Temenos T24 Transact – Core Banking

Temenos T24 Transact for Retail Banking

Temenos T24 Transact provides cutting edge functionality that enables retail banks to create innovative and personalized banking products targeted at new and existing customers.

Product Overview


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.

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Product Factory & Catalog

Products are designed and built using a centralized design tool which can then be made available for sale quickly, thus gaining valuable time and market share when new opportunities arise. Embedded analytics also helps product managers to plan and deploy new products which will be attractive to customers and profitable for the bank.

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Personalized Fees

Personalize and bundle fees at both individual and household levels to automatically apply cross-product bundled pricing. This enables banks to reward customer behavior, such as loyalty, and to motivate customers to change their banking behavior in order to create mutually beneficial outcomes.

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Accounts & Deposits

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

Retail Lending

The solution offers both unsecured and secured lending capabilities, together with suitable collateral management.

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Enterprise Credit

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

Temenos Payments - Woman using tap to pay

Temenos Payments

Domestic and international payments are processed, including real-time payments, using Temenos T24 Transact’s integral payment capability or with the more advanced Temenos Payment hub solution.


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