zero incidents • Near-zero customer disruption during go-live A growth engine for Vietnam https://vimeo.com/1094014151/8b8361059c PLACEHOLDER https://vimeo.com/1124259931/df78107869 bank Pioneering Composable Digital Banking in Saudi Arabia Riyadh, Saudi Arabia Watch video VPBank logo Expanding from the core There were vendors pitching very aggressively, but with no track record in our market. And you can’t risk that. For a massive project like this, you need someone you can trust.” – Amr El-Garhy, CEO & MD, MIDBANK We were told we’d need people who could construct smart contracts. Temenos offered a more intuitive, business-friendly platform that our teams could adapt to quickly. That made the decision clear.” Augustine Wong Kok Seng, former CIO at VPBank Temenos was attentive at the moments that really mattered.They brought in more resources when needed, stayed close to the project, and showed genuine commitment to our success.” – Amr El-Garhy, CEO & MD, MIDBANK VPBank committed to upgrading its Temenos core banking, while shifting to a hybrid architecture using Red Hat OpenShift. The bank partnered with Systems Limited, with proven expertise in deploying Red Hat OpenShift for core banking on-premise. Red Hat was instrumental in helping containerise VPBank’s core banking system. While the core continues to run on-premise in a private cloud, AWS supported the broader hybrid architecture and testing environments, providing flexibility as the bank plans for future innovations. This wasn’t a routine upgrade. It was one of the largest and most complex core banking transformations in the country. It involved migrating more than 18 million accounts and 77 terabytes of data, all within a 24-hour go-live window. Key to success was VPBank’s decision to run the upgrade using disaster recovery (DR) mode to avoid impacting customer service. For most of the weekend, customers continued transacting as usual, with only a brief three-hour switchover window when systems were unavailable. “With this modernisation, VPBank gains the ability to orchestrate workloads at scale, streamline deployments, and maintain high availability. These are critical capabilities for supporting millions of customers while driving continuous innovation,” said Dao Hoang Giang (Jane), Country Manager, Red Hat Vietnam, Cambodia, Laos & Myanmar. We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” – Amr El-Garhy, CEO & MD, MIDBANK   The transformation delivered immediate and measurable gains. Business processing speeds improved by 30%, and payment transaction volumes rose by 40%. The upgraded system can now handle double the daily volume without issue, enabling faster, more stable product launches. Most importantly, the go-live was completed without a single incident, ensuring uninterrupted service and reinforcing trust across the customer base. The outcome of that exercise was the selection of Facilities Lending and Club Loan modules of Arrangement Architecture (AA), that are offered within Temenos Core. Temenos went on to lead the business requirements design phase, with Systems Arabia (formerly NDC) providing implementation support and integration expertise. Go-live was achieved in November 2024, with immediate results A strategic upgrade with the right partners ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Results that scale with ambition ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Today, we can serve twice the volume with better quality. The customer experience is significantly improved – faster, more responsive, and more reliable.” Do Cam Van, Director of Core Banking Applications Service at VPBank ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Explore our solutions Hamilton Reserve Bank strives to create products tailored to meet the unique requirements of its global clients that value speed, safety, and privacy. Similarly, the bank aims to make every client interaction an easy, fast, secure, and frictionless experience — from new account onboarding 100% online to fast payments executed in seconds and 24/7 digital access allowing multiple signers and controls in omnibus accounts; all backed up with robust security, privacy, and top compliance measures. The bank chose Temenos for its highly reputable and dependable core banking system with exceptional transaction and real-time monitoring capabilities demanded by large global correspondent banks. “Our previous core banking tools had limited integration capabilities,” adds Akinnia Glasgow. “Key processes such as manual client onboarding could take 5 days for staff to approve account applications. As customer onboarding exploded with many new account applications waiting to be processed, we had to scale our global operations through a fresh approach. The flexible Temenos modules became our solution after we had rejected many others. We signed an 11-year agreement with Temenos as a key partner and devoted a US$30 million IT budget to build a large bank well positioned to serve a worldwide client base. We are very pleased and have not looked back since.