Integris Credit Union

Integris Credit Union, with $1.5 billion in funds under administration, is located in northern British Columbia and has continually achieved results that rival much larger institutions. As a long-standing Temenos client Integris reaffirmed its digital-first vision in 2024 by executing one of its most ambitious initiatives to date: modernizing to the latest Temenos Core version, transitioning from TAFC (Temenos Application Framework C) to TAFJ (Temenos Application Framework Java), and integrating Temenos Payments Hub (TPH) into its operations.

Behind these moves was the risk of inaction. As new technologies and disruptors continue to reshape the Canadian financial landscape, Integris understood it needed to move with the times; a digital-first, mobile-first approach.

And they needed it fast. “Time was of the essence,” said Jeff Anderson, VP Information Technology at Integris. “We had one shot to get it right.”

On their own terms

Despite the project’s scale, Jeff assembled a lean, focused team—just himself, two developers, a project manager, and a small group of testers. The decision to self-deliver allowed for total control and discipline. “You have to guard the scope of the upgrade. Don’t let it change,” Jeff emphasized. Integris also chose to continue running its systems on-premises—a rarity in today’s market but a deliberate decision to maintain operational control.

Temenos’ flexibility played a key role in this success.

With close support from Temenos and a clear strategy: move fast, minimize customizations, and align with out-of-the-box functionality—the team stayed focused on delivering a clean, agile result. “We didn’t want to carry legacy complexity forward,” Jeff said. “We wanted to come out the other side with agility, not technical debt.” The upgrade has given Integris improved operational control, a more consolidated view of its business, and a foundation for next-generation digital capabilities.

Zero payments downtime

Integris has been using Temenos Payments Hub (TPH) for several years to support e-transfers and ISO 20022-compliant messaging. The system has proved highly reliable, requiring little maintenance once configured. That gave Jeff and his team less thing to focus on.

“Through the recent upgrade, it didn’t require any changes. We were able to take it offline briefly and bring it back online without issue. That made a complex project simpler and less risky.”

Immediate results

The upgrade was completed in April 2025, and the impact was clear from day one. ‘Close of Business’ (COB) processing times dropped from over 3.5 hours to under 2. Staff gained back 1.5 hours per day through automated member notifications, which reduced the need for manual calls or emails. And audit logs improved dramatically, helping the team identify and resolve issues faster.

Even more significant was the new ability to accelerate product launches. Pre-built configurations and parameterization has made it easier to roll out services faster, with fewer technical dependencies.

Set for future success

Beyond these immediate wins, the upgrade has set Integris up for the future. Jeff explained the most valuable of these would be the number of APIs they can now access. “We can increase the efficiency of integrating with third parties. It’s going to be super-valuable.” His team has wasted no time in leveraging that new capability. Just a week after the upgrade, Jeff and his team implemented an alerting system for accounts going into overdraft —soon to be a legislative requirement in Canada—putting Integris ahead of the regulators. “We implemented that by taking some events happening on a daily basis within Temenos Core Banking and could pipe it into some other systems to automatically send alerts, which is a real strength of Temenos Core Banking,” said Jeff. They are also already working on integrations for open banking, payment rails, and mobile wallets such as Apple Pay and Google Pay. Temenos Payments Hub gives the institution a modern foundation to support this roadmap.

“The upgrade isn’t the finish line, it’s the starting point,” said Jeff. “We’ve now got the architecture to compete with fintechs and deliver services at speed.” Crucially, the transition also changed how the business and technology teams work together. With the product now driving processes (rather than the other way around), collaboration is tighter, and delivery is faster.

History of trust

As a relatively small player in the market, the scale and speed of Integris’ modernization is even more remarkable. But having worked with Temenos for years, Jeff was confident it could be achieved “The world is full of people who want to tell you that what you’re trying to do is impossible. But if you have the right people and the right technology, anything is possible.” Ultimately, it came down to trust.

