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Temenos for Retail and Business Banking

Build innovative, personalized banking products for retail and business customers.

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Drive growth across retail and business banking

Combining innovation and personalization, create banking solutions that address the unique challenges and goals of both individual consumers and business clients. Our products are convenient, secure, and flexible, empowering your customers to manage their finances effectively while strengthening their loyalty to you.

Provide a hassle-free and convenient banking experience

Our solution simplifies onboarding, supports open and omnichannel banking, and enables you to deliver personalized customer experiences. By integrating all aspects of digital banking, it empowers you to deliver an efficient and consistent service across multiple platforms, enhancing customer satisfaction and engagement throughout their banking journey.

Accelerate time-to-market and innovation

Introduce new products faster, leveraging low-code development, AI-powered insights, and API-driven integrations. Flexible pricing models enable personalized offerings, while seamless third-party connectivity gives you the ability to craft customer-centric services – all without the need for costly core system overhauls.

Unlock new revenue streams and business growth

Uncover cross-selling and upselling opportunities with data-driven insights, allowing you to swiftly create personalized products that resonate with your customers. Digital lending, subscription-based services, and dynamic pricing models provide further scope to drive revenue. By delivering true value to your customers, you can develop deeper and longer-term relationships with them.

Increase share of wallet with your customers

Leverage detailed information on SMEs’ financial health to choose the right products to upsell or cross-sell to them, including working capital loans, insurance, or investment solutions. We help you identify opportunities to deliver timely, personalized offerings, designed to boost customer and business satisfaction and increase revenue.

Increase efficiency through streamlined business operations

Automate essential banking processes such as account management, loan approvals, and transaction processing. This minimizes manual work, optimizes workflows, and boosts operational efficiency. By reducing routine tasks, you can allocate resources to more strategic initiatives, with the aim of lowering operational costs and improving performance across the organization.

Deliver flexible and scalable solutions for business growth

As SMEs grow, their banking needs evolve. A robust core banking technology platform allows you to scale your services and adapt to changing customer demands without the need for expensive infrastructure overhauls. The flexibility of these systems enables you to tailor financial products and services to meet the specific needs of different business sizes and industries.

End-to-end retail and business banking

Core for Retail Banking Temenos Core for Retail enables you to offer hyper-personalized, innovative services. This flexible, fully configurable solution is available as SaaS, in the cloud, or on premise, ensuring scalability and efficiency for all bank sizes.

Core for Retail Banking

Temenos Core for Retail enables you to offer hyper-personalized, innovative services. This flexible, fully configurable solution is available as SaaS, in the cloud, or on premise, ensuring scalability and efficiency for all bank sizes.

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Digital for Retail Banking Temenos Digital for Retail enables fast, secure, and personalized services across platforms, enhancing customer experiences with frictionless transactions, and seamless omnichannel banking for better engagement and efficiency.

Digital for Retail Banking

Temenos Digital for Retail enables fast, secure, and personalized services across platforms, enhancing customer experiences with frictionless transactions, and seamless omnichannel banking for better engagement and efficiency.

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Core for Business Banking Temenos Core for Business is a cloud-native, cloud-agnostic solution that enables fast innovation, product launches, and customer-centric services, improving acquisition and loyalty with extensive business banking capabilities.

Core for Business Banking

Temenos Core for Business is a cloud-native, cloud-agnostic solution that enables fast innovation, product launches, and customer-centric services, improving acquisition and loyalty with extensive business banking capabilities.

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Digital for Business Banking Temenos Digital for Business delivers seamless banking with real-time account access, automated transactions, personalized insights, faster payments, loan access, and enhanced security, optimizing cash flow and boosting operational efficiency for growth.

Digital for Business Banking

Temenos Digital for Business delivers seamless banking with real-time account access, automated transactions, personalized insights, faster payments, loan access, and enhanced security, optimizing cash flow and boosting operational efficiency for growth.

