Banco da Amazônia Accelerating a nationwide digital transformation with Temenos Belém, Brazil Banco da Amazônia (BASA), a leading Brazilian development bank, selected Temenos to power its digital transformation and expand its reach across Brazil. Founded in 1942 and headquartered in Belém, BASA serves over 1 million customers through 120 branches. With a strong mandate to drive sustainable economic development in the Amazon region, the bank is evolving into a digitally scalable institution with national ambitions. The bank is adopting Temenos Core, Digital and Payments solutions to modernize its retail, SME and wholesale banking operations, alongside the launch of a new digital super-app. This transformation is enabling BASA to scale nationally, improve operational efficiency and deliver inclusive financial services beyond its traditional footprint in northern Brazil. Following a competitive evaluation process, BASA is replacing its legacy core systems with Temenos’ modern banking platform. This transformation supports the bank’s ambition to triple its microcredit portfolio, reduce reliance on government-subsidized credit, and diversify revenue streams through new digital products. Temenos’ technology enables fully digital client onboarding and servicing, helping BASA reach underbanked and remote communities. Its agile platform also supports the rapid rollout of new offerings in retail investment, SME lending and personal credit, while enhancing support for Brazil’s instant payments ecosystem with 24/7 Pix transactions delivering improved speed, reliability and scalability. https://vimeo.com/1094014151/8b8361059c PLACEHOLDER https://vimeo.com/1124259931/df78107869 bank Pioneering Composable Digital Banking in Saudi Arabia Riyadh, Saudi Arabia Watch video Banco da amazonia logo BforBank’s journey with Temenos Core on Google Cloud and Temenos Payments Hub showcases how a forward-thinking digital bank can harness composable banking and cloud innovation to drive operational excellence, accelerate growth, and redefine customer empowerment in the financial sector. These strategic technology choices highlight BforBank’s unwavering commitment to leveraging leading-edge technology to deliver superior banking experiences and sustain long-term growth. There were vendors pitching very aggressively, but with no track record in our market. And you can’t risk that. For a massive project like this, you need someone you can trust.” – Amr El-Garhy, CEO & MD, MIDBANK Automating Payments for Enhanced Efficiency and Scalable Growth Temenos was attentive at the moments that really mattered.They brought in more resources when needed, stayed close to the project, and showed genuine commitment to our success.” – Amr El-Garhy, CEO & MD, MIDBANK Selecting Temenos Payments Hub was a natural progression for us. Its native automation and seamless integration with our Temenos core banking stack empower our teams to focus on innovation rather than manual processing. We’re confident this will help us deliver faster, more reliable payment services to our customers as we scale across new markets.” Pascale Monnerie, Head of Banking Platform at BforBank We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” – Amr El-Garhy, CEO & MD, MIDBANK We have proudly partnered with: The outcome of that exercise was the selection of Facilities Lending and Club Loan modules of Arrangement Architecture (AA), that are offered within Temenos Core. Temenos went on to lead the business requirements design phase, with Systems Arabia (formerly NDC) providing implementation support and integration expertise. Go-live was achieved in November 2024, with immediate results Recently, BforBank extended its partnership with Temenos by adopting the Temenos Payments Hub. This decision was driven by the desire to eliminate manual processes and accelerate straight-through processing (STP) across various asset classes. BforBank sought to leverage native automation capabilities within Temenos, rather than develop workflows internally – a strategy designed to protect the long-term viability and upgradability of its systems. By relying on proven, upgradable technology, the bank aimed to maximize the benefits of its existing Temenos core banking solution, improve return on investment, and reduce manual intervention in payments management and SEPA direct debit processing. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS BforBank’s journey with Temenos Core on Google Cloud and Temenos Payments Hub showcases how a forward-thinking digital bank can harness composable banking and cloud innovation to drive operational excellence, accelerate growth, and redefine customer empowerment in the financial sector. These strategic technology choices highlight BforBank’s unwavering commitment to leveraging leading-edge technology to deliver superior banking experiences and sustain long-term growth. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS We have proudly partnered with: ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Explore our solutions Hamilton Reserve Bank strives to create products tailored to meet the unique requirements of its global clients that value speed, safety, and privacy. Similarly, the bank aims to make every client interaction an easy, fast, secure, and frictionless experience — from new account onboarding 100% online to fast payments executed in seconds and 24/7 digital access allowing multiple signers and controls in omnibus accounts; all backed up with robust security, privacy, and top compliance measures. The bank chose Temenos for its highly reputable and dependable core banking system with exceptional transaction and real-time monitoring capabilities demanded by large global correspondent banks. “Our previous core banking tools had limited integration capabilities,” adds Akinnia Glasgow. “Key processes such as manual client onboarding could take 5 days for staff to approve account applications. As customer onboarding exploded with many new account applications waiting to be processed, we had to scale our global operations through a fresh approach. The flexible Temenos modules became our solution after we had rejected many others. We signed an 11-year agreement with Temenos as a key partner and devoted a US$30 million IT budget to build a large bank well positioned to serve a worldwide client base. We are very pleased and have not looked back since.