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Measurable impact The results have been swift and significant. MIDBANK has the ability to work on reducing transaction processing times and annual saving in operational cost, and improving in customer satisfaction. Customers will benefit in the coming period from faster services, better product availability, and a more modern digital experience. It is an artistic expression of how digital transformation reshapes end users’ financial lives—through cutting-edge technological innovations, accelerated service delivery, and enhanced user experience. It reflects the dual mission of driving operational efficiency and reinforcing regulatory compliance, as pivotal forces for sustainable economic growth and inclusive development, in alignment with Egypt Vision 2030 and the Central Bank of Egypt. Internally, automation has decreased the reliance on manual operations, freeing staff to focus on higher-value tasks. “The capacity in the system is so strong and robust that it helps us resolve things much more quickly,” Amr said. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Built on trust, delivered through partnership Temenos was the natural choice for VPBank’s continued core transformation. With over 30 Temenos clients in Vietnam, the bank saw deep local knowledge and the business functionality no other vendor could match. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories VPBank had been using Temenos Core Banking since 2006. As it has grown, it has retained this core, while upgrading to new releases. “We always need to improve our speed to market and agility,” said Augustine Wong Kok Seng, former CIO at VPBank. “Digital banks move fast, and if we want to stay competitive, we need to keep our core platform at the cutting edge.” More importantly, many of the alternative platforms required specialized business analyst skills that were hard to source in emerging markets like Vietnam. Close ties Temenos offered MIDBANK more than just software. Its local presence, proven track record in Egypt, and strong ecosystem of partners brought credibility and confidence to a high-stakes transformation. Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. b Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories No one else had the business functionality and scale we needed. We explored all options, but Temenos was the only partner who could support our growth at this size. Frankly, no one else had the depth we needed. When things got tough, Temenos’ leadership was directly involved. I could call them up at any time, and they made things happen.” Augustine Wong Kok Seng, former CIO at VPBank Augustine emphasized that VPBank’s strategy remains dynamic. “We’re constantly evaluating new technologies,” he said. “This decision made the most sense at the current juncture, but the pace of change is fast. We’re always scanning the horizon, but if Temenos continues to innovate and decouple modules, they’ll stay in the lead.” Systems Limited impressed the bank with its resolve. “They didn’t talk about cost,” Augustine said. “They talked about solving the problem. That made all the difference.” “This success with VPBank demonstrates the depth of our expertise in executing major core banking upgrades on a global scale,” said Ammara Masood, GM Global Industries, Banking & Financial Services, Systems Limited. “By combining innovative methodologies with Temenos’ next-generation platform and Red Hat OpenShift, we’ve enabled VPBank to achieve remarkable improvements in scalability, efficiency, and performance.” Modernisation that drives inclusion The technology upgrade is about more than just scale. It’s also enabling inclusion. Vietnam has a population of over 100 million, but only around 30 million are currently banked. VPBank is on a mission to change that. “Our full name – Vietnam Prosperity Bank – says it all,” Augustine said. “We’re here to build an inclusive financial society. That requires trust, and trust is built on stable, scalable systems.” AI, automation, and agility ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Vietnam Prosperity Joint Stock Commercial Bank (VPBank) is one of Vietnam’s largest private banks, serving over 30 million customers across retail and corporate banking. The bank is a leader in digital innovation, having launched multiple digital brands including NEO, NEOBiz, UBank, Cake. To serve millions more customers with speed and reliability, VPBank recognized that its core banking platform had to evolve – to be faster, smarter, and more scalable. With the new core in place, VPBank is now focused on building out its AI strategy. From conversational AI tools to internal automation, the bank is developing an “AI factory” model that enables teams to build, test, and launch intelligent tools faster. The foundation is the data; and the integrity of that data comes from a trusted, resilient core. “AI is just an enabler,” Augustine said. “Data is the crown jewel. And with Temenos, we know our data is secure, stable, and ready to power the next wave of innovation.” With the upgrade complete and the bank now future-ready, VPBank is focused on reaching the next horizon of growth. As digital adoption accelerates and AI reshapes the financial landscape, agility will be the key to the future, explains Augustine. “Now we have the capabilities to adapt. That’s partly about the technology we’ve deployed, but equally about having a partner in Temenos that is shaping the future, putting us in the driving seat.” We partnered successfully with: We partnered successfully with: We partnered successfully with: Microsoft’s Financial Services group helps financial firms leverage technology to amplify the impact their people can deliver to drive business success. Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories

Raiffeisen Bank dd Bosna i Hercegovina (RBBH) has been a cornerstone of the country’s financial sector since 2000. As the second-largest bank in the market, it serves over half a million individual customers and 50,000 business clients ranging from micro-enterprises to large corporations. The bank operates as part of the broader Raiffeisen Bank International (RBI) network, benefiting from both local market expertise and international economies of scale.

The bank has built a reputation for stability and customer service. But in an increasingly digital world, the bank recognized that maintaining its competitive edge would require more than traditional banking approaches.

Facing the digital imperative

The challenge facing RBBH was both immediate and strategic. Customer behaviour was shifting rapidly, and their expectations were accelerating beyond the bank’s capability to develop. “The demand for digital services is increasing, and we cannot afford to fall behind,” explained Kreshnik Halili, the bank’s CIO/COO. The bank’s legacy systems, built over many years, had become a constraint rather than an enabler.

Basic processes such as opening a current account were complex and lengthy, creating workload for staff and delays for customers. Integration with new digital channels was limited; and the speed required to compete in today’s market was simply not achievable.
“We couldn’t settle for small enhancements around the edges,” said Kreshnik. “We needed a complete overhaul of our technology.”

Choosing a scalable, proven platform

RBBH’s selection process balanced their immediate needs with a longer-term view. The bank evaluated multiple vendors while also examining implementations within sister banks across the RBI banking group.

Temenos emerged as the clear choice for several compelling reasons, not least because Temenos Core was already live in other RBI subsidiaries, including Kosovo, Slovakia, and Poland. “This wasn’t just a local technology project; it was a move to ensure strategic alignment and standardization across the group.”

The decision was reinforced by Temenos’ broad customer base and partner network. “Implementing a core banking system is not an easy project. Finding companies that have successfully put systems into production meant a lot to us.”

There was also a practical element to this, added Kreshnik. “It gave us confidence that during project implementation, we would have many doors to knock on if we needed support or consultation.”

Smart implementation, real impact

Rather than opting for a ‘big bang’ approach RBBH undertook a phased go-live, starting with its core retail products: current accounts, bundles, and overdrafts. Deposits and lending will be the focus of subsequent phases, followed by its business accounts.

The implementation was led by Tech Mahindra, supported by Temenos and RBBH’s own internal team, already certified in Temenos delivery. “Mature technology and a mature team; both are needed for success,” advised Kreshnik.

Organisation is also key, he added. “We had clear roles, shared priorities, and strong communication across all three teams. That’s what made the difference.”

By adhering closely to out-of-the-box functionality and standard processes, the team minimized customization and reduced the risk of complexity creeping in mid-project.

A key enabler was Red Hat OpenShift, which allowed the deployment of Temenos in a containerized, cloud-ready environment. “When the timing is right from the regulatory point of view, our technology is ready to be migrated from on-premises to the cloud.”

Transformation in action

It did not take long for the bank to see the benefits of their investment. Internal users noticed faster response times and better integration between functions. Operational simplicity followed. Previously, it relied on three to four different systems to originate products. These were replaced with a unified, streamlined workflow within Temenos Core. As a result, new products could be created in days, rather than weeks.

One of the early priorities post-go-live was the launch of new, tailored banking packages aimed at attracting new-to-bank customers. With Temenos Core, the team was able to model and launch these products quickly and with minimal technical intervention.

“Designing tailored packages for acquisition is a key lever for our growth,” Kreshnik said. “We now move from concept to launch far faster than before.”

With the consolidation of product configuration, pricing, and lifecycle management, manual reconciliation and task duplication has been minimized. For branch teams and call center agents, this has meant better visibility, fewer systems to navigate, and improved service consistency.

“We’ve gone from managing products across multiple systems to orchestrating everything through a single core. It’s faster for our teams, and that means it’s better for our customers.”

One of the biggest enhancements was the implementation of Temenos Data Hub, which now acts as a central data layer. It enables real-time streaming to digital channels, supports faster insights, and lays the groundwork for AI-based personalization.

“We’re actively monitoring AI development and testing small proof of concepts,” explained Kreshnik. “TDH provides capabilities that we believe will contribute to this strategy and opportunities when they become available.”

Beyond the core

The bank plans to expand Temenos Core and TDH across more product lines as it continues to drive digital rollouts, fintech integrations, and open banking services.

