Solutions

Retail Banking

Temenos provides retail banks with agility and freedom to innovate front-to-back using the latest cloud and API technology.

Retail Banking Solution

A key focus for retail banking is the acquisition of new customers and the growing of wallet-share for existing customers. This requires a front-to-back focus, complete with high levels of AI-driven customer insight enabling you to utilize a flexible product engine to offer your customers a personalized, relevant experience at the right time.

Customer Personalization

Retail banking is based on understanding customers, creating and marketing new products that directly address their needs. Temenos retail banking software uses predictive embedded analytics to help you better understand your customers. With flexible experience and product engines, you can provide relevant and precise products at the right time.

Retail Banking - Arched white architecture

Improve Product Agility

Temenos’ products use flexible and hierarchical product design capabilities to ensure that you can design and implement new products in the shortest possible time when new opportunities arise and establish yourself as a market leader. This capability is enhanced by the availability of more than 700 open APIs, which enable system extensions and innovations to be created and deployed easily and quickly.

Retail Banking - Train Platform

Reduce Time to Market

Fast time to market is not only predicated on design but also on how quickly marketing campaigns and other digital support materials can be created. Temenos’ end-to-end retail banking solutions allow you to do precisely this, with an integrated front-to-back capability where needed, or an API-driven quick integration strategy where that is more
relevant.

Retail Banking - Men applying for new account on a laptop

Attract & Onboard New Customers

One of your key priorities is selling more products to existing customers. Even greater growth, however, can be derived from attracting new customers, onboarding them digitally and offering them relevant products using information gathered during the early customer journey stages. Temenos Infinity’s solution for digital banking lets you do just this, with experience and capability in many different jurisdictions with different customer compliance approaches.

Enhance Customer Loyalty

In order to maximize wallet share and revenue, it makes sense to explore your existing customer base and find new opportunities to sell products to people who you already deal with. Temenos’ embedded analytics with conversational customer insight and experience engine allows you to do this, based around actionable, context-specific insights and digital marketing campaigns.

Retail Banking - Piggy Bank

Lower Total Cost of Ownership

The world of retail banking is moving faster than ever. You need to be able to respond to this without being constrained by fixed costs, infrastructures, and operational models. Temenos’ solutions are cloud-native and cloud-agnostic, meaning that they can be run either on-premise or in the cloud where they can take advantage of the elastic scalability of cloud infrastructures.

Bank of Shanghai Success Story - Pagoda near water, Hangzhou, China

“Temenos Transact has enabled Bank of Shanghai to launch a number of truly innovative and pioneering products, in particular by combining corporate and retail products. Not only that, but Temenos Transact has also dramatically reduced the time to market for new products – by a factor of several times.”

Mr. Zhao Gang, General Manager – Product Innovation Department – Bank of Shanghai
Read the Success Story

Products

Temenos Infinity – Digital Banking Platform

Temenos Infinity is the platform for business transformation that helps financial institutions to accelerate their digital transformation initiatives. Reimagine the way you engage with your customers – through both digital and physical channels – creating a consistent and seamless experience.

Omnichannel Banking

From a single platform, cover all channels and all banking sectors. Design once and cover mobile apps, web and branch experiences. Extend beyond the branch and digital to conversational banking.

Temenos Infinity Origination

Temenos has a long history of success supporting loan and account origination in North America for banks and credit unions up to $50 billion in assets. These proven solutions are now integrated into Temenos Infinity.

Temenos Infinity Consumer Loan Origination

Banks and Credit Unions up to $50B can offer their loan applicants an engaging first impression and a rapid, automated loan decision as the beginning of a long term, loyal and profitable relationship.

Temenos Infinity Collections

Reduce delinquency, increase efficiency and boost collections efforts, all while streamlining internal processes and protecting income.

Temenos Infinity Recovery

A dedicated recovery solution designed to further collection results and uphold accurate accounting. Whether charging-off, collecting on or outsourcing accounts – Temenos Infinity Recovery effectively keeps delinquent accounts from falling into the void.

Temenos Infinity Spotlight

Temenos Infinity Spotlight is a browser-based console that enables a holistic, full view of the customer – including data-driven app configuration – and integrates with core banking systems and third-party services.

Temenos Infinity for Business

Removes the complexity of business banking and enables SME owners to focus on running their business and fulfilling their entrepreneurial dreams.

Temenos Infinity Engage

Temenos Infinity Engage is a mobile app that puts a banker in everyone’s pocket, allowing customers to choose their own personal financial expert.

Customer Success Stories

AIB – Success Story

Arab Investment Bank is one of the fastest-growing banks in Egypt, specializing in personal, business, investment, and Islamic banking. To build on its success, the bank initiated a digital transformation…

Al Rajhi – Success Story

In early 2018, Al Rajhi Bank began investigating breakthrough technologies like Blockchain, and was poised to introduce fingerprint identification and electronic signatures.
Retail Banking - New Taipei City, Taiwan Coastline

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

Tom Lin, Executive Vice President – O-Bank
Read the 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.

Multiexperience Development Platform

Deliver a best-in-class user experience as a consistent and seamless multiexperience digital journey across various touch points and modes of interactions.

White Paper and Report

Forrester Deals Survey 2021

The Forrester survey recognizes Temenos as the only Global Power Seller with a 20% increase in new named deals. This is the 15th time that Temenos has achieved Global Power Seller status.

Latest News

Blog

The Temenos Value Benchmark – Maximizing Business Value From Your Investment in Information Technology

We all know that disruptive technologies like Cloud/SaaS, Microservices, APIs and AI are having a profound impact on the way banking services are delivered and consumed today. This is leading to the twin trends of digital and open banking, and hence changing the very structure of the banking value chain. Meanwhile, non-traditional entrants like the technology giants, neo-banks and fintechs, are leveraging these technologies to compete in banking, and that too with a cost base 30-60% lower than incumbent banks.