Banking Software Expertise
Temenos Transact / T24
Using cloud native and agnostic technology, Temenos Transact provides the most extensive and richest set of banking functionality across retail, corporate, treasury, wealth and payments.
Temenos Infinity is the platform for business transformation that helps financial institutions to accelerate their digital transformation initiatives, bringing world-class front and middle office transactional capabilities. It enables financial institutions to reimagine the way that they engage with their customers – through both digital and physical channels – creating a consistent and seamless experience.
Digital Banking Platform Architecture
Temenos Infinity Retail is independent of the core banking system. The solution uses APIs to support multiple vendor cores, internally built systems, or Temenos Transact. Hosting can be based in the cloud or on-premise.
Scalable Cloud Native
The solution is highly scalable and is built using cloud-native and cloud-agnostic technology. This means that it can elastically scale up and down as required by the varying volumes of concurrent users while allowing for efficient and resilient operation.
API-driven microservices in Temenos Infinity allows the separation of client phrasing application of back end systems, increasing agility and speeding time to market for apps built both by financial institutions themselves and by Temenos and its partners.
Make your banking apps fully reactive to changes that happened in the business by utilizing the event-driven architecture of Temenos Infinity. Every action by the user is logged as a change and any front-end service can subscribe to an individual stream of events that enables the apps to consume changes coming from your bank.
Front-end Object Services
Temenos Infinity supports rapid app building by delivering an extensive set of reusable front-end objects that can be used by financial institutions themselves and by Temenos or its partners to construct apps. Thanks to the layered architecture of Temenos Infinity, Digital Teams don’t need to worry about the entire application stack during app development enabling banks to construct new apps and implement changes at speed.
API Orchestration Layer
A central piece to your digital landscape, Temenos Infinity offers a powerful API orchestration platform that communicates your apps to all backend systems and the crucial Temenos Infinity services such as workflow, rules, events and decisioning, removing complexity and enabling reusability and easy management of your back-end services and APIs.
Digital Banking Platform Tools
App Deployment Manager
Use industry-standard deployment manager to power your CI/CD process and manage the lifecycle of your apps end-to-end. Allow your Digital Teams to publish app changes quickly and efficiently across channels.
Automate your complex business decisions with a powerful decisioning engine built on industry best practice solutions. Use a visual designer to create decision trees and change business rules via configuration without the need for heavy development. Use modern AI capabilities to power your bank’s business decisions.
Automate your business process with a powerful workflow editor built on industry best practice solutions. Use a visual workflow designer to define and change your banking processes Automate your business process with a powerful workflow editor built on industry best practice solutions. Use a visual workflow designer to define and change your banking processes with ease without heavy development. Have the freedom to connect your existing BPM solutions to Temenos Infinity easily to realize the most from your previous investments.
Track your customers through the entire customer lifecycle using advanced E2E analytics capabilities by Temenos Data Lake. Combine data collected from your front-end apps with data coming from your core banking and other enterprise systems to understand your customer’s behaviour and measure customer profitability through the entire lifecycle from on boarding to account closure.
Employee Facing App
Enable your product managers, digital marketers, branch employees, customer service agents and Digital Team with an administration tool to manage your digital banking platform. Maintain customer and employee-related information and configure the behaviour of digital banking applications from one place.
Regional Banking Models
Use regional pre-built 3rd party integrations in the area of local payments and KYC to get to market quickly.
Temenos Transact Retail Banking offers a functionally rich, flexible and agile core processing engine that enables your institution to offer personalized, customer- relevant products, while allowing for lower operational costs and increased ROE.
The solution offers rich product lifecycle management functionality, which enables you to quickly adapt to market conditions and needs – even during adverse conditions. Scalability, resilience and margin optimization are provided by the fact that the solution is available as SaaS, deployed on the cloud or on premise.
Current / Checking Accounts & Deposits
Financial Crime Mitigation
Corporate Lending & Credit Facilities
Financial Crime Mitigation
Wealth and Mass Affluent
Unparalleled breadth of instruments
Covering front, middle and back office on a single platform, treasury departments are able to leverage analytics, automation and STP to function with maximum efficiency, ensuring capital and liquidity is optimized, business lines readily funded and financial markets fully utilized.