“The market is moving fast, especially around digital expectations and embedded finance. Now we have a core that can keep up.”

The team is already scoping the next phases, which will bring Temenos into lending and card systems. Meanwhile, APIs are being opened up to enable new partnerships and mobile experiences.

A key advantage of the transformation is how it brings regional alignment with local innovation. As more RBI entities adopt the Temenos platform, knowledge and solutions can be shared across borders.

Raiffeisen Bank dd Bosna i Hercegovina Innovating locally, aligning globally Sarajevo, Bosnia and Herzegovina At a Glance • Successfully migrated +500,000 retail accounts to Temenos Core. • Deployed on OpenShift cloud infrastructure. • Consolidated up to 4 customer origination systems into a single streamlined process. • Leveraging Temenos Data Hub to prepare for real-time insights and AI-powered personalization. Raiffeisen Bank dd Bosna i Hercegovina (RBBH) has been a cornerstone of the country’s financial sector since 2000. As the second-largest bank in the market, it serves over half a million individual customers and 50,000 business clients ranging from micro-enterprises to large corporations. The bank operates as part of the broader Raiffeisen Bank International (RBI) network, benefiting from both local market expertise and international economies of scale. The bank has built a reputation for stability and customer service. But in an increasingly digital world, the bank recognized that maintaining its competitive edge would require more than traditional banking approaches. https://vimeo.com/1094014151/8b8361059c PLACEHOLDER https://vimeo.com/1124259931/df78107869 bank Pioneering Composable Digital Banking in Saudi Arabia Riyadh, Saudi Arabia Watch video rai bank Facing the digital imperative There were vendors pitching very aggressively, but with no track record in our market. And you can’t risk that. For a massive project like this, you need someone you can trust.” – Amr El-Garhy, CEO & MD, MIDBANK Choosing a scalable, proven platform Temenos was attentive at the moments that really mattered.They brought in more resources when needed, stayed close to the project, and showed genuine commitment to our success.” – Amr El-Garhy, CEO & MD, MIDBANK Smart implementation, real impact We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” – Amr El-Garhy, CEO & MD, MIDBANK   Transformation in action The outcome of that exercise was the selection of Facilities Lending and Club Loan modules of Arrangement Architecture (AA), that are offered within Temenos Core. Temenos went on to lead the business requirements design phase, with Systems Arabia (formerly NDC) providing implementation support and integration expertise. Go-live was achieved in November 2024, with immediate results RBBH’s selection process balanced their immediate needs with a longer-term view. The bank evaluated multiple vendors while also examining implementations within sister banks across the RBI banking group. Temenos emerged as the clear choice for several compelling reasons, not least because Temenos Core was already live in other RBI subsidiaries, including Kosovo, Slovakia, and Poland. “This wasn’t just a local technology project; it was a move to ensure strategic alignment and standardization across the group.” The decision was reinforced by Temenos’ broad customer base and partner network. “Implementing a core banking system is not an easy project. Finding companies that have successfully put systems into production meant a lot to us.” There was also a practical element to this, added Kreshnik. “It gave us confidence that during project implementation, we would have many doors to knock on if we needed support or consultation.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Rather than opting for a ‘big bang’ approach RBBH undertook a phased go-live, starting with its core retail products: current accounts, bundles, and overdrafts. Deposits and lending will be the focus of subsequent phases, followed by its business accounts. The implementation was led by Tech Mahindra, supported by Temenos and RBBH’s own internal team, already certified in Temenos delivery. “Mature technology and a mature team; both are needed for success,” advised Kreshnik. Organisation is also key, he added. “We had clear roles, shared priorities, and strong communication across all three teams. That’s what made the difference.” By adhering closely to out-of-the-box functionality and standard processes, the team minimized customization and reduced the risk of complexity creeping in mid-project. A key enabler was Red Hat OpenShift, which allowed the deployment of Temenos in a containerized, cloud-ready environment. “When the timing is right from the regulatory point of view, our technology is ready to be migrated from on-premises to the cloud.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS It did not take long for the bank to see the benefits of their investment. Internal users noticed faster response times and better integration between functions. Operational simplicity followed. Previously, it relied on three to four different systems to originate products. These were replaced with a unified, streamlined workflow within Temenos Core. As a result, new products could be created in days, rather than weeks. One of the early priorities post-go-live was the launch of new, tailored banking packages aimed at attracting new-to-bank customers. With Temenos Core, the team was able to model and launch these products quickly and with minimal technical intervention. “Designing tailored packages for acquisition is a key lever for our growth,” Kreshnik said. “We now move from concept to launch far faster than before.” With the consolidation of product configuration, pricing, and lifecycle management, manual reconciliation and task duplication has been minimized. For branch teams and call center agents, this has meant better visibility, fewer systems to navigate, and improved service consistency. “We’ve gone from managing products across multiple systems to orchestrating everything through a single core. It’s faster for our teams, and that means it’s better for our customers.” One of the biggest enhancements was the implementation of Temenos Data Hub, which now acts as a central data layer. It enables real-time streaming to digital channels, supports faster insights, and lays the groundwork for AI-based personalization. “We’re actively monitoring AI development and testing small proof of concepts,” explained Kreshnik. “TDH provides capabilities that we believe will contribute to this strategy and opportunities when they become available.