Integris Credit Union Modernizing with purpose and disciplineBritish Columbia, Canada Integris logo At a Glance https://vimeo.com/1094014151/8b8361059c?ts=0&share=copy Interview with IIG Bank Regulation – the catalyst for change Al Ziyani understood that proactive innovation alone would not be enough. The bank would also need to keep pace with a continually evolving regulatory climate, to ensure any new products and features were compliant. And in 2024 and 2025, he was proven right, as the bank faced a significant challenge in adopting the upcoming SWIFT CBPR+ and SEPA Instant Payments regulations. As the bank’s operations evolved, so did its technology needs. To support future growth and ensure compliance with evolving regulations, the bank recognized the importance of a modern payment’s infrastructure, one that offers greater automation, interoperability, and scalability. “We needed a platform that would adapt to changing regulation, able to scale with us, and connect seamlessly with the outside world,” – Heytem Al Ziyani, Head of IT at IIG Bank “We needed a platform that would adapt to changing regulation, able to scale with us, and connect seamlessly with the outside world.” – Heytem Al Ziyani, Head of IT at IIG Bank IIG Bank (Malta) Ltd., established in 2010, is a fully licensed credit institution regulated by the Malta Financial Services Authority (MFSA). The bank specializes in structured, supply chain trade finance promoting international trade and commodity finance in emerging markets. Despite having a team of fewer than 50 employees and a small IT department, it ranks as the 13th largest bank in Malta. But the bank’s ambitions extend beyond Malta. “We have a global outlook,” said Heytem Al Ziyani, Head of IT at IIG Bank. “We aim to support customers and provide financial services wherever they are. “Digital is core to this vision”; but an outdated core banking system proved an obstacle to progress. “We see lots of opportunities to improve and to provide better services to our clients; but without the right technology in place, they can only be ideas.” The Bank took a bold step forward in 2017 when it adopted Temenos as its core banking system and partnered with Stoics IT for the first time for implementation. “Deep expertise and strong project discipline are always essential in these kinds of projects. With the right people in place and a clear plan, progress is achieved even better than in larger teams that are less structured. This was especially true at IIG Bank, where strong internal team alignment, together with a close partnership with Temenos and BCT, played a key role in the project’s success.” – Heytem Al Ziyani, Head of IT at IIG Bank Despite the project’s scale, Jeff assembled a lean, focused team—just himself, two developers, a project manager, and a small group of testers. The decision to self-deliver allowed for total control and discipline. “You have to guard the scope of the upgrade. Don’t let it change,” Jeff emphasized. Integris also chose to continue running its systems on-premises—a rarity in today’s market but a deliberate decision to maintain operational control. Temenos’ flexibility played a key role in this success. That flexibility in how we wanted to manage the upgrade is not something that you can do with other vendors. The people that you choose to either partner with—like Temenos, professional services or third-party partners—or your internal staff, they have to be excellent. You cannot do an upgrade on time, on budget without great people.” – Jeff Anderson, VP Information Technology at Integris With close support from Temenos and a clear strategy: move fast, minimize customizations, and align with out-of-the-box functionality—the team stayed focused on delivering a clean, agile result. “We didn’t want to carry legacy complexity forward,” Jeff said. “We wanted to come out the other side with agility, not technical debt.” The upgrade has given Integris improved operational control, a more consolidated view of its business, and a foundation for next-generation digital capabilities. “Deep expertise and strong project discipline are always essential in these kinds of projects. With the right people in place and a clear plan, progress is achieved even better than in larger teams that are less structured. This was especially true at IIG Bank, where strong internal team alignment, together with a close partnership with Temenos and BCT, played a key role in the project’s success.” – Heytem Al Ziyani, Head of IT at IIG Bank Integris has been using Temenos Payments Hub (TPH) for several years to support e-transfers and ISO 20022-compliant messaging. The system has proved highly reliable, requiring little maintenance once configured. That gave Jeff and his team less thing to focus on. “Through the recent upgrade, it didn’t require any changes. We were able to take it offline briefly and bring it back online without issue. That made a complex project simpler and less risky.” Bahwan CyberTek logo – words in black text with a blue square icon that contains a white B with ripples in it like water BCT is an exclusive sales and delivery partner for all Temenos products and solutions in India, Sri Lanka, Nepal and Bhutan. Bahwan CyberTek logo – words in black text with a blue square icon that contains a white B with ripples in it like water BCT is an exclusive sales and delivery partner for all Temenos products and solutions in India, Sri Lanka, Nepal and Bhutan. “Deep expertise and strong project discipline are always essential in these kinds of projects. With the right people in place and a clear plan, progress is achieved even better than in larger teams that are less structured. This was especially true at IIG Bank, where strong internal team alignment, together with a close partnership with Temenos and BCT, played a key role in the project’s success.” – Heytem Al Ziyani, Head of IT at IIG Bank https://vimeo.com/1094014151/8b8361059c Interview with IIG Bank Regulation – the catalyst