End-to-End Retail Banking

An open, cloud-native platform for agile retail banking transformation. Adapt at speed, drive contextual customer interactions and innovate around existing systems with composable front-to-back capabilities across the retail banking value chain.

Overview
Our solution
Customers
Related solutions and services
Latest thought leadership

The agile retail bank for lifestyle banking

A SaaS platform for retail banking to increase architectural flexibility, product agility, and customer engagement to deliver more personalized products and experiences, spur profitability and drive growth. Temenos’s cloud-native platform and microservices-enabled banking capabilities enable you to innovate fast and build for change. Assemble our capabilities across digital and core banking, payments, risk, data analytics, AI and more. Drop-in new services to innovate around existing cores, and create new solutions easily by combining Temenos and third-party capabilities.

Disrupt the disruptors

Disintermediation, open banking regulation and the ability to scale at lower cost have made it easier for non-banks to launch innovative new products. Our platform, with digital and core banking capabilities, gives you the agility to rapidly create and launch new products fast, on a cloud-native platform. Our composable banking architecture empowers banks to progressively transform and win new business with innovative solutions and more contextual customer experiences.

Hyper-personalize

Retail customers expect personalized products and services, and crave convenience. Our end-to-end retail banking solution enables relevant and personalized offers, supported by Explainable AI, and highly configurable products, pricing, services, and digital interactions across multiple channels. A flexible, cloud-native, cloud-agnostic platform for cost-effective core and digital modernization

Orchestrate the ecosystem

Whether composing new customer offers, finding the most relevant service distribution channels, or incorporating the latest technologies, successful banks will augment core and digital solutions with third-party fintech applications. Our event-driven open-API architecture, extensibility framework, and partner marketplace, Temenos Exchange, enable the rapid and continuous integration of capabilities and services from the wider ecosystem.

Specialized Solutions

Buy Now Pay Later on the Temenos Banking Cloud

Driven by Explainable AI, our Buy Now, Pay Later solution is delivered as a service for banks and non-banks, to help businesses increase and accelerate their sales cycle by embedding variable instalment loans at the point of sale.

Temenos for Challenger Banks

SaaS-first banking solutions for neobanks, to launch innovative new banking services fast, scale with confidence, deliver disruptive customer experiences, and build your own ecosystem.

Temenos for Financial Inclusion

A packaged model bank solution to rapidly deploy inclusive banking products through digital and physical distribution channels and increase access to financial services.

Banking-as-a-Service

A SaaS platform for banks, BaaS providers and non-banks to deliver embedded finance and generate new revenue streams with packaged banking services.

A complete set of front-to-back capabilities, delivered on an open platform for composable banking, enables retail banks to rapidly launch new products and services and adapt to customer needs, while reducing the risk and time associated with replacement projects. By combining best-of-breed digital and core banking capabilities, with third-party and incumbent applications, retail banks can progressively renovate their IT landscape and deploy new services faster, more cost-effectively, and at scale.

Reduce total costs

and future proof with cloud-native SaaS

Accelerate

product innovation and time-to-market

Extend and configure

with low-code tools and localized software

Scale elastically

on the Temenos Banking Cloud

Proactive services and risk

management with Explainable-AI

Compose your own bank

and innovate with pre-configured banking capabilities

Measurable success

20%

better cross-sell*

45%

higher front office STP*

19%

higher operations STP*

44%

more of IT spend on growth and innovation*

*Comparison from Temenos CEO Navigator between banks live with Temenos Enterprise Solutions and Services and those who are not

Temenos Retail Banking Demo

This 5-minute wow demo provides customers and prospects with an overview of the value and benefits of Temenos Retail Banking. In this persona-based demo, Roxanne Reid, Head of Retail Banking at Affinity Bank, has the challenge of ensuring that her products and bank continue to cater to ever changing customer demands while offering actionable insights and personalized offers. Roxanne explores Temenos’ Retail banking which can proactively respond to a customer, offer curated packages, rewards, and perks, and fulfill customer needs where and when they want them. Explore more in this retail banking demo.

Temenos Retail Banking Modernization Demo

Explore the value and benefits of Temenos Banking Cloud for retail banking modernization. In this demo, Inno Bank are looking to modernize their technology to react faster to market, client and regulatory demands.

Find out more

about our solution for end-to-end retail banking

Temenos has, as we’ve discovered the right technology, but also the US model bank has the regulatory support for us. We spent a lot of time with you working on it, and we believe it’s ready. But I’d also say that you have the people to deliver. So yes, we would recommend it.”
David Roller
CIO at Commerce Bank

Read Success Story

Our investments in Temenos products have allowed us to transition into a modern, digital bank with improved speed, reliability, and flexibility. These performance benefits are key enablers of our success.”
Ahmed AlZikan
CIO at Bank Albilad

Read Success Story

There’s a strong Temenos footprint in Vietnam, so this, along with our previous experience working with the company, assured us that we would get all the support we required to accelerate the implementation and get up and running quickly.”
Trinh Vinh Hien
Chief Technology Officer at PVcom Bank