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Explore our solutions Hamilton Reserve Bank strives to create products tailored to meet the unique requirements of its global clients that value speed, safety, and privacy. Similarly, the bank aims to make every client interaction an easy, fast, secure, and frictionless experience — from new account onboarding 100% online to fast payments executed in seconds and 24/7 digital access allowing multiple signers and controls in omnibus accounts; all backed up with robust security, privacy, and top compliance measures. The bank chose Temenos for its highly reputable and dependable core banking system with exceptional transaction and real-time monitoring capabilities demanded by large global correspondent banks. “Our previous core banking tools had limited integration capabilities,” adds Akinnia Glasgow. “Key processes such as manual client onboarding could take 5 days for staff to approve account applications. As customer onboarding exploded with many new account applications waiting to be processed, we had to scale our global operations through a fresh approach. The flexible Temenos modules became our solution after we had rejected many others. We signed an 11-year agreement with Temenos as a key partner and devoted a US$30 million IT budget to build a large bank well positioned to serve a worldwide client base. We are very pleased and have not looked back since.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Measurable impact The results have been swift and significant. MIDBANK has the ability to work on reducing transaction processing times and annual saving in operational cost, and improving in customer satisfaction. Customers will benefit in the coming period from faster services, better product availability, and a more modern digital experience. It is an artistic expression of how digital transformation reshapes end users’ financial lives—through cutting-edge technological innovations, accelerated service delivery, and enhanced user experience. It reflects the dual mission of driving operational efficiency and reinforcing regulatory compliance, as pivotal forces for sustainable economic growth and inclusive development, in alignment with Egypt Vision 2030 and the Central Bank of Egypt. Internally, automation has decreased the reliance on manual operations, freeing staff to focus on higher-value tasks. “The capacity in the system is so strong and robust that it helps us resolve things much more quickly,” Amr said. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Beyond the core The bank plans to expand Temenos Core and TDH across more product lines as it continues to drive digital rollouts, fintech integrations, and open banking services. “The market is moving fast, especially around digital expectations and embedded finance. Now we have a core that can keep up.” The team is already scoping the next phases, which will bring Temenos into lending and card systems. Meanwhile, APIs are being opened up to enable new partnerships and mobile experiences. A key advantage of the transformation is how it brings regional alignment with local innovation. As more RBI entities adopt the Temenos platform, knowledge and solutions can be shared across borders. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Red Hat Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Tech Mahindra logo Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories The challenge facing RBBH was both immediate and strategic. Customer behaviour was shifting rapidly, and their expectations were accelerating beyond the bank’s capability to develop. “The demand for digital services is increasing, and we cannot afford to fall behind,” explained Kreshnik Halili, the bank’s CIO/COO. The bank’s legacy systems, built over many years, had become a constraint rather than an enabler. Basic processes such as opening a current account were complex and lengthy, creating workload for staff and delays for customers. Integration with new digital channels was limited; and the speed required to compete in today’s market was simply not achievable. “We couldn’t settle for small enhancements around the edges,” said Kreshnik. “We needed a complete overhaul of our technology.” Close ties Temenos offered MIDBANK more than just software. Its local presence, proven track record in Egypt, and strong ecosystem of partners brought credibility and confidence to a high-stakes transformation. Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. b Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories One of the biggest wins is what this means for RBI Group. We can innovate locally, but we’re also aligned globally. That gives us scale, agility, and ultimately the ability to build superior customer experiences. It’s a platform for long-term growth.” Kreshnik Halili, CIO/COO at Raiffeisen Bank dd Bosna i Hercegovina We partnered successfully with: We partnered successfully with: We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” Amr El-Garhy, CEO & MD, MIDBANK We partnered successfully with: ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Learn more about Red Hat Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Learn more about Red Hat Learn more about Tech Mahindra