for change Al Ziyani understood that proactive innovation alone would not be enough. The bank would also need to keep pace with a continually evolving regulatory climate, to ensure any new products and features were compliant. And in 2024 and 2025, he was proven right, as IIG faced a significant challenge in adopting the upcoming SWIFT CBPR+ and SEPA Instant Payments regulations. As the bank’s operations evolved, so did its technology needs. To support future growth and ensure compliance with evolving regulations, the bank recognized the importance of a modern payment’s infrastructure, one that offers greater automation, interoperability, and scalability. https://vimeo.com/1094014151/8b8361059c Interview with IIG Bank At a Glance • One of the first banks in Malta to go live with SEPA Instant Payments. • Transaction times reduced to seconds, with 24/7 availability. • Compliance with SWIFT CBPR+ and TIPS, the European Central Bank’s instant payment settlement platform. IIG Bank (Malta) Ltd., established in 2010, is a fully licensed credit institution regulated by the Malta Financial Services Authority (MFSA). ● Successful self-delivered modernization of Temenos Core to R24. ● Transition to Temenos Application Framework Java (TAFJ) in parallel. ● ‘Close of Business’ (COB) processing time reduced from over 3.5 hours to under 2. ● 1.5 staff hours saved daily through automated member alerts. ● Faster third-party integration via regional APIs. Integris Credit Union, with $1.5 billion in funds under administration, is located in northern British Columbia and has continually achieved results that rival much larger institutions. As a long-standing Temenos client Integris reaffirmed its digital-first vision in 2024 by executing one of its most ambitious initiatives to date: modernizing to the latest Temenos Core version, transitioning from TAFC (Temenos Application Framework C) to TAFJ (Temenos Application Framework Java), and integrating Temenos Payments Hub (TPH) into its operations. Behind these moves was the risk of inaction. As new technologies and disruptors continue to reshape the Canadian financial landscape, Integris understood it needed to move with the times; a digital-first, mobile-first approach. And they needed it fast. “Time was of the essence,” said Jeff Anderson, VP Information Technology at Integris. “We had one shot to get it right.” “We needed a platform that would adapt to changing regulation, able to scale with us, and connect seamlessly with the outside world.” – Heytem Al Ziyani, Head of IT at IIG Bank On their own terms “We needed a platform that would adapt to changing regulation, able to scale with us, and connect seamlessly with the outside world.” – Heytem Al Ziyani, Head of IT at IIG Bank Despite the project’s scale, Jeff assembled a lean, focused team—just himself, two developers, a project manager, and a small group of testers. The decision to self-deliver allowed for total control and discipline. “You have to guard the scope of the upgrade. Don’t let it change,” Jeff emphasized. Integris also chose to continue running its systems on-premises—a rarity in today’s market but a deliberate decision to maintain operational control. Temenos’ flexibility played a key role in this success. “That flexibility in how we wanted to manage the upgrade is not something that you can do with other vendors. The people that you choose to either partner with—like Temenos, professional services or third-party partners—or your internal staff, they have to be excellent. You cannot do an upgrade on time, on budget without great people.” – Jeff Anderson, VP Information Technology at Integris Zero payments downtime “Through the recent upgrade, it didn’t require any changes. We were able to take it offline briefly and bring it back online without issue. That made a complex project simpler and less risky.” Immediate results “Through the recent upgrade, it didn’t require any changes. We were able to take it offline briefly and bring it back online without issue. That made a complex project simpler and less risky.” We saw improvements immediately after go-live. The system’s responsiveness, the logging, the automation, it all worked.” – Jeff Anderson, VP Information Technology at Integris “Time was of the essence,” “We had one shot to get it right.” Jeff Anderson, VP Information Technology at Integris. The upgrade was completed in April 2025, and the impact was clear from day one. ‘Close of Business’ (COB) processing times dropped from over 3.5 hours to under 2. Staff gained back 1.5 hours per day through automated member notifications, which reduced the need for manual calls or emails. And audit logs improved dramatically, helping the team identify and resolve issues faster. “In modern banking, you need to be able to connect to a network of solutions. The strength of Temenos is its adaptability. We can integrate with any platform, comply with new regulations, and roll out new services quickly.” – Heytem Al Ziyani, Head of IT at IIG Bank The upgrade was completed in April 2025, and the impact was clear from day one. ‘Close of Business’ (COB) processing times dropped from over 3.5 hours to under 2. Staff gained back 1.5 hours per day through automated member notifications, which reduced the need for manual calls or emails. And audit logs improved dramatically, helping the team identify and resolve issues faster. “We saw improvements immediately after go-live. The system’s responsiveness, the logging, the automation, it all worked.” – Jeff Anderson, VP Information Technology at Integris Even more significant was the new ability to accelerate product launches. Pre-built configurations and parameterization has made it easier to roll out services faster, with fewer technical dependencies. Set for future success Beyond these immediate wins, the upgrade has set Integris up for the future. Jeff explained the most valuable of these would be the number of APIs they can now access. “We can increase the efficiency of integrating