Solutions

Retail Banking

Temenos provides retail banks with agility and freedom to innovate front-to-back using the latest cloud and API technology.

Retail Banking Solution

A key focus for retail banking is the acquisition of new customers and the growing of wallet-share for existing customers. This requires a front-to-back focus, complete with high levels of AI-driven customer insight enabling you to utilize a flexible product engine to offer your customers a personalized, relevant experience at the right time.

Customer personalization

Customer Personalization

Retail banking is based on understanding customers, creating and marketing new products that directly address their needs. Temenos retail banking software uses predictive embedded 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.

Retail Banking - Arched white architecture

Improve Product Agility

Temenos’ products use flexible and hierarchical product design capabilities to ensure that you can design and implement new products in the shortest possible time when new opportunities arise and establish yourself as a market leader. This capability is enhanced by the availability of more than 700 open APIs, which enable system extensions and innovations to be created and deployed easily and quickly.

Retail Banking - Train Platform

Reduce Time to Market

Fast time to market is not only predicated on design but also on how quickly marketing campaigns and other digital support materials can be created. Temenos’ end-to-end retail banking solutions allow you to do precisely this, with an integrated front-to-back capability where needed, or an API-driven quick integration strategy where that is more relevant.

Retail Banking - Men applying for new account on a laptop

Attract & Onboard New Customers

One of your key priorities is selling more products to existing customers. Even greater growth, however, can be derived from attracting new customers, onboarding them digitally and offering them relevant products using information gathered during the early customer journey stages. Temenos Infinity’s solution for digital banking lets you do just this, with experience and capability in many different jurisdictions with different customer compliance approaches.

Enhance Customer Loyalty

In order to maximize wallet share and revenue, it makes sense to explore your existing customer base and find new opportunities to sell products to people who you already deal with. Temenos’ embedded analytics with conversational customer insight and experience engine allows you to do this, based around actionable, context-specific insights and digital marketing campaigns.

Retail Banking - Piggy Bank

Lower Total Cost of Ownership

The world of retail banking is moving faster than ever. You need to be able to respond to this without being constrained by fixed costs, infrastructures and operational models. Temenos’ solutions are cloud-native and cloud-agnostic, meaning that they can be run either on-premise or in the cloud where they can take advantage of the elastic scalability of cloud infrastructures.

Bank of Shanghai Success Story - Pagoda near water, Hangzhou, China

“Temenos Transact has enabled Bank of Shanghai to launch a number of truly innovative and pioneering products, in particular by combining corporate and retail products. Not only that, but Temenos Transact has also dramatically reduced the time to market for new products – by a factor of several times.”

Mr. Zhao Gang, General Manager – Product Innovation Department – Bank of Shanghai
Read the Success Story

Products

Temenos Infinity for Retail Banking

Removes the complexity of day-to-day banking activities and puts people in control of their financial lives. The solution provides a complete digital platform for retail banks covering the entire customer lifecycle delivering digital applications and outstanding customer experiences across every channel.

Temenos Transact for Retail Banking

Temenos Transact Retail Banking offers a functionally rich, flexible and agile core processing engine that enables your institution to offer personalized, customer-relevant products, while allowing for lower operational costs and increased ROE

Temenos Payments

A universal end-to-end payments solution based on ISO 20022 standards and support for all payment types.

Temenos Financial Crime Mitigation

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

Temenos Analytics

A comprehensive Reporting, Analytics and Business Intelligence product allowing banks to be more efficient and profitable by providing robust, banking specific, financial, profitability, customer, and digital analytics.

Customer Success Stories

AIB – Success Story

Arab Investment Bank is one of the fastest-growing banks in Egypt, specializing in personal, business, investment, and Islamic banking. To build on its success, the bank initiated a digital transformation…

Al Rajhi – Success Story

In early 2018, Al Rajhi Bank began investigating breakthrough technologies like Blockchain, and was poised to introduce fingerprint identification and electronic signatures.
Retail Banking - New Taipei City, Taiwan Coastline

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

Tom Lin, Executive Vice President – O-Bank
Read the Success Story

You’re in Good Company

Temenos Platform

Cloud-Native, Cloud-Agnostic

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

APIs & Extensibility

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

Microservices & Containers

Microservice architectures enable continuous application upgrades and cloud scalability.

Distributed Database

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

Temenos Continuous Deployment – DevOps

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

Security & Immutable Logging

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

AI & Machine Learning

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

Multiexperience Development Platform

Deliver a best-in-class user experience as a consistent and seamless multiexperience digital journey across various touch points and modes of interactions.

Video

PBCOM – Video Testimonial

Powered by Temenos, PBCOMobile is the new mobile banking service of PBCOM, one of the largest Philippine commercial banks. Listen to John Medina, Vice President & COO of PBCOM and find out how PBCOM became the first commercial bank in the Philippines approved to run its core banking system in the cloud.
White Paper and Report

Open Banking and The Rise of Banking-as-a-Service

In order to succeed in open banking, incumbent banks running on legacy-based architectures need to digitally transform by acquiring critical new technology capabilities, enabled by partnerships with innovative banking software…
Video

Silkbank – Video Testimonial

Silkbank, a leading commercial and Islamic bank in Pakistan, recently went live with Temenos Infinity to accelerate its digital transformation initiatives. Learn in this video how Silkbank is making life better for its customers.

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