
End-to-End Retail Banking
An open, cloud-native platform for agile retail banking transformation. Adapt at speed, drive contextual customer interactions and innovate around existing systems with composable front-to-back capabilities across the retail banking value chain.

The agile retail bank for lifestyle banking
A SaaS platform for retail banking to increase architectural flexibility, product agility, and customer engagement to deliver more personalized products and experiences, spur profitability and drive growth. Temenos’s cloud-native platform and microservices-enabled banking capabilities enable you to innovate fast and build for change. Assemble our capabilities across digital and core banking, payments, risk, data analytics, AI and more. Drop-in new services to innovate around existing cores, and create new solutions easily by combining Temenos and third-party capabilities.
Specialized Solutions

Buy Now Pay Later on the Temenos Banking Cloud
Driven by Explainable AI, our Buy Now, Pay Later solution is delivered as a service for banks and non-banks, to help businesses increase and accelerate their sales cycle by embedding variable instalment loans at the point of sale.

Temenos for Challenger Banks
SaaS-first banking solutions for neobanks, to launch innovative new banking services fast, scale with confidence, deliver disruptive customer experiences, and build your own ecosystem.

Temenos for Financial Inclusion
A packaged model bank solution to rapidly deploy inclusive banking products through digital and physical distribution channels and increase access to financial services.

A complete set of front-to-back capabilities, delivered on an open platform for composable banking, enables retail banks to rapidly launch new products and services and adapt to customer needs, while reducing the risk and time associated with replacement projects. By combining best-of-breed digital and core banking capabilities, with third-party and incumbent applications, retail banks can progressively renovate their IT landscape and deploy new services faster, more cost-effectively, and at scale.
Measurable success
20%
better cross-sell*
45%
higher front office STP*
19%
higher operations STP*
44%
more of IT spend on growth and innovation*
*Comparison from Temenos CEO Navigator between banks live with Temenos Enterprise Solutions and Services and those who are not
Temenos Retail Banking Modernization Demo
Explore the value and benefits of Temenos Banking Cloud for retail banking modernization. In this demo, Inno Bank are looking to modernize their technology to react faster to market, client and regulatory demands.
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about our solution for end-to-end retail banking
The Gartner Magic Quadrant lists Temenos as a market-leader, which inspired a lot of confidence. Temenos also has proven experience helping many other challenger banks to launch quickly. We liked how easy it is to customize Temenos solutions, along with the rich API capabilities, which would help us connect with partners and support Open Banking initiatives.”
Cristina Toniazzo
Head of Happiness, Caring & Services Operations, Flowe
The new Digital Bank will deliver a truly differentiated and exciting experience. Importantly, Virgin Money Australia is uniquely positioned to build on existing relationships with more than 200,000 loyal customers and a home loan portfolio that has quickly grown to more than $3 billion to effectively compete in the Australian market with challenger and incumbent banks alike.”
Greg Boyle
CEO, Virgin Money Australia

In challenging times such as these, it is more vital than ever to be able to adapt to changing business and customer requirements simply, safely and swiftly. By working with Temenos and Syncordis we will be able to future-proof our digital banking platform to provide our valued customers with outstanding service and a seamless customer experience.”
James Pountney
Chief Executive Officer, Santander International

Temenos offers an excellent long-term roadmap for client mobile banking that helps us to understand where the market is heading, and how we can harness new functionality to stay ahead. Whatever the future holds, we know Temenos will provide the expertise and solutions we need to innovate and succeed.”
Kyra Arcia Marcano
Chief of Innovation and Marketing, Banco Bolivariano
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Attract and onboard new customers
We recognize that improving existing customer engagement and increasing share of wallet, while also attracting new customers and increasing conversion rates, is a key strategic priority. Temenos helps you do all of this by enabling you to achieve faster time-to-market across all channels, and deliver differentiated and highly personalized product offers to convert prospects into customers, with seamless onboarding capabilities for the optimal customer experience.

Enhance customer loyalty
To maximize wallet share and revenue explore your existing customer base and find new opportunities to offer financial products that help them achieve their life goals. Our embedded analytics with conversational customer insight and experience engine allows you to do this based on actionable and contextual insights and digital marketing campaigns.

Customer personalization
Retail banking is based on understanding customers and then designing, creating and marketing new products that directly address or anticipate their needs. Our retail banking software leverages embedded predictive analytics to help you better understand your customers. With flexible experience and product engines, you can provide relevant and precise products at the right time.

Agile core banking and products
With our flexible product design capabilities implement new services and create new products in hours, not days or months – and at a fraction of the cost. Our extensive API catalogue and low-code extensibility framework enable system and capability extensions and innovations which can be created and deployed easily and quickly.

Next-generation payments
Accelerate growth, increase process efficiencies, and enhance service innovations with SaaS-first, next-generation payments technology. Our solution capabilities cover the complete payments lifecycle from order intake to clearing and settlement. Our solutions are designed to work successfully both separately or together, via SaaS, cloud, or on-premise, providing the flexibility to tailor payment solutions to suit simple, complex and diverse needs of customers.

Accurately detect financial crime
Covering watchlist screening, anti-money laundering, fraud prevention and KYC, our uniquely flexible range of intelligent and versatile solutions enhance detection and reduce cost.

Manage risk
Address fraud, remain compliant with regulations and manage risk with our modular products for regulatory compliance.

Reduce time-to-market
Fast time-to-market is not only predicated on design but also on how quickly marketing campaigns and other digitally-available supporting materials can be created. Our end-to-end retail banking solution allows you to do precisely this, with an integrated front-to-back capability where needed, or an API-driven quick integration strategy where it’s more relevant.

Efficiently localize
Regional functionality for over 150 countries using our packaged model bank framework to go-live faster.

Lower total cost of ownership
Technology, and our customers’ expectations, change faster than ever. We understand the constraints of fixed costs, infrastructure and operational models. We can help cut through those with cloud-native and cloud-agnostic solutions that can be run on-premise or in the cloud.
#1 Best-Selling Banking Software for Digital, Core Banking, Payments and Risk & Compliance in IBS Sales League Table 2021
Temenos’ cloud-native, AI-powered technology was recognized for leadership in nine categories, up from six last year
Temenos Recognized as a Leader in The Forrester Wave™
Temenos was named a leader among Digital Banking Engagement Platform providers according to The Forrester Wave™: Digital Banking Engagement Platforms, Q3 2021.
Temenos Named a Leader for 12th Time in Gartner 2022 Magic Quadrant for Global Retail Core Banking
Positioned furthest for ‘completeness of vision’ in the Leaders’ quadrant
The Future of Retail Banking and the Case for Digital Transformation
The widespread uptake of disruptive new technologies is exacerbating the pressures facing retail banking today, thereby driving a fundamental change in the structure of the industry: the digital-driven disintermediation of the banking value chain.