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Payments Drive payments business growth with secure, real-time processing and accelerated product innovation. Our scalable solution helps you boost processing efficiency, elevate customer experiences, and ensure compliance in an evolving market.

Payments

Drive payments business growth with secure, real-time processing and accelerated product innovation. Our scalable solution helps you boost processing efficiency, elevate customer experiences, and ensure compliance in an evolving market.

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Financial Crime Mitigation Our award-winning (FCM) product family enables banks and financial institutions to avoid regulatory fines, detect fraud and mitigate reputational risks whilst improving throughput and optimizing costs.

Financial Crime Mitigation

Our award-winning (FCM) product family enables banks and financial institutions to avoid regulatory fines, detect fraud and mitigate reputational risks whilst improving throughput and optimizing costs.

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Islamic Banking A flexible and efficient award-winning solution, delivering Shari’ah-compliant experiences using a combination of digital and human interaction. Leverage advanced product-building capabilities and modern technology to create personalized offerings.

Islamic Banking

A flexible and efficient award-winning solution, delivering Shari’ah-compliant experiences using a combination of digital and human interaction. Leverage advanced product-building capabilities and modern technology to create personalized offerings.

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Temenos SaaS With access to core and digital banking, and proven Al capabilities, Temenos SaaS empowers you to operate swiftly, relying on proven banking solutions, while entrusting technology management to the experts.

Temenos SaaS

With access to core and digital banking, and proven Al capabilities, Temenos SaaS empowers you to operate swiftly, relying on proven banking solutions, while entrusting technology management to the experts.

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Cloud Banking With cloud experience since 2011, Temenos led the shift to innovative and efficient cloud solutions. Today, we keep perfecting ever-developing cloud-native standards, enabling banks to seamlessly adopt Temenos solutions.

Cloud Banking

With cloud experience since 2011, Temenos led the shift to innovative and efficient cloud solutions. Today, we keep perfecting ever-developing cloud-native standards, enabling banks to seamlessly adopt Temenos solutions.

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Real results

Explore all success stories

Our investments in Temenos products have allowed us to transition into a modern, digital bank with improved speed, reliability, and flexibility. These performance benefits are key enablers of our success.

Ahmed AlZikan,
Chief IT Governance Officer, Bank Albilad

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We have high expectations of Temenos, and Temenos continues to meet those expectations by helping us get innovative products to market rapidly.

Simon Beitz
CEO, Alex Bank

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Referenceability was key for us. We wanted a product that was proven in a similar size bank in Ireland using the capabilities that we were going to use and we got that from talking to some of Temenos customers. Secondly, we understood from these customers that Temenos really works with you to overcome issues to hit their dates, and in a large program that’s really important that you can be dependent on your vendor.

Spokesperson
AIB

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Industry recognition

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

IBS Intelligence’s annual Sales League Table 2023 evaluated more than 1500 banking industry deals in 2024, identifying the best-selling propositions across numerous categories.

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Temenos recognized as a Leader in The Forrester Wave™: Digital Banking Processing Platforms, Q4 2024

Temenos’ “extensive functionality across retail, SMB, and corporate banking lines” recognized in Q4 2024 Digital Banking Processing Platforms analyst report.

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Digital Core – North America: Temenos recognized as a Leader in the IDC MarketScape

Temenos named a Leader in the IDC MarketScape: North America Digital Core Banking Platforms 2024 Vendor Assessment.

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Latest news

Transforming sanctions screening is essential for banks
Transforming sanctions screening is essential for banks

Sanctions compliance is no longer just a legal obligation.

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Navigating AI’s potential in Wealth Management
Navigating AI’s potential in Wealth Management

AI is transforming wealth management in APAC and MEA, driving a major industry shift.

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QRIS, E-Wallets, digital Rupiah and BNPL
QRIS, E-Wallets, digital Rupiah and BNPL

QRIS, e-wallets, and BNPL are reshaping digital payments in Indonesia with fast, innovative solutions.

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