Core Banking System


Our Core Banking System is the world’s most widely used core banking system and provides a technically advanced, SOA-based front-to-back platform for banks in over 120 countries, from small community banks to large retail banks with over 15 million accounts.
Its a modular, functionally rich, fully integrated, real-time banking application, that has revolutionised the core banking system industry by removing the need for end-of-day processing and enabling 24/7/365 online operation. The flexible, open technical architecture, combined with the richness of functionality of the solution enables banks to respond to evolving market needs, providing core competitiveness for the future.

Our Core Banking is available as a model bank implementation, with pre-configured services and best practice banking processes and workflows built in, to allow for an easier, more cost effective and low risk out-of-the-box implementation; or a more tailored approach for customers preferring differentiation.

Our Core Banking System users are proven to be more profitable than their peers: analysis on data from The Banker – top 1000 banks shows that Temenos customers enjoy a 62% higher return on capital, a 54% higher return on assets and a cost/income ratio that is 7.2 points lower than other Core Banking System customers.