Temenos / temenos.com
AI-powered cloud banking platform providing core banking, payments, digital banking, and AI capabilities for retail, corporate, and wealth management banking operations globally.
Pricing
Free
Free plan
No
Category
Developer Tools
Platforms
4
Free plan
No
API access
No
Open source
No
Platforms
4
Temenos is a leading cloud banking platform — providing core banking, payments, wealth management, and digital banking software for 3,000+ banks across 150 countries. Temenos AI is the platform's AI layer providing hyper-personalisation for banking customers, AI-powered credit decisioning, fraud detection, and banking operations automation. Temenos Banking Cloud delivers core banking as a continuous cloud service — enabling banks to adopt modern cloud banking without replacing their entire technology stack in one disruptive migration. The Explainability module addresses regulatory requirements for AI credit decisions — providing regulators and customers with transparent explanations of credit decisioning logic. Temenos Payments Hub provides ISO 20022-compliant payments processing for real-time and batch payments. Temenos Digital Banking provides the customer-facing digital banking experience — mobile banking apps, online banking portals, and customer onboarding. Wealth management modules cover portfolio management, investment advisory, and regulatory compliance for private banking. With 3,000+ banks including tier-1 banks in Europe, the Middle East, and Africa, Temenos validates as a global core banking infrastructure provider.
Temenos AI runs as ml platform software built around data and