Universal Banks

Offering a combined capability, spanning Retail Banking, Corporate Banking and other sectors in a single bank.

Universal Banks Solution

Many banks have different divisions offering services and products to different kinds of customers. Although the business requirements for each sector can be different, Temenos offers a series of integrated software products from a single technology platform that enables you to leverage core competencies to serve multiple different business sectors.

Retail Banking

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

Corporate Banking

Assemble cross-product line solutions incorporating FinTechs for corporate customers linking directly to their financial systems using open APIs.

Measurable Success


41 of the top 50 banks run Temenos


500 million end users rely on Temenos for banking


Largest client has 24 million accounts


Temenos Infinity for Small Business Banking

Shorten time-to-market for the most profitable business banking products. Temenos transforms KYC and AML processes into an omnichannel experience, cutting business onboarding time by up to 75%.

Transact T24 for Small Business Banking

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

Temenos Payments

A universal end-to-end payments solution based on ISO 20022 standards and support for all payment types.

ABN AMRO Success Story - Amsterdam Netherlands

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

Changez Jan, Head of Operations, Singapore – ABN-AMRO 
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Customer Success Stories

Bank of Kigali Plc

Established in 1966, Bank of Kigali Plc has grown to become Rwanda’s largest retail and commercial bank. To enable the rapid product and service innovation that will attract new accounts…

Bank of Ireland

It may be the oldest of the ‘Big Four’ Irish banks, but Bank of Ireland is constantly striving to innovate to ensure that it can defend its position from new…

Fahad Al Khalifa

“The implementation of the integrated Temenos solution in such a short timeframe was made possible by extremely efficient project planning and execution, impeccable professionalism and the fact that 85% of our requirements were met out-of-the-box. With Temenos T24 Transact, we now have a modern platform that integrates with any external system and has the flexibility and scalability to grow with us.”

Fahad Al Khalifa, Group CEO – Al Khaliji Bank
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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.

Analyst Report

EIU and Temenos: The Evolution of Intelligent Banking

The Economist Intelligence Unit (EIU), on behalf of Temenos, surveyed 405 global banking executives on the changes they see taking place in their industry to 2020 and 2025, their organizational response, and the longer-term impact on their strategic development.


Forbes Report – The Next Generation Wealth Manager

To develop a full understanding of the qualities that will propel wealth managers successfully into the future, one must start with the client — high-net-worth individuals (HNWIs) and mass-affluent investors, both of whom bring to the table a tech-forward attitude and the will to grow their assets.

Latest News


Lagniappe Q2 2019

The Temenos Compliance Advisory Team wants to help you cool off with a bit of good ole’ South Louisiana Lagniappe by sharing some of our answers to customer questions addressing…