Temenos 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 Digital.
Product Overview
Temenos Digital Origination products for North America give members and customers a rapid, omni-channel product origination experience, including instant decisioning. For credit unions and banks, they create agility, eliminate paper processes, and reduce costs of origination. Temenos Digital works with any core banking system, and Origination products can be used independently or in conjunction other Temenos Digital products such as Journey Manager for acquisition and onboarding.
Origination Resources
Temenos Digital Account Origination Factsheet
Learn more about Temenos Digital Account Origination for North American Credit Unions and Banks.
Temenos Digital Loan Origination Factsheet
Learn more about Temenos Digital Loan Origination for North American Credit Unions and Banks.
Measurable Success
5 MINUTES
From application to
cash in hand
70 %
Auto-decisioning for consumer loans
1 DAY
To launch new loan products
75 %
Auto-decision rate for new credit card app
| Connector | Description | Type | Resources |
| Allied iQQ | Allied Solutions – This connector provides access to Allied’s cutting edge online quoting software, Internet QuickQuote (iQQ), to present the cross-sell GAP and MBP options. | Insurance | Datasheet |
| ApplicationXtender | MetaSource – This connector allows documents attached to a loan application to be archived and stored with ApplicationXtender. | Document Management | |
| Car Solutions | Car Solutions – The Car Solutions connector provides financial institutions with the ability to present and cross-sell GAP and MBP products directly through the loan origination solution. | Insurance | Datasheet |
| CO-OP | Co-Op Financial Services – This connector allows provides institutions to create new accounts, print and activate credit cards onsite, increase existing credit limits, and add authorized users during account creation. | Data Extracts | |
| Credit Reporting | Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Experian, Equifax and/or TransUnion through a third-party credit reporting service. | Credit Reporting | |
| CUDL | CUDL – This connector allows dealer applications submitted through Credit Union Direct Lending (CUDL) to be seamlessly transmitted to/from the system for evaluation. | Indirect Lending | Datasheet |
| CUNA Loan Calculator | CUNA Mutual Group – This connector allows institutions utilizing credit insurance and/or debt protection to calculate payment, term, and balloon amounts. | Calculator | |
| CUNA Protection Advisor Expert | CUNA Mutual Group – This connector is an integrated web calculator that supports real-time GAP and MBC quoting from within the loan origination solution. | Insurance | Datasheet |
| Dealertrack | Dealertrack – This connector allows dealer applications submitted through Dealertrack to be seamlessly transmitted to/from the system for evaluation. | Indirect Lending | Datasheet |
| DocuSign | DocuSign – This connector makes electronic signature easier with direct integration to our loan origination solution. | Document Management | Datasheet |
| Equifax | Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Equifax. | Credit Reporting | |
| Experian | Luxor Technologies, Inc. – This connector retrieves and stores credit report information from Experian. | Credit Reporting | |
| Experian Application Export | Experian – This connector provides a tool to generate an export for when Performance Insight and Risk Based Pricing services are provided by Experian. Experience takes and analyses application and performance data from the system and provides feedback to the FI, which enables the FI to better understand its decision model. | Data Extracts | |
| Experian Instant Prescreen | Experian – This connector allows originators to trigger a search of Prescreen offers for the applicant. If applicants elect to take advantage of offers, the application process can bypass credit processing and underwriting to fulfill and fund the offers based on the rate and terms of the offer. Unused offers are saved as Promotions in the Loan Origination system for future application. | Cross-Selling | |
| Experian Precise ID | Experian – This connector provides the ability to interface with Experian’s Precise ID and Knowledge IQ products for identity checks and fraud verification based on pre-defined business logic. | Fraud Detection | |
| FirstClose | FirstClose – This connector provides access to the FirstClose ONE platform of solutions allowing financial institutions the ability to order and process real estate services, such as appraisal, automated valuation, closing, flood certification, property condition report, recording, tax service, title search, valuation, and verification directly within Temenos Temenos Digital. | Real Estate Services | Datasheet |
| FIS BASE2000 | FIS – This connector provides a database extract which complies with the standards required by FIS/Certegy. When a credit card is disbursed, it is automatically included in the next extract run and sent via a secure connection for card creation. | Data Extracts | Datasheet |
| FIS ChexSystems | FIS – This connector provides resources to verify applicants through the use of the ID Verification (IDV) and ID Authentication (IDA) products. Additionally, a QualiFile product is available which provides customer scoring and risk segmentation during the account origination process. | Fraud Detection | |