with third parties. It’s going to be super-valuable.” His team has wasted no time in leveraging that new capability. Just a week after the upgrade, Jeff and his team implemented an alerting system for accounts going into overdraft —soon to be a legislative requirement in Canada—putting Integris ahead of the regulators. “We implemented that by taking some events happening on a daily basis within Temenos Core Banking and could pipe it into some other systems to automatically send alerts, which is a real strength of Temenos Core Banking,” said Jeff. They are also already working on integrations for open banking, payment rails, and mobile wallets such as Apple Pay and Google Pay. Temenos Payments Hub gives the institution a modern foundation to support this roadmap. “The upgrade isn’t the finish line, it’s the starting point,” said Jeff. “We’ve now got the architecture to compete with fintechs and deliver services at speed.” Crucially, the transition also changed how the business and technology teams work together. With the product now driving processes (rather than the other way around), collaboration is tighter, and delivery is faster. History of trust “We knew the platform. We trusted it. And we knew we had the right people on both sides to make it work. By staying true to the core product and avoiding unnecessary complexity, Integris has laid the foundation for future innovation, scalability, and member-centric service. We’ve got a solution that can move at the pace we want, and scale as we grow, to wherever our members need us to be next.” – Jeff Anderson, VP Information Technology at Integris logo bahwan cybertech We partnered successfully with: BCT is an exclusive sales and delivery partner for all Temenos products and solutions in India, Sri Lanka, Nepal and Bhutan. Learn more about BCT With the upgrading of the core and the payments layers, IIG is exploring automation in areas such as customer onboarding and fraud detection. Temenos Financial Crime Mitigation (FCM) already plays a central role in AML and transaction screening, and AI is firmly on the roadmap for future capabilities. logo bahwan cybertech BCT is an exclusive sales and delivery partner for all Temenos products and solutions in India, Sri Lanka, Nepal and Bhutan. Learn more about BCT https://vimeo.com/1094014151/8b8361059c Interview with IIG Bank • One of the first banks in Malta to go live with SEPA Instant Payments. • Transaction times reduced to seconds, with 24/7 availability. • Compliance with SWIFT CBPR+ and TIPS, the European Central Bank’s instant payment settlement platform. Even more significant was the new ability to accelerate product launches. Pre-built configurations and parameterization has made it easier to roll out services faster, with fewer technical dependencies. “In modern banking, you need to be able to connect to a network of solutions. The strength of Temenos is its adaptability. We can integrate with any platform, comply with new regulations, and roll out new services quickly.” – Heytem Al Ziyani, Head of IT at IIG Bank As a relatively small player in the market, the scale and speed of Integris’ modernization is even more remarkable. But having worked with Temenos for years, Jeff was confident it could be achieved “The world is full of people who want to tell you that what you’re trying to do is impossible. But if you have the right people and the right technology, anything is possible.” Ultimately, it came down to trust. We knew the platform. We trusted it. And we knew we had the right people on both sides to make it work. By staying true to the core product and avoiding unnecessary complexity, Integris has laid the foundation for future innovation, scalability, and member-centric service. We’ve got a solution that can move at the pace we want, and scale as we grow, to wherever our members need us to be next.” – Jeff Anderson, VP Information Technology at Integris We partnered successfully with: BCT is an exclusive sales and delivery partner for all Temenos products and solutions in India, Sri Lanka, Nepal and Bhutan. Learn more about BCT https://vimeo.com/1094238609/1a53ba5c95 Interview with Integris But the bank’s ambitions extend beyond Malta. “We have a global outlook,” said Heytem Al Ziyani, Head of IT at IIG Bank. “We aim to support customers and provide financial services wherever they are. “Digital is core to this vision”; but an outdated core banking system proved an obstacle to progress. “We see lots of opportunities to improve and to provide better services to our clients; but without the right technology in place, they can only be ideas.” The Bank took a bold step forward in 2017 when it adopted Temenos as its core banking system and partnered with Stoics IT for the first time for implementation. “In modern banking, you need to be able to connect to a network of solutions. The strength of Temenos is its adaptability. We can integrate with any platform, comply with new regulations, and roll out new services quickly.” – Heytem Al Ziyani, Head of IT at IIG Bank “Our future is digital. And with Temenos, we have the platform and the partner to keep evolving, while maintaining the focused, lean operating model that we value.” – Heytem Al Ziyani, Head of IT at IIG Bank logo bahwan cybertech We partnered successfully with: BCT is an exclusive sales and delivery partner for all Temenos products and solutions in India, Sri Lanka, Nepal and Bhutan. Learn more about BCT Learn more about BCT We partnered successfully with: logo bahwan cybertech BCT is an exclusive sales and delivery partner for all Temenos products and solutions in India, Sri Lanka, Nepal and Bhutan. Learn more about BCT BCT is an exclusive sales and delivery partner for all Temenos products and solutions in India, Sri Lanka, Nepal and Bhutan. Learn more about BCT logo bahwan cybertech BCT is an exclusive sales and delivery partner for all Temenos products and solutions in India, Sri Lanka, Nepal and Bhutan. Learn more about BCT Watch video