
Temenos for Islamic Banking
A flexible, efficient and award-winning solution enabling Shari’ah compliant innovation, scalability and digital engagement with your clients.

Temenos Islamic Banking – Shari’ah compliant
Deliver an outstanding Shari’ah-compliant experience to your customers with Temenos Islamic Banking. Using a combination of digital and human interaction, leveraging advanced graphical product building capabilities and modern technology, create offerings that are compliant and personalized while reducing your operational costs and risks.
Complete Shari’ah compliance
Ongoing compliance with Shari’ah auditors adds pressure to already challenging and fast-moving markets. Temenos Islamic Banking is fully compliant with Shari’ah requirements, processes, and accounting entries. It is parameter-driven, enabling banks to adapt it to their own specific compliance requirements.
Comprehensive
Islamic baking is growing fast, but to maintain this growth, banks must reinvent their business models by focusing on enhanced efficiency and differentiated customer service and solutions. Temenos Islamic Banking covers all areas of banking, from retail to business and corporate, private wealth and inclusive banking with rich functionality across all verticals to drive cost-savings and operational efficiency.
Enable innovation
Increasing the number of product holdings and value of transactions is key to the growth of Islamic Banking. Our flexible product builder allows financial institutions to create a wide range of products quickly and easily, increasing your customers’ product ownership and in turn improving retention and profitability through our customer analytics modules. While also facilitating innovation and a fast time-to-market.

Temenos Islamic Banking services the Islamic banking community with Shari’ah compliant, flexible solutions that have been specifically designed to support wealth, retail, business, corporate and treasury bank needs. This range of highly scalable, established solutions means that you can now easily and efficiently create new Islamic banking products, offer world class services and insure all your operations are Shari’ah compliant. Solutions are available on-premise or in the cloud.
Complete Shari’ah compliance
Ultimate efficiency
Controlled costs
Increased profitability
Supports inclusive banking
Broad product support
Measurable success
80+
Islamic Banking Implementations
6
month implementation
#1
best-selling Islamic Banking solution in IBS Intelligence Sales League Table 2021
Find out more
about Temenos for Islamic Banking
Temenos’s digital banking platform will enable us to transform faster, drive out complexity and lower our overall total cost of ownership.”
Mr. Waleed Al Mogbel
DCEO, Al Rajhi Bank

We plan to expand our Islamic derivatives products and progress our Islamic mortgage financing.”
Mr. Saif Al Dhaheri
COO, Al Hilal Bank

Our bank’s front-to-back digital transformation with Temenos’ cloud-native, cloud-agnostic banking software will help us expand our capabilities, to offer a truly personalized , digital and highly convenient banking service with even greater levels of customer service and experience.”
Bayan Qasem
General Manager, Palestine Islamic Bank
See more success stories

Financing
Full set of financing products with Shari’ah compliant flows covering different types of contracts: Murabaha, Ijara, Musharaka, Istisnaa, Forward Ijara, Bai Ajel, Qard Hasan and Modaraba financing. This also includes the ability to create structured financing products.

Profit distribution
The advanced profit distribution system for Modaraba deposits. The bank can create pools linking sources of funds to investments and distribute dividends to its clients based on pre-set criteria.

Islamic treasury
Comprehensive coverage for treasury products and services including Commodity Murabaha, Bulk commodity trading, Tawarruq, Wakala & Modaraba placements, and deposits. In addition to Sukuk trading, different dealer desk dashboard and treasury blotters and reports.

Wealth management
Fully Shari’ah compliant private wealth investment strategies with the ability to control the types of instruments being traded. It also includes full profitability and risk profiling analysis capabilities for relationship managers and customers.

Inclusive Banking
Advanced Inclusive banking model especially dedicated to Islamic microfinance.