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Our payments business is not simple. We need a payment hub that can manage third-party flows, and Temenos Payments gave us the flexibility to build around that complexity.” Sophoklis Argyrou, CEO of Bank of Beirut UK. The bank worked closely with LTIMindtree, Temenos’ preferred partner in the region. “LTIMindtree delivered the project with professionalism and care. We had confidence in them from the start, and they validated that confidence throughout,” Sophoklis said. “For this transformation, tight collaboration was essential,” said Hemal Jayasinghe, Chief Business Officer, at LTIMindtree. “Bank of Beirut UK, Temenos, and our delivery team worked as one from day one – aligning on priorities, managing the regulatory environment, and solving challenges together.” ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Temenos Wealth Management A single platform of independent capabilities unifying digital, portfolio management, data, and core for wealth and private banking. Explore our solution Woman writing on clipboard at desk Data Hub Transform banking with real-time data, AI acceleration, and seamless integration. Explore our solution ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Moving to Temenos on Google Cloud will empower BforBank with hyperscale agility, flexibility, and scalability, enabling it to accelerate the launch of innovative services, while significantly reducing operational costs. Transitioning from an on-premise implementation to a fully cloud-native, API-first architecture positions the bank to seize new growth opportunities and achieve greater efficiency at scale. BforBank’s vision is ambitious: it aims to reach three million customers by 2030 and expand its footprint beyond France into multiple international markets. By harnessing its digital-first strategy and advanced technology stack, the bank is poised to transform its business model and deliver exceptional customer experiences across borders. Close ties Temenos offered MIDBANK more than just software. Its local presence, proven track record in Egypt, and strong ecosystem of partners brought credibility and confidence to a high-stakes transformation. Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. b Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Real impact, right away The project went live in just over 12 months. And while formal ROI assessments are scheduled for the next phase, the immediate feedback has been clear – especially from frontline teams. “The trade finance team told us straight away – it’s more capable, more efficient,” Sophoklis shared. “They can process faster and with more confidence.” Operationally, the system has already unlocked key improvements: Dramatically expanded management information (MI) and reporting capabilities Significantly improved data visibility across operations “The data visibility is miles ahead of what we had before,” Sophoklis said. “The MI potential is limitless. Control and security have also improved, giving senior leadership greater confidence. “We feel more secure, knowing we’re operating on an up-to-date platform with proper controls,” added Sophoklis. A platform built for ambition The transformation is about more than modernization – it’s about enabling a different kind of bank. While 80–85% of the business today remains wholesale-focused, the target is to reach a 60/40 split between wholesale and retail/private banking. “We’re expanding our offering to the Lebanese diaspora – high-net-worth clients who want a secure, personalized service,” Sophoklis explained. “The new platform gives us the agility to grow without compromising our core.” The goal is clear: grow the customer base threefold within three to five years, starting from mid-2026. A true partnership and a path forward ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Read more about Google Cloud Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Learn more about LTIMindtree Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories We’re investing in cutting-edge technology to build a more efficient, diversified and sustainable bank. Temenos’ proven platform and global expertise will help us to expand our services at a lower cost, bringing inclusive digital services to consumers and small businesses across Brazil.” Luiz Lessa, CEO of Banco da Amazônia https://vimeo.com/1158984519/4d72d33443 SS For Sophoklis, the transformation is as much about partnership as it is about product. “Temenos didn’t just sell us software. They supported us through a complex journey – technically and strategically,” he said. Looking ahead, the bank plans to build on this foundation with greater automation, product innovation, and data-led insights. One area of potential evolution: regulatory reporting. With its modern platform live, a trusted partner ecosystem in place, and an ambitious strategy for expansion, Bank of Beirut UK is positioned to lead – efficiently, securely, and at scale. “This is just the beginning,” Sophoklis said. “We now have a foundation that supports where we’re going – not just where we’ve been.” We have proudly partnered with: LTI Mindtree logo Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Driving Transformation Through Cloud-Native Banking and Scalable Innovation Google Cloud logo Read more about Google Cloud Google Cloud logo Expanding reach and improving efficiency through digital transformation Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution
Temenos Solution: Digital banking
Banco da Amazônia
Accelerating a nationwide digital transformation with Temenos
Belém, Brazil
Banco da Amazônia (BASA), a leading Brazilian development bank, selected Temenos to power its digital transformation and expand its reach across Brazil. Founded in 1942 and headquartered in Belém, BASA serves over 1 million customers through 120 branches. With a strong mandate to drive sustainable economic development in the Amazon region, the bank is evolving into a digitally scalable institution with national ambitions.
Expanding reach and improving efficiency through digital transformation
The bank is adopting Temenos Core, Digital and Payments solutions to modernize its retail, SME and wholesale banking operations, alongside the launch of a new digital super-app. This transformation is enabling BASA to scale nationally, improve operational efficiency and deliver inclusive financial services beyond its traditional footprint in northern Brazil.