| FIS TBS | FIS – This connector allows credit card fulfillment requests and updates information to be easily transferred daily, in a batch format, from the system to TBS. | Data Extracts | Datasheet |
| Frost Financial | Frost Financial- this new connector fully integrates Frost Financial’s VisualGAP web services interface to enable the ability to seamlessly present the protection products offered during the loan application process. | Indirect Lending | |
| HMDA | HMDA – This connector enables institutions to extract data in a format that is compliant for input into the government HMDA reporting system. | Data Extracts | |
| HYLS | HYLS – This new integration calculates a high yield lending strategy (HYLS) score for each applicant on an application based off of a series of questions and answers regarding applicant data. | Decisioning | Datasheet |
| IDology | IDology – This connector uses ExpectID technology to create a more satisfying account or loan origination experience by allowing applicants to capture data directly from their driver’s license or other personal identification instead of having to type it in. This secure and convenient process not only saves time but also reduces the chance that an application is abandoned. | Fraud Detection | Datasheet |
| IMM | IMM – This connector offers users improved productivity by automating the processes between the host system and document storage, as well as providing ancillary products for e-signatures, secure email and fax delivery and storage, and integration into archive systems. | Document Management | |
| IMM eSign Remote | IMM eSign Remote – This connector makes electronic signature easier with direct integration to our loan origination solution through IMM eSign. | Document Management | Datasheet |
| Kelley Blue Book | Kelley Blue Book – This connector allows financial institutions to valuate vehicles based on retail, trade-in and wholesale prices, and automatically track those values within the system. | Auto Book Value | |
| Lenders Protection | Open Lending – Lenders Protection by Open Lending is a risk management program featuring default insurance coverage for near/non-prime automobile loans. Lenders Protection allows financial institutions and other automobile lenders to model their specific overhead and funding costs and set desired ROA target for their insured portfolio. The result is a profitable auto loan portfolio with carefully managed pricing and risk characteristics. | Insurance | Datasheet |
| LSI | Lending Solutions Inc – This connector allows applications submitted through Lending Solutions to be transmitted via a secure channel to the system for evaluation. | Indirect Lending | |
| NADA | NADA – This connector allows users to input vehicle specifications and receive book value information in real-time. | Auto Book Value | Datasheet |
| OFAC | Luxor Technologies, Inc. – This connector provides integration with OFAC Scope scanning products from Luxor Technologies, Inc. With this tool, financial institutions can ensure their account holders are free of fraudulent links to illegal activities tracked by the US and international governments. | Fraud Detection | |
| PSCU | PSCU – This connector enables institutions to access additional credit card information for accounts. Users can choose from PSCU’s standard option or their Data eXchange, which offers real-time information. | Third-Party Credit Cards | Datasheet |
| PSCU Lending | PSCU – For those institutions contracting with FDR, this connector provides a database extract which complies with the standards required by FDR. When a credit card is disbursed, it is automatically included in the next extract run and sent via a secure connection to FDR for card creation. | Data Extracts | Datasheet |
| RouteOne | RouteOne – The connector allows dealer applications submitted through RouteOne to be seamlessly transmitted to/from the system for evaluation. | Indirect Lending | Datasheet |
| SWBC Payments | SWBC – This connector provides direct integration to SWBC’s payments tool for highly secure and efficient electronic ACH and credit card transactions. | Payment Processing | |
| SWBC Unity | SWBC – This connector allows financial institutions to quote, book, and process documents for debt protection, GAP, and Mechanical Breakdown Insurance from SWBC within the system. | Insurance | Datasheet |
| Systemware | Systemware – This connector provides institutions with the ability to electronically archive loan documents into an intuitive folder structure. | Document Management | |
| TransUnion | Luxor Technologies, Inc. – This connector retrieves and stores credit report information from TransUnion. | Credit Reporting | |
| uOpen | Finastra – This connector establishes a secure connection between the system and the uOpen platform which encompasses all of Finastra’s integration products. These products enable indirect sources to transmit and receive loan application data with financial institutions. | Data Extracts |
| Correlation | Fiserv | Jack Henry | Finastra | Temenos |
| Keystone | Datasafe DNA Spectrum XP2 | Symitar Epysis | UltraData | Temenos Transact |
Customer Success
First Tech Federal Credit Union
Learn how FTFCU delivered a member-centric design and a personalized, relevant experience whenever, wherever, and however their members chose to interact with them.
PSECU
Learn how PSECU achieved auto decision rates of 30-70% and loan application to funding time of just 3-15 minutes, increasing staff efficiency and customer experience.
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