Bank NXT, a leading provider of integrated banking solutions in Egypt, has set its sights on becoming one of the country’s top ten banks in terms of Return on Equity (ROE) and Return on Assets (ROA). The bank is taking a bold, tech-forward approach, with a strong focus on flexibility, speed, and delivering differentiated services across both retail and corporate segments. With people at the core of its transformation journey, Bank NXT continues to introduce innovative solutions designed to meet evolving market expectations.

Breaking free

Before the bank’s modernization journey, launching new products required significant development efforts, extensive testing, and multiple workarounds even for basic features. Simple changes involved custom development and lengthy testing cycles, often resulting in months of delay.

“As part of our earlier processes, we had to build everything from validations and parameters to compliance logic. Even the smallest updates required considerable effort,” explained Mohamed Hussain.

The need for transformation became increasingly urgent due to growing pressure from tech-savvy customers, emerging fintech competition, and heightened regulatory requirements. A modern core banking system and a more agile, scalable payment infrastructure were essential to support the bank’s evolving ambitions.

A leap forward

Marking a significant milestone in the Egyptian banking sector, Bank NXT became the first institution in the country to implement Temenos Payments. This was deployed in tandem with Temenos Core and additional modules, including Trade Finance, Treasury, and Transaction Recycler. To enable seamless integration, the bank also adopted IRIS, Temenos’ API-ready integration framework.

“Temenos Payments changed everything for us,” said Mohamed Hussain. “We can now launch new channels or respond to central bank mandates within days rather than months. Our users have seen the speed and flexibility of the system and they now expect us to move faster.”

Bank NXT’s payment channels, including ACH, SWIFT, and IPN, have been unified under a single orchestration layer, granting the bank full control over routing, prioritization, and compliance. This modular, API-enabled infrastructure is powering a new wave of services, such as instant salary transfers and faster customer payments.

This agility extends to compliance, as Mohamed explained: “We’re now operating with low-code, almost no-code platforms. So when new regulatory requirements are introduced by the central bank, we can implement updates within days and move quickly to market.”

Results you can see

The transformation has delivered tangible, measurable impact across all areas of the bank’s operations. Product development cycles are now 80% faster, while manual intervention has decreased by 90%, as teams leverage automated repair queues and warehouse views, significantly reducing delays and enhancing operational efficiency. Additionally, transaction processing volumes have increased by 120%, supported by a steady rise in the bank’s straight-through processing (STP) rate.

“Our STP rate has reached 75%, and we continue to see opportunities for further improvement,” noted Mohamed Hussain. “We’re now processing payments with greater accuracy, minimal rework, and higher levels of customer satisfaction.”

Born from trust

Bank NXT selected Temenos following a thorough competitive evaluation not solely for its technology, but for its proven track record in the Egyptian market and its reputation for delivering scalable, flexible solutions.

“Temenos had the proof,” stated Mohamed Hussain. “We were looking for a true partner, not just a provider – someone who could deliver with quality and remain committed for the long-term partner.”

Temenos’ delivery approach, supported by both local and global partners, ensured a high-quality implementation that aligned seamlessly with Bank NXT’s strategic objectives. The adoption of the IRIS integration platform enabled rapid deployment without the need for extensive custom development, ensuring the system remains agile and ready for future growth.

Always innovating

With its core and payments systems fully transformed, Bank NXT is now focused on leveraging artificial intelligence and advanced analytics to drive deeper personalization, enhance decision-making, and elevate the overall customer experience.

“AI represents the future of banking,” said Mohamed Hussain. “To position ourselves as the boutique bank of choice, our decisions must be driven by data, not assumptions. That’s how we will continue to lead.”

As the first bank in Egypt to modernize its payments infrastructure at this scale, Bank NXT is not merely adapting to change– it is setting a new standard for what modern, agile, and customer-centric banking should be.