Following a competitive evaluation process, BASA is replacing its legacy core systems with Temenos’ modern banking platform. This transformation supports the bank’s ambition to triple its microcredit portfolio, reduce reliance on government-subsidized credit, and diversify revenue streams through new digital products.
Temenos’ technology enables fully digital client onboarding and servicing, helping BASA reach underbanked and remote communities. Its agile platform also supports the rapid rollout of new offerings in retail investment, SME lending and personal credit, while enhancing support for Brazil’s instant payments ecosystem with 24/7 Pix transactions delivering improved speed, reliability and scalability.
We’re investing in cutting-edge technology to build a more efficient, diversified and sustainable bank. Temenos’ proven platform and global expertise will help us to expand our services at a lower cost, bringing inclusive digital services to consumers and small businesses across Brazil.”
Luiz Lessa, CEO of Banco da Amazônia
Core Banking
Consistently deliver innovative, modular and comprehensive core banking.
Financial Crime Mitigation
A single product family for fast compliance, protection and time to value.
BNI Madagascar
Reimagining Digital Banking for a New Generation
Antananarivo, Madagascar
At a Glance
• Launch of a highly customized Temenos Digital Banking platform
• Bespoke UX/UI reflecting BNI’s brand identity
• Seamless integration by Orion with core banking and third-party systems
• Modern, scalable platform designed for future growth
• Strong user adoption and positive customer feedback post go-live
BNI Madagascar, the first Malagasy bank, has long played a central role in supporting inclusive economic growth across the country. With a strong national presence and a commitment to accessible, customer-centric financial services, the bank set out to redefine its digital banking experience for a rapidly evolving market.
To support its digital roadmap and strengthen customer engagement, BNI selected Temenos Digital Banking as the foundation for its next-generation digital platform.
Turning digital ambition into reality
As part of its transformation strategy, BNI aimed to deliver a mobile banking experience that would reflect its unique brand identity while meeting rising customer expectations for convenience and usability.
The bank required a platform capable of supporting a fully customized user experience, seamless integration with its core and third-party systems, and the scalability to support long-term innovation.
Rather than implementing a standard out-of-the-box solution, BNI sought to leverage the flexibility of the Temenos Digital Banking platform to create a differentiated digital experience tailored to its customers.
Delivering a tailored digital experience
The implementation was delivered in collaboration with Orion Innovation, a leading Temenos partner with deep expertise in core and digital banking solutions.
Working closely with BNI, the teams designed and deployed a highly customized Temenos Digital Banking solution aligned with the bank’s strategic and design objectives. The project included:
- A fully bespoke mobile UX/UI crafted to mirror BNI’s brand identity
- Seamless integration with core banking and third-party systems
- Agile implementation methodologies enabling speed and flexibility
- A scalable architecture designed to support future product innovation
The result is a modern digital banking platform that enhances customer engagement while strengthening operational efficiency and accelerating time-to-market for new services.
Orion’s partnership has elevated our digital capabilities and allowed us to better serve our customers with convenience and efficiency.”
Thibault Huvelle, Head of Digital at BNI Madagascar
Strengthening customer engagement and adoption
Since go-live, BNI Madagascar has reported strong user adoption and positive customer feedback, particularly regarding the app’s intuitive design and ease of use.
By leveraging Temenos Digital Banking, BNI has reinforced its ability to deliver secure, personalized and accessible services across Madagascar, further strengthening its market position as a digital leader.
This project exemplifies our commitment to supporting our clients in realizing their specific ambitions. By leveraging the full potential of the Temenos platform, our team enabled the delivery of a truly customized solution that brings BNI’s vision and design concepts to life. We are proud to have contributed to setting a new benchmark for digital banking in the region.”
Suchen Janjale, Head of Temenos Practice, Orion Innovation
BNI Madagascar has successfully accelerated core banking innovation with Temenos and Orion and it now operates on a flexible and scalable platform designed to evolve alongside customer expectations and support the bank’s continued digital transformation journey.
We partnered successfully with:
Core Banking
Consistently deliver innovative, modular and comprehensive core banking.
Financial Crime Mitigation
A single product family for fast compliance, protection and time to value.
