Temenos Transact – Core Banking

Temenos Transact for Small Business Banking

Temenos Transact provides cutting edge functionality that enables you to create innovative and personalized banking products targeted at new and existing small business customers.

Product Overview

Small Business - Business Woman


Temenos 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.

Small Business - Factory

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 that will be attractive to customers and profitable for the bank.

Small Business - Package with blue bow

Personalized Fees

Personalize and bundle fees at both small business and business owner level to automatically apply cross-product bundled pricing. This enables you to reward customer behavior, such as loyalty, and to motivate customers to change their banking behavior in order to create mutually beneficial outcomes

Small Business - People walking in a city

Accounts & Deposits

The system supports accounts and deposits varying from simple offerings to more sophisticated demand deposit accounts (DDAs) with more complex features such as interest compensation groups and automatic sweeps, as well as virtual accounts for more complex business requirements.

Small Business - German City

Small Business Lending

The solution offers both unsecured and secured lending capabilities, together with suitable collateral management which can be linked to receivable and invoice streams as well as to fixed assets. The bank can also track the business’ counterparties when assessing receivables finance.

Temenos Payments - Woman using tap to pay

Temenos Payments

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


Bank of SME Video

Temenos sees an opportunity to fundamentally reimagine how to serve the SME sector, to implement an innovative digital-centric and data-driven service that can transform the experience of SMEs.

Scaling Digital Banking Channels for Growth – Securely

Join Peter DeMars, CFE UMB Bank, Adam Miller, Temenos and Matt Johnson, TransUnion as they discuss growing consumer expectations for seamless and safe transactions through digital channels amid the recent COVID-19 pandemic and how financial institutions are rising to the challenge.

Webinar Series: Your Growth Starts Now

Join this 3-part series to find out firsthand how institutions of all sizes are navigating the new normal. For bank execs by bank execs, this series features practical conversations with leading American bank execs. Join your peers and become part of the conversation.