Read Success Story

Seven years ago, when we started with Temenos, we were ranked number 11-13 nationally in most banking parameters. Now, we are a number three or four bank, and we are improving all the time. We’re a proud and happy Temenos customer.”
Amar Semir
Vice President Technologies and Digital Banking at Cooperative Bank of Oromia

Read Success Story

Temenos core banking met our key functional and technological requirements, and includes excellent capabilities for managing lending and deposits, and general ledger administration that we plan to roll out gradually.”
Frantisek Kubala
Head of Core Banking at Komerční banka

Read Success Story

Attract and onboard new customers

We recognize that improving existing customer engagement and increasing share of wallet, while also attracting new customers and increasing conversion rates, is a key strategic priority. Temenos helps you do all of this by enabling you to achieve faster time-to-market across all channels, and deliver differentiated and highly personalized product offers to convert prospects into customers, with seamless onboarding capabilities for the optimal customer experience.

Learn More

Enhance customer loyalty

To maximize wallet share and revenue explore your existing customer base and find new opportunities to offer financial products that help them achieve their life goals. Our embedded analytics with conversational customer insight and experience engine allows you to do this based on actionable and contextual insights and digital marketing campaigns.

Learn More

Customer personalization

Retail banking is based on understanding customers and then designing, creating and marketing new products that directly address or anticipate their needs. Our retail banking software leverages embedded predictive 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.

Learn More

Agile core banking and products

With our flexible product design capabilities implement new services and create new products in hours, not days or months – and at a fraction of the cost. Our extensive API catalogue and low-code extensibility framework enable system and capability extensions and innovations which can be created and deployed easily and quickly.

Learn More

Next-generation payments

Accelerate growth, increase process efficiencies, and enhance service innovations with SaaS-first, next-generation payments technology. Our solution capabilities cover the complete payments lifecycle from order intake to clearing and settlement. Our solutions are designed to work successfully both separately or together, via SaaS, cloud, or on-premise, providing the flexibility to tailor payment solutions to suit simple, complex and diverse needs of customers.

Learn More

Accurately detect financial crime

Covering watchlist screening, anti-money laundering, fraud prevention and KYC, our uniquely flexible range of intelligent and versatile solutions enhance detection and reduce cost.

Learn More

Manage risk

Address fraud, remain compliant with regulations and manage risk with our modular products for regulatory compliance.

Learn More

Reduce time-to-market

Fast time-to-market is not only predicated on design but also on how quickly marketing campaigns and other digitally-available supporting materials can be created. Our end-to-end retail banking solution allows you to do precisely this, with an integrated front-to-back capability where needed, or an API-driven quick integration strategy where it’s more relevant.

Learn More

Efficiently localize

Regional functionality for over 150 countries using our packaged model bank framework to go-live faster.

Learn More

The rise of public cloud in banking and stances on cloud security

Lower total cost of ownership

Technology, and our customers’ expectations, change faster than ever. We understand the constraints of fixed costs, infrastructure and operational models. We can help cut through those with cloud-native and cloud-agnostic solutions that can be run on-premise or in the cloud.

Learn More

The changing landscape of Retail Banking: Digital channels and embedded financial services

As pressures to transform banking operations increase, consumer interest continues to shift from traditional channels to digital engagement, only adding to the urgency for change. The retail banking sector has drastically changed over the last 10 years because of technological improvements and shifting consumer preferences, and it continues to evolve in how it delivers products and services.

Go big on social impact: Financial health and education

ESG (Environmental, Social, and Governance) issues have taken center stage on every organization’s agenda over the years. The environment, or the E in ESG, has been the focus. But recent worldwide events—the pandemic, its repercussions, the cost-of-living crisis, and economic developments— have propelled another crucial ESG component—social.

Temenos Named a Leader for 12th Time in Gartner 2022 Magic Quadrant for Global Retail Core Banking

Positioned furthest for ‘completeness of vision’ in the Leaders’ quadrant

Retail Banking Innovations

Explore our latest and upcoming innovations in platform and technology, retail and business banking, wealth management and payments.

End-to-End Retail Banking

The agile retail bank for lifestyle banking

Disrupt the disruptors

Hyper-personalize

Orchestrate the ecosystem

Specialized Solutions

Buy Now Pay Later on the Temenos Banking Cloud

Temenos for Challenger Banks

Temenos for Financial Inclusion

Banking-as-a-Service

Reduce total costs

Accelerate

Extend and configure

Scale elastically

Proactive services and risk

Compose your own bank

Measurable success

Temenos Retail Banking Demo

Temenos Retail Banking Modernization Demo

Find out more

Attract and onboard new customers

Enhance customer loyalty

Customer personalization

Agile core banking and products

Next-generation payments

Accurately detect financial crime

Manage risk

Reduce time-to-market

Efficiently localize

Lower total cost of ownership

The changing landscape of Retail Banking: Digital channels and embedded financial services

Go big on social impact: Financial health and education

Temenos Named a Leader for 12th Time in Gartner 2022 Magic Quadrant for Global Retail Core Banking

Retail Banking Innovations

Retail Banking: Innovation and Growth

New Levers for Digital Transformation

The Rise of Embedded Finance

Want Insights From the World’s Largest Banking Community?