Idaho Central Credit Union
Automating loan applications to drive market dominance
Idaho, USA
Idaho Central Credit Union
Automating loan applications to drive market dominance
Idaho, USA
BNI Madagascar Reimagining Digital Banking for a New Generation Antananarivo, Madagascar At a Glance • Launch of a highly customized Temenos Digital Banking platform • Bespoke UX/UI reflecting BNI’s brand identity • Seamless integration by Orion with core banking and third-party systems • Modern, scalable platform designed for future growth • Strong user adoption and positive customer feedback post go-live BNI Madagascar, the first Malagasy bank, has long played a central role in supporting inclusive economic growth across the country. With a strong national presence and a commitment to accessible, customer-centric financial services, the bank set out to redefine its digital banking experience for a rapidly evolving market. To support its digital roadmap and strengthen customer engagement, BNI selected Temenos Digital Banking as the foundation for its next-generation digital platform. Turning digital ambition into reality https://vimeo.com/1094014151/8b8361059c PLACEHOLDER https://vimeo.com/1124259931/df78107869 bank Pioneering Composable Digital Banking in Saudi Arabia Riyadh, Saudi Arabia Watch video BNI Madagascar logo Delivering a tailored digital experience There were vendors pitching very aggressively, but with no track record in our market. And you can’t risk that. For a massive project like this, you need someone you can trust.” – Amr El-Garhy, CEO & MD, MIDBANK Orion’s partnership has elevated our digital capabilities and allowed us to better serve our customers with convenience and efficiency.” Thibault Huvelle, Head of Digital at BNI Madagascar Temenos was attentive at the moments that really mattered.They brought in more resources when needed, stayed close to the project, and showed genuine commitment to our success.” – Amr El-Garhy, CEO & MD, MIDBANK Since go-live, BNI Madagascar has reported strong user adoption and positive customer feedback, particularly regarding the app’s intuitive design and ease of use. By leveraging Temenos Digital Banking, BNI has reinforced its ability to deliver secure, personalized and accessible services across Madagascar, further strengthening its market position as a digital leader. We’re seeing the benefits, and now we’re thinking about how to lead the next wave of innovation. Now is the time to push forward.” – Amr El-Garhy, CEO & MD, MIDBANK BNI Madagascar has successfully accelerated core banking innovation with Temenos and Orion and it now operates on a flexible and scalable platform designed to evolve alongside customer expectations and support the bank’s continued digital transformation journey. The outcome of that exercise was the selection of Facilities Lending and Club Loan modules of Arrangement Architecture (AA), that are offered within Temenos Core. Temenos went on to lead the business requirements design phase, with Systems Arabia (formerly NDC) providing implementation support and integration expertise. Go-live was achieved in November 2024, with immediate results Strengthening customer engagement and adoption ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS This project exemplifies our commitment to supporting our clients in realizing their specific ambitions. By leveraging the full potential of the Temenos platform, our team enabled the delivery of a truly customized solution that brings BNI’s vision and design concepts to life. We are proud to have contributed to setting a new benchmark for digital banking in the region.” Suchen Janjale, Head of Temenos Practice, Orion Innovation ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS CAB also completed its upgrade of the Temenos Financial Crime Mitigation (FCM) suite in December 2024, in line with a mandate from the Central Bank of Jordan. The bank uses the full suite of FCM modules, including screening, profiling, and KYC+. With VBOT implemented, false positives dropped by 40–50%, significantly reducing manual review effort and compliance overhead. Looking ahead, CAB plans to deploy Temenos AI in the near future, leveraging subscription-based licensing secured during contract renewal. This AI-driven capability is expected to further enhance screening accuracy and operational efficiency. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Explore our solutions This project exemplifies our commitment to supporting our clients in realizing their specific ambitions. By leveraging the full potential of the Temenos platform, our team enabled the delivery of a truly customized solution that brings BNI’s vision and design concepts to life. We are proud to have contributed to setting a new benchmark for digital banking in the region.” Suchen Janjale, Head of Temenos Practice, Orion Innovation We partnered successfully with: Read more about Orion Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our solutions Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Strong governance, growing capability CAB attributes the success of the transformation to strong governance and close collaboration with Temenos, formalized through various Temenos services and dedicated support agreements. “These agreements were the key success factor,” said Rami. “They ensured accountability, alignment, and full engagement across all stakeholders. It wasn’t about hoping to succeed, but about planning to succeed. It was a win-win situation.” In parallel, CAB is investing in internal capability building, training staff through the Temenos Learning Community (TLC) with the goal of executing future upgrades independently. ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Temenos Wealth Management A single platform of independent capabilities unifying digital, portfolio management, data, and core for wealth and private banking. Explore our solution Woman writing on clipboard at desk Data Hub Transform banking with real-time data, AI acceleration, and seamless integration. Explore our solution ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution The implementation was delivered in collaboration with Orion Innovation, a leading Temenos partner with deep expertise in core and digital banking solutions. Working closely with BNI, the teams designed and deployed a highly customized Temenos Digital Banking solution aligned with the bank’s strategic and design objectives. The project included: A fully bespoke mobile UX/UI crafted to mirror BNI’s brand identity Seamless integration with core banking and third-party systems Agile implementation methodologies enabling speed and flexibility A scalable architecture designed to support future product innovation The result is a modern digital banking platform that enhances customer engagement while strengthening operational efficiency and accelerating time-to-market for new services. Close ties Temenos offered MIDBANK more than just software. Its local presence, proven track record in Egypt, and strong ecosystem of partners brought credibility and confidence to a high-stakes transformation. Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. b Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories We want to own our transformation end to end. Partners are important, but internal capability means we can scale on our own terms. Leveraging Temenos Learning Community, we can own our transformation while reducing long-term delivery costs.” – Rami Maayah, Group CIO at Cairo Amman Bank Benchmarking for the future Later in 2026, CAB will re-engage with the Temenos Value Benchmark (TVB) to assess progress against the digital maturity matrix and guide investment decisions for the next three to five years. The bank is also evaluating Temenos Digital, Temenos Payments, Trade Finance, and Treasury capabilities that were previously unattainable on the previous platform. Temenos’ standing in analyst reports helped validate CAB’s long-term choice. Temenos is focused on banking, and its roadmap is fully aligned with what we need. This isn’t just about modernizing for today. This platform is the foundation for what comes next: AI, digital onboarding, and instant payments. We are finally in a position to move fast on a solid base.” – Rami Maayah, Group CIO at Cairo Amman Bank One of the biggest wins is what this means for RBI Group. We can innovate locally, but we’re also aligned globally. That gives us scale, agility, and ultimately the ability to build superior customer experiences. It’s a platform for long-term growth.” Kreshnik Halili, CIO/COO at Raiffeisen Bank dd Bosna i Hercegovina ITSS provides high-quality services for banks with Temenos Transact in parts of Africa, Middle East, Asia and Latin America. Learn more about ITSS Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution ss3 Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories Woman on phone leaning against wall Core Banking Consistently deliver innovative, modular and comprehensive core banking. Explore our solution Team sitting at desk behind glass wall Financial Crime Mitigation A single product family for fast compliance, protection and time to value. Explore our solution Woman on phone leaning against wall Banking solutions for all segments Empowering banks across segments with scalable, innovative, and efficient solutions. Explore our segments Woman writing on clipboard at desk Customer Success Stories Real stories of transformation with Temenos solutions. Read more success stories As part of its transformation strategy, BNI aimed to deliver a mobile banking experience that would reflect its unique brand identity while meeting rising customer expectations for convenience and usability. The bank required a platform capable of supporting a fully customized user experience, seamless integration with its core and third-party systems, and the scalability to support long-term innovation. Rather than implementing a standard out-of-the-box solution, BNI sought to leverage the flexibility of the Temenos Digital Banking platform to create a differentiated digital experience tailored to its customers. https://vimeo.com/1158984519/4d72d33443 SS Overview Orion Innovation successfully implemented a highly customized Temenos Digital Banking platform for BNI Madagascar, the first Malagasy bank. This project represents a major milestone in BNI’s digital transformation journey, delivering a next-generation, user-centric digital banking experience to its customers across Madagascar. BNI is a pioneering financial institution in Madagascar, recognized for its commitment to inclusive economic growth and innovative financial solutions. With a strong national presence, the bank aims to empower both individuals and businesses by offering secure, efficient, and accessible banking services that meet evolving customer needs. ss Orion’s partnership has elevated our digital capabilities and allowed us to better serve our customers with convenience and efficiency.” Thibault Huvelle, Head of Digital at BNI Madagascar. The success of this implementation demonstrates the tangible value of collaboration, innovation, and customer focus in digital transformation initiatives. From Temenos “Congratulations to the team at BNI Madagascar on a successful go-live with Temenos Digital Banking. This milestone empowers the bank to enhance customer experiences and deliver smarter, faster banking services. It also highlights the strength of our digital banking solutions for banks in Africa to accelerate innovation and digital transformation.” — Santhosh Rao, Managing Director – MEA, Temenos Outcome ✅ 100% Custom UX/UI Design ✅ Seamless Integration with Core Systems ✅ High Customer Adoption & Positive Feedback ✅ Future-Ready, Scalable Digital Platform Through this partnership, Orion and Temenos have set a new standard for digital banking innovation in Madagascar. The project showcases the power of Temenos Digital technology in enabling banks to deliver secure, personalized, and scalable digital experiences — paving the way for continued growth and transformation across Africa’s financial landscape. ss This project exemplifies our commitment to supporting our clients in realizing their specific ambitions. By leveraging the full potential of the Temenos platform, our team enabled the delivery of a truly customized solution that brings BNI’s vision and design concepts to life. We are proud to have contributed to setting a new benchmark for digital banking in the region.” Suchen Janjale, Head of Temenos Practice, Orion Innovation Orion’s partnership has elevated our digital capabilities and allowed us to better serve our customers with convenience and efficiency.” Thibault Huvelle, Head of Digital at BNI Madagascar. The success of this implementation demonstrates the tangible value of collaboration, innovation, and customer focus in digital transformation initiatives. Outcome ✅ 100% Custom UX/UI Design ✅ Seamless Integration with Core Systems ✅ High Customer Adoption & Positive Feedback ✅ Future-Ready, Scalable Digital Platform Through this partnership, Orion and Temenos have set a new standard for digital banking innovation in Madagascar. The project showcases the power of Temenos Digital technology in enabling banks to deliver secure, personalized, and scalable digital experiences — paving the way for continued growth and transformation across Africa’s financial landscape. Overview Orion Innovation successfully implemented a highly customized Temenos Digital Banking platform for BNI Madagascar, the first Malagasy bank. This project represents a major milestone in BNI’s digital transformation journey, delivering a next-generation, user-centric digital banking experience to its customers across Madagascar. BNI is a pioneering financial institution in Madagascar, recognized for its commitment to inclusive economic growth and innovative financial solutions. With a strong national presence, the bank aims to empower both individuals and businesses by offering secure, efficient, and accessible banking services that meet evolving customer needs.
Idaho Central Credit Union
Automating loan applications to drive market dominance
Idaho, USA
At a Glance
• Instant increase automation in loan applications by 5%
• 20,000 loan applications immediately cleared
• 70% (c.40,000) of all loan
applications completely automated, an increase of 20%
• Loan application and funding times cut by 50%, to 12-18 minutes
• HELOC application periods reduced from one month to 18 days
• Customer base grown by 10-15%
• Customer satisfaction improved by 5-10%
Idaho Central Credit Union (ICCU) is the largest state chartered credit union in Idaho. In the last 5-7 years it has expanded its footprint beyond Idaho, to encompass people living and working in Washington state, and also parts of Oregon. It currently has $10bn in assets, making it in the top 20 credit unions in the country.
Launched in 1940, its mission has been to help members achieve financial success. Alongside traditional consumer services, such as deposits, savings and loans, it offers wealth management, financial planning and insurance products, and also has a business division.
An appetite for innovation
As a member-led organization, ICCU is continually having to adapt to changing consumer sentiment shaped by macro-economic trends. For example, in recent years, high interest-rates have encouraged savers, but put lenders at risk while also increasing living costs, which can negatively impact membership. Innovation has been key to this adaptability, explains Wade Saunders, ICCU’s SVP of Consumer Lending.
“The purpose of our innovation has a lot to do with how our members engage with us. Increasingly that is via digital channels, but we also want to enhance the branch experience, so that whatever channel our members prefer, we are their first choice.”
Futureproofing better lending
A recent focus for ICCU has been on improving the loan application experience for members. Its incumbent Loan Origination System (LOS) had been sunsetted by the vendor, which forced ICCU to look for alternatives. A key criteria was automation.
“We wanted to identify points of friction in our processes that can be eliminated with automation, and create the ability to process loan applications without employee-intervention.”
Wade explains that Temenos was one of the first options out of the gate, because of the ability to customize its solution. ICCU also had an eye on the future, and a partner that could support deposits and accounts as well as loans. More generally, this scalability was a key reason why ICCU selected Temenos. Having experienced growth of up to 20% in the last decade, and forecasting a similar trajectory, ICCU wanted a provider that could manage this expansion.
“We wanted a technology partner that is willing to grow with us, and invest in its entire suite of solutions as we continue to scale.”
Immediate impact
ICCU deployed three products from the Temenos digital platform: Account Origination (through Journey Manager) which went live in 2020; as well as Collections and Loan Origination (both live from 2021). The impact was immediate.
On day one of flipping the switch on Account Origination, we increased automation in loan applications by 5%. From a workload perspective, that was an immediate relief. We were able to clear over 20,000 loan applications, and redeploy the manpower to learn other parts of the new system.”
Wade Saunders, SVP of Consumer Lending at ICCU
Wade puts this success down to the expertise that Temenos has in managing large deployment projects.
“We didn’t have any red flags with the launch, and that’s down to all the testing we did with Temenos, and the transparency of our conversations. Being able to be really honest with each other, and take points professionally not personally, has been a key feature of our partnership so far.”
One area where the new solutions have had a big impact is the ICCU’s credit card division.
Previously we needed a person to process every credit card application. Temenos enabled us, almost immediately, to automate that. A person could apply online, get approval, get their loan documents, sign them and get access to their funds all without the involvement of an employee.”
Wade Saunders, SVP of Consumer Lending at ICCU
ICCU has also applied the Temenos solution to its HELOC (home equity line of credit) product, with similar impact. HELOC applications had been taking up to a month to process; this has been reduced to around 18 days, 41% faster.
“We’re now able to order property title documents and integrate that within the system, so we avoid the delays from errors in manually inputting this information.”
Act like an underwriter
A major benefit of Temenos has been the ability to leverage historical underwriting data in the system, explains Wade.
“Because we have the data about how an underwriter is likely to score an application, we can go straight to approving or declining them, and so decrease the amount of ‘undecideds’ that need to be manually checked.”
Today, 70% of all ICCU’s loan and credit applications are processed completely automatically.
Today, with the push of a button, loans are processed and funded without a person having to do anything. We’re talking about 30-40,000 loans every year that don’t require any manual intervention.”
Wade Saunders, SVP of Consumer Lending at ICCU
Today, a customer can complete a loan application and receive funding in as little as 12-18 minutes, around 50% faster than before. And by using the data to continually retrain the system, Wade and his team will see that percentage improve further.
Accuracy, first time
Temenos IMM (‘Image Management Module’), an integrated feature of Originations, has also had profound benefits.
“We’ve seen an increase in the accuracy of the loan documents, so we don’t have to chase up members for the correct information.”
This has not only made the process more efficient. “These are key compliance documents. So the fact we can trust Temenos’ IMM more than our previous solution means we can go faster with the confidence that we are maintaining regulatory standards.”
The new system also makes it easier for members to submit the documents needed to support their application, by allowing them to upload them to a central portal instead of emailing, faxing or sending by post.
Happier customers = more customers
The result of all this has been to increase digital engagement and satisfaction; on the latter, the company has seen an increase of 5-10% in recent years. This growing reputation has attracted new customers. In the last few years, ICCU has grown its membership by 10-15%.
Temenos has helped us to figure out what a great online experience looks like. We’ve now got a viable product that is enabling us to accelerate in the market, and a partner that is proactively driving us to make more improvements.”
Wade Saunders, SVP of Consumer Lending at ICCU
Just the start…
ICCU is making good on its strategy to achieve growth through a deepening partnership with Temenos. Wade is looking to apply auto-decision making to its HELOCs business.
Looking to the future, Temenos’ API architecture offers huge potential, says Wade. “It gives us access to Temenos’ partner ecosystem, plus other vendors with solutions we may want to integrate. That’s almost limitless capabilities to allow us to move in any direction we want to.”
One example that Wade and his team are now exploring is the connector with ‘Dealertrack’. That integration will allow ICCU to automatically populate information from car dealers into Temenos, and so significantly reduce manual processes and paperwork when making car loans.
He is also keen to expand Temenos to reshape the company’s network loan business. “Our contractors use one of eight different loan systems and processes. So there’s a huge scope to bring efficiencies here too.”
Whichever direction ICCU will choose, Wade is confident that the relatively new partnership with Temenos has durability. That was recently evidenced when Wade was invited to share his story at the Temenos Credit Union Fall Forum. “We have hundreds of vendors, but our relationship with Temenos means a lot.”
Idaho Central Credit Union
Automating loan applications to drive market dominance
Idaho, USA
At a Glance
• Loan applications cut from 7 mins to 2.5 mins
• Increase in loan volume by 35% in 3 months
• Loan productivity grew at 17%
• Development of new ancillary loan products
• NPS score increased from 76 to 82
Texans Credit Union provides a full suite of financial products and services, including across digital and mobile channels. Launched in 1953, today it has more than 120,000 members across Texas, including the employees of the state’s 100 largest businesses. It operates 11 branches, and manages over $2.1 billion in assets.
For JJ Bai, Vice President of Programming at Texans Credit Union, growth has been achieved with the ability to stay in step with what their customers need. “There are always uncertainties in financial markets. Our job is to forecast the weather and prepare for the financial storms, when they come. It’s about creating opportunities while others are managing the chaos.”
Opening ecosystems
Technology has been key to this strategy, says JJ, and in recent years has taken the form of APIs and SDKs that allow Texans to develop and customize solutions. “APIs and SDKs…these are the fundamentals of open banking, which has become critical to competitiveness. Temenos has very comprehensive Rest APIs, which has really opened the door to custom development. That’s why the partnership has become so important.”
Texans started working with Temenos in 2011, deploying Loan Origination and Collections. One impact of the API architecture has been in connecting with third-party loan providers that may offer more suitable products to their members, . “Before, we would not have been able to accommodate these applicants. Now, we have a lending ecosystem that can serve them.”
Faster lending
The improvements continue to come. “Recently, we used the Temenos SDK to revamp the virtual capture aspect of our loan applications” says JJ. “It cut loan application times to just 2.5 minutes from 7 minutes, which led to an increase in loan volumes by 35% in the first three months, which is phenomenal.” A high NPS score of 82 is further evidence that the improved customer experience is working.
JJ explains that this has repercussions beyond the loans business.
Lending has become a really important channel into full membership. The membership growth rate from loans is outpacing overall growth rate.”
JJ Bai, Vice President of Programming at Texans Credit Union
Cross-selling and digitizing
He also points to the development of a new loans ancillary product that enables advisors to cross-sell debt protection add-ons, such as gap, warranty insurance, and multishield. It alone has API integrations with five different vendors.
We have been able to digitize the experience for customers. For example, applicants can view and sign-up to products online, including prospective loan repayment schedules, instead of us having to mail all this out in paper documents and wait for them to be completed and returned. So they are able to make more educated decisions in real-time.”
JJ Bai, Vice President of Programming at Texans Credit Union
The new loans ancillary product also brings improvements to the back-office by automating process flows. “It has been overwhelmingly positive with our test group, so we are now rolling it out to all our advisors.”
Green and flexible
Innovation at Texans is increasingly approached through the lens of environmental sustainability – and to that end, JJ is looking at migrating Loan Origination and Collections from on-premises to cloud, either privately-hosted or in SaaS mode. Alongside the green benefits of moving to cloud, there are also operational gains.
JJ has the ‘dev and test’ flexibility of cloud in mind with plans to expand Texans’ lending portfolio. One is a lease-like vehicle loan product with a balloon payment feature; and also new credit card options. He expects this can be replicated to other areas of the credit union.
When you consider how the Loan Origination and Collections platform has cut workflows and improved productivity by 17%, the cloud version should enable us to improve efficiencies even more.”
JJ Bai, Vice President of Programming at Texans Credit Union
Indispensable
This future planning speaks to the confidence that Texans has in Temenos. “Flexible, expandable, scalable, reliable – this is how we think about Temenos,” says JJ.
It’s a partnership that means we can keep bringing tailored solutions to our members, positioning us at the leading edge of the market.” He adds: “We want our members to think that they can’t do without us, and that’s exactly how we think about Temenos.”
JJ Bai, Vice President of Programming at Texans Credit Union
Idaho Central Credit Union
Automating loan applications to drive market dominance
Idaho, USA
At a Glance
• Consolidated collections operation, giving better user and customer experience
• New starters learn the platform faster than any other system
• Reduced working time 40%
• Cloud deployment has freed up IT resources and increased efficiency
All In Credit Union started as the Army Aviation Center Federal Credit Union in 1966. Today it is a full-service financial institution, serving both retail and business sectors. It offers a wide range of banking, credit, savings and insurance services. It operates 35 branches located across Alabama, the Florida Panhandle and Mississippi. It has 190,000 members and more than $3.3 billion in assets and is ranked among the best credit unions in the US, with a 5-star rating from BauerFinancial.
Growth by Passion
Melanie Robinson, Recovery Solutions Manager at All In CU, says growth over the last 58 years comes down to one thing. “We are passionate about our members and give them everything they need – products, experiences and help – to make their lives better.”
While this passion has been the goal of All In CU since its inception, it has proved more challenging in recent years, explains Melanie. “With the economy here underperforming, many families and communities are increasingly struggling to achieve financial security. Education has become more important to what we do.”
Connected
That ability – to constantly stay ahead of the curve – is really how the credit union defines innovation, she says. APIs have become core to that, using them to connect with other internal systems and third-party solutions: SWBC, FICO (data analytics), and PSCU (MasterCard program administrator), for example.
API connectivity was a key reason why the credit union first decided to deploy the Temenos Collections and Recovery platform, as it promised easy integration with the core system it was about to implement.”
Melanie Robinson, Recovery Solutions Manager at All In Credit Union
Consolidated
All In CU has been working with Temenos since 2017 to deliver on its innovation strategy. “Our previous collection software did not have everything we needed, including connectivity to our core platform, so it was limited in scope to just the delinquent loan part of the business. We wanted a solution that could also work across all the other areas of our collections operation, such as negative checking accounts, auto loans and credit card late payments. We chose Temenos because it offered that consolidation.”
One benefit has been in the customer experience.
Before, we had to hand over customers between systems and have staff available who were specialists in each area. Now, no matter what their case is about, our staff can manage it all from Temenos. That means we serve our customers better and save lots of time too.”
Melanie Robinson, Recovery Solutions Manager at All In Credit Union
Experts Not Required
That switch has been enabled by the usability of the software, says Melanie “Configuration doesn’t require any technical experience, and the interface is very intuitive. I remember when we first deployed Temenos, I was there doing the configuration for our go-live, and I was amazed how easy it was to just tailor everything to our needs. We could set up a workflow for this function or set up cases for this function. It just turned our world around.”
This is replicated whenever a new starter joins the team. “They can get up to speed really quickly. They learn how to use Temenos faster than any other solution we have.”
Ease of use, together with the decision to deploy Temenos in the cloud, has had a knock-on benefit to the rest of the business, explains Melanie.
Because we don’t have to rely on IT support, it frees up that resource for other departments. And if we do have an issue we can’t deal with, we just submit a ticket to the Temenos support desk, and we get a response really quickly.”
Melanie Robinson, Recovery Solutions Manager at All In Credit Union
This echoes her experience during the go-live phase. “Our Temenos consultant gave us great advice about who and how to train on the new system and explained all the functionalities. And he encouraged us to be proactive with questions and ideas. I’d share that advice. It’s no good having some of your people using the system effectively and others not.”
Time is Money
The impact of Temenos on the credit union can be measured in time, says Melanie. “Time is money. So, when you’re able to do something faster, it has a financial implication. And that’s precisely what we’ve achieved. Before Temenos, we worked late into the night – up to 9:00 p.m. – with paper files. Now, our day ends like a regular day should at 5:00 p.m.”
It has also had a positive impact on performance management. “From the platform, I can see which members of my team are performing at their best or who needs a little help.”
One Step Ahead
Always with one eye on the future of All In CU, Melanie explains that Temenos’ API architecture and established relationships with other financial software vendors, instills confidence that the platform can keep delivering.
Whatever we decide to do, we can do from the Temenos platform. It has the scalability and robustness we need to keep innovating and staying ahead of the curve.”
Melanie Robinson, Recovery Solutions Manager at All In Credit Union