“Our partnership with Temenos goes beyond deploying advanced technology,” Mohamed concluded. “It is rooted in a well-defined strategy. This is not a short-term upgrade, but a long-term alliance focused on sustainable growth.”

Bank NXT Leading Egypt’s Payments Transformation Cairo, Egypt At a Glance • 80% faster time to market for new products. • 120% increase in transaction volumes. • 90% reduction in manual intervention across operations. • 75% straight-through processing rate achieved. Bank NXT, a leading provider of integrated banking solutions in Egypt, has set its sights on becoming one of the country’s top ten banks in terms of Return on Equity (ROE) and Return on Assets (ROA). The bank is taking a bold, tech-forward approach, with a strong focus on flexibility, speed, and delivering differentiated services across both retail and corporate segments. With people at the core of its transformation journey, Bank NXT continues to introduce innovative solutions designed to meet evolving market expectations. https://vimeo.com/1094014151/8b8361059c PLACEHOLDER https://vimeo.com/1121570364/2a0512288a bank Pioneering Composable Digital Banking in Saudi Arabia Riyadh, Saudi Arabia Watch video midbank Delivering better service starts with advancing your technology. Traditional approaches are no longer enough to attract today’s customers. We need to deliver faster, differentiated, and more compelling experiences that meet their evolving expectations.” Mohamed Hussain, Head of Solutions Delivery at Bank NXT There were vendors pitching very aggressively, but with no track record in our market. And you can’t risk that. For a massive project like this, you need someone you can trust.” – Amr El-Garhy, CEO & MD, MIDBANK Before the bank’s modernization journey, launching new products required significant development efforts, extensive testing, and multiple workarounds even for basic features. Simple changes involved custom development and lengthy testing cycles, often resulting in months of delay. “As part of our earlier processes, we had to build everything from validations and parameters to compliance logic. Even the smallest updates required considerable effort,” explained Mohamed Hussain. The need for transformation became increasingly urgent due to growing pressure from tech-savvy customers, emerging fintech competition, and heightened regulatory requirements. A modern core banking system and a more agile, scalable payment infrastructure were essential to support the bank’s evolving ambitions. Temenos was attentive at the moments that really mattered.They brought in more resources when needed, stayed close to the project, and showed genuine commitment to our success.” – Amr El-Garhy, CEO & MD, MIDBANK Marking a significant milestone in the Egyptian banking sector, Bank NXT became the first institution in the country to implement Temenos Payments. This was deployed in tandem with Temenos Core and additional modules, including Trade Finance, Treasury, and Transaction Recycler. To enable seamless integration, the bank also adopted IRIS, Temenos’ API-ready integration framework. “Temenos Payments changed everything for us,” said Mohamed Hussain. “We can now launch new channels or respond to central bank mandates within days rather than months. Our users have seen the speed and flexibility of the system and they now expect us to move faster.” Bank NXT’s payment channels, including ACH, SWIFT, and IPN, have been unified under a single orchestration layer, granting the bank full control over routing, prioritization, and compliance. This modular, API-enabled infrastructure is powering a new wave of services, such as instant salary transfers and faster customer payments. This agility extends to compliance, as Mohamed explained: “We’re now operating with low-code, almost no-code platforms. So when new regulatory requirements are introduced by the central bank, we can implement updates within days and move quickly to market.” We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” – Amr El-Garhy, CEO & MD, MIDBANK   Results you can see The outcome of that exercise was the selection of Facilities Lending and Club Loan modules of Arrangement Architecture (AA), that are offered within Temenos Core. Temenos went on to lead the business requirements design phase, with Systems Arabia (formerly NDC) providing implementation support and integration expertise. Go-live was achieved in November 2024, with immediate results A leap forward “We delivered everything we set out to achieve. It’s simpler, more flexible, and more accurate; and all this relieves pressure from our teams.” – Mohammad Khatib, Director, Information Technology at The Arab Energy Bank CBPR is live. With Temenos at the core, cross-border payments are now faster, smarter, and built for what’s NXT. This marks a step change. Temenos enables a future-ready platform where scale, compliance, and agility meet, delivering high STP rates, resilient processing, and seamless regulatory alignment, while empowering banks with faster time to market, reduced manual intervention, and a strong foundation for regional expansion”. Mohamed Hussain, Head of Solutions Delivery at Bank NXT. We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” – Amr El-Garhy, CEO & MD, MIDBANK   The transformation has delivered tangible, measurable impact across all areas of the bank’s operations. Product development cycles are now 80% faster, while manual intervention has decreased by 90%, as teams leverage automated repair queues and warehouse views, significantly reducing delays and enhancing operational efficiency. Additionally, transaction processing volumes have increased by 120%, supported by a steady rise in the bank’s straight-through processing (STP) rate. “Our STP rate has reached 75%, and we continue to see opportunities for further improvement,” noted Mohamed Hussain. “We’re now processing payments with greater accuracy, minimal rework, and higher levels of customer satisfaction.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Explore our solutions Hamilton Reserve Bank strives to create products tailored to meet the unique requirements of its global clients that value speed, safety, and privacy. Similarly, the bank aims to make every client interaction an easy, fast, secure, and frictionless experience — from new account onboarding 100% online to fast payments executed in seconds and 24/7 digital access allowing multiple signers and controls in omnibus accounts; all backed up with robust security, privacy, and top compliance measures. The bank chose Temenos for its highly reputable and dependable core banking system with exceptional transaction and real-time monitoring capabilities demanded by large global correspondent banks. “Our previous core banking tools had limited integration capabilities,” adds Akinnia Glasgow. “Key processes such as manual client onboarding could take 5 days for staff to approve account applications. As customer onboarding exploded with many new account applications waiting to be processed, we had to scale our global operations through a fresh approach. The flexible Temenos modules became our solution after we had rejected many others. We signed an 11-year agreement with Temenos as a key partner and devoted a US$30 million IT budget to build a large bank well positioned to serve a worldwide client base. We are very pleased and have not looked back since.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS solutions Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Measurable impact The results have been swift and significant. MIDBANK has the ability to work on reducing transaction processing times and annual saving in operational cost, and improving in customer satisfaction. Customers will benefit in the coming period from faster services, better product availability, and a more modern digital experience. It is an artistic expression of how digital transformation reshapes end users’ financial lives—through cutting-edge technological innovations, accelerated service delivery, and enhanced user experience. It reflects the dual mission of driving operational efficiency and reinforcing regulatory compliance, as pivotal forces for sustainable economic growth and inclusive development, in alignment with Egypt Vision 2030 and the Central Bank of Egypt. Internally, automation has decreased the reliance on manual operations, freeing staff to focus on higher-value tasks. “The capacity in the system is so strong and robust that it helps us resolve things much more quickly,” Amr said. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Born from trust Bank NXT selected Temenos following a thorough competitive evaluation not solely for its technology, but for its proven track record in the Egyptian market and its reputation for delivering scalable, flexible solutions. “Temenos had the proof,” stated Mohamed Hussain. “We were looking for a true partner, not just a provider – someone who could deliver with quality and remain committed for the long-term partner.” Temenos’ delivery approach, supported by both local and global partners, ensured a high-quality implementation that aligned seamlessly with Bank NXT’s strategic objectives. The adoption of the IRIS integration platform enabled rapid deployment without the need for extensive custom development, ensuring the system remains agile and ready for future growth. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Breaking free Close ties Temenos offered MIDBANK more than just software. Its local presence, proven track record in Egypt, and strong ecosystem of partners brought credibility and confidence to a high-stakes transformation. Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. b Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Always innovating With its core and payments systems fully transformed, Bank NXT is now focused on leveraging artificial intelligence and advanced analytics to drive deeper personalization, enhance decision-making, and elevate the overall customer experience. “AI represents the future of banking,” said Mohamed Hussain. “To position ourselves as the boutique bank of choice, our decisions must be driven by data, not assumptions. That’s how we will continue to lead.” As the first bank in Egypt to modernize its payments infrastructure at this scale, Bank NXT is not merely adapting to change– it is setting a new standard for what modern, agile, and customer-centric banking should be. “Our partnership with Temenos goes beyond deploying advanced technology,” Mohamed concluded. “It is rooted in a well-defined strategy. This is not a short-term upgrade, but a long-term alliance focused on sustainable growth.” We partnered successfully with: We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” Amr El-Garhy, CEO & MD, MIDBANK We partnered successfully with: ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories