Temenos T24 Transact – Core Banking Software

The world’s best-selling, most functionaly rich core banking product used by over 700 banks in all sectors and geographies.

Product Overview

Temenos T24 Transact is a core banking system providing product definition, transaction processing, unparalleled operational scalability and functional depth for all retail banks, corporate banks, and private bank and wealth managers.

Microservice Architecture

Temenos Transact is an integrated core banking system whose functionality is delivered using a number of independent Microservices. These allow banks to undertake progressive migration programs, delivering early business benefits by using standalone business capabilities which are delivered as Microservices but which also form part of an integrated solution. This architecture also allows banks to change the order of solution roll out as business priorities evolve.

Continuous Innovation

Temenos Transact architecture enables banks to carry out progressive upgrades of the system at a Microservice level. This means that they can introduce new functionality quickly and on an ongoing basis, assisted by the Temenos Continuous Deployment service.

Product Factory & Catalog

Build, design and rapidly bring to market new products using a centralized product design tool, allowing you to gain valuable time and market share when new opportunities arise. Embedded analytics help product managers plan and deploy new products which are attractive to customers and profitable for the bank.


Temenos T24 Transact is a customer-centric system built around a single customer view that covers all product lines and channels, enhancing the ability of the bank to understand its customers’ needs and serve them. Embedded analytics provide customer insight and predictive sales and service assistance.

Accounts & Deposits

The system supports accounts and deposits varying from simple offerings to more sophisticated corporate DDAs with more complex features.

Open API’s

Temenos provides over 700 published open APIs covering all areas of the banking business. These are freely accessible from the financial and technology ecosystem to enable innovation and extend Temenos systems functionality.

Enterprise Credit

Enterprise credit facilities can be set up and monitored which cover a bank’s entire exposure to a corporate, including positions held in other systems

Measurable Success


Longest, continuous, upgradeable use of software is 23 years so far


Largest client has 24 million accounts


41 of the top 50 banks run Temenos


#1 best selling core banking system for 14 years – IBS Intelligence Sales League Table 2019

ABN AMRO Success Story - Amsterdam Netherlands

“Without the Temenos platform, we could not have done business.”

Changez Jan, Head of Operations, Singapore – ABN-AMRO 
read success story

Why Temenos T24 Transact?

Why Temenos Transact - Girl holding world

The World’s Favorite Core Banking Package

For 25 years, Temenos has been supporting banks across all sectors with our best-selling core banking system. Banks and financial institutions of all sizes use the same software to provide outstanding products and services to their customers.

Why Temenos Transact - Man holding futuristic phone

The Next Generation in Core Banking

Temenos T24 Transact takes the deep and extensive banking capabilities of T24 Core Banking and re-platforms them onto a new, cloud-native, cloud-agnostic technology. This allows banks to take advantage of the agile scalability, security and lower operational costs that the cloud provides while continuing to be able to upgrade to the latest release of the software.

The Broadest & Deepest Functionality in the Market

Temenos consistently invests over 20% of its revenue back into R&D, resulting in a banking system of unparalleled functional depth and breadth. The inherently upgradeable nature of the software means that all customers benefit from this ongoing investment, as we plan to invest a further $1.1B from 2019-2024.

Woman looking at analytics

Embedded Analytics

Temenos Embedded Analytics provide contextually-relevant, real-time help when serving customers and designing new products. They are used to examine previous behavior and provide predictive insights to guide decision-making, recommendations, and design assistance.

Customer Success Stories

ENPO – Success Story

Egyptian National Post Organization (ENPO) aims to spearhead the country’s drive to increase financial inclusion among its 98 million citizens. To develop an innovative new range of accessible banking services,…

O Bank Success Story - New Taipei City, Taiwan Coastline

“We are a digital-native bank and Temenos has enabled us to redefine banking – use internet as our branches. That’s why we choose T24, the top digital core banking platform supporting us to offer the best innovative customer experience.”

Tom Lin, Executive Vice President – O-Bank
read 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.


Temenos T24 Transact Brochure

Temenos T24 Transact is the market-leading core banking solution which incorporates the broadest and deepest set of functionality available.


Banco Azul – Success Story

“Salvadorian Bank for Salvadorians” Oscar Armando Rodriguez, Executive Director, Banco Azul This video tells us the story, by Banco Azul´s Executive Director Oscar Armando Rodriguez and it’s Technology Director Héctor…

Latest News

Press Releases

CWB Financial Group partners with Temenos to deliver personalized, world-class digital experience for business owners

CWB Financial Group (TSX:CWB) takes another step forward as a disruptive force in Canadian financial services today with the selection of Temenos (SIX:TEMN), the leader in banking software, to deliver a seamless end-to-end digital banking experience for small- to medium-sized business owners. CWB will be the first bank in Canada to offer a differentiated digital banking experience powered by Temenos Data Lake with Explainable AI (XAI) capabilities. The combination of Temenos Data Lake and industry-leading, cloud-native, cloud-agnostic Temenos Infinity, also selected by CWB, will give the bank’s core business-owner clients an intuitive world-class digital experience. CWB’s clients will also benefit from valuable, transparent and fully-informed insights into their financial activities gleaned from AI automated decisions.


Upcoming Events

Industry Event

Middle East Banking Innovation Summit 2019 Dubai

We will be participating in the 9th Annual Middle East Banking Innivation Summit, taking place at Jumeirah Emirates Towers Hotel in Dubai, UAE on 3-4 September 2019 as proud Gold sponsors.

Temenos Regional Forum (TRF) Singapore

Following the success of the first edition, which welcomed over 120+ customers, partners and industry leaders in the banking and financial services community, the exclusive by-invitation Temenos Regional Forum is…

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