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Temenos for Inclusive and Community Banking

A scalable, world-class solution bringing ultimate efficiency to banking to enable financial inclusion around the world.

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Driving financial inclusion for the unserved and underserved

With rapid deployment of inclusive banking products through digital and physical distribution channels, you can expand access to financial services, accelerate time-to-market, and drive sustainable growth and lasting impact with Temenos Financial Inclusion. It is a pre-configured, integrated solution built on Temenos Core and Digital, designed for institutions serving the unserved and underserved.

Quality products, purpose-built for inclusion

Temenos Financial Inclusion provides ready-to-use, configurable banking products tailored to underserved communities, allowing you to offer relevant, inclusive services – from microloans to savings – quickly and confidently. Built-in product wizards simplify creation, while robust templates are designed for compliance and consistency across offerings. This enables high-quality service delivery that meets both community needs and institutional standards.

Greater efficiency across every operation

Designed with automation and user experience in mind, the solution streamlines both front and back-office tasks. Role-based dashboards, task managers, and workflow tools drive productivity and reduce the need for manual work. With a 360-degree customer view and real-time data access, institutions can serve more customers, faster, improving efficiency without compromising service quality.

Lower costs, greater revenue potential

With flexible deployment options (on premise, cloud, or SaaS), Temenos Financial Inclusion aims to reduce infrastructure costs while enabling seamless scaling and continuous updates. Institutions only pay for what they use, ensuring cost-efficiency without compromising functionality. Combined with increased productivity and rapid product rollout, the platform is designed to drive long-term savings and open new revenue opportunities, even in resource-constrained environments.

Increased agility and faster time-to-market

With a pre-configured setup and intuitive tools, you can launch new services in as little as four months. The solution supports fast adaptation to regulatory changes and evolving customer needs. Built to scale, it empowers financial institutions to grow and innovate quickly without delays, complexity, or disruption.

Purpose-built features to power inclusive banking at scale

Temenos Financial Inclusion delivers targeted, high-impact capabilities tailored for inclusive, community, and microfinance banking. Each feature is designed to accelerate delivery, simplify operations, and expand access without the complexity of traditional core banking systems.

Go live faster

Accelerate time-to-market with a fully pre-configured model bank.

Process-guided product builder

Launch products easily using guided workflows and embedded best practices.

Straight-through-processing

Automate operations across departments for speed, scale, and risk control.

Inclusive finance focus

Deliver services to unbanked populations with built-in inclusion capabilities.

Real results

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Over 23 years Temenos has proved to be a robust system that can grow with your strategy. It can take you to where you want to be. You can start as a small microfinance business, but then move into trade financing, treasury, and other banking areas. There are no limitations to what it can do.

Jacinta Kamemba
Global Director of Digitization, VisionFund

VisionFund

Temenos is really investing into this market. Having such a tailored platform for inclusive finance, dedicated to microfinances, is something that Temenos does in a fantastic way that no other company matches. It illustrates that they are not simply a traditional vendor, but a partner that is helping to grow our business and the entire sector.

Rob Keijsers
Chief Digital and Information Officer, ASA International

Explore ASA International's story

Temenos Financial Inclusion enables us to develop innovative services that increase financial inclusion and help hundreds of thousands of disadvantaged Ghanaians to achieve a brighter and happier future for themselves.

King Asante-Frempong
Head of IT/MIS, Sinapi Aba Savings and Loans

Explore Sinapi Aba Savings and Loans' story

Temenos continues to be at the heart of our business. It is much more than a technology. We have a great rapport with Temenos. They are sensitive to our needs and our timeframes. They add value with every capability they provide.

Sudesh Puthran
Chief Technology Officer, CreditAccess Grameen

Explore CreditAccess Grameen's story

Frequently asked questions

In this section, you’ll find answers to some of the most common queries about Temenos Financial Inclusion. If you don’t find what you’re looking for, feel free to reach out — we’re happy to help!

Purpose-built for inclusive, community, and microfinance banking, Temenos Financial Inclusion combines pre-integrated product wizards, real-time automation, and omnichannel capabilities. These are designed to accelerate time-to-market, lower operational costs, and enable seamless scalability without the need for complex customization or heavy infrastructure.

Built for banks with financial inclusion initiatives, including microfinance providers, community banks, credit unions, challenger banks, inclusive banking institutions, non-bank financial institutions, and small or start-up banks. It is used by clients starting up with no members or accounts, and up to as many as 7 million accounts, all with the same configuration – helping them serve the unbanked and underbanked with relevant products and scalable, efficient delivery across diverse markets and communities.

Temenos Financial Inclusion is built on a pre-configured model bank with over 20 years of inclusive banking expertise embedded in its design. This allows financial institutions to go live in as little as four months – reducing time, cost, and complexity while enabling rapid delivery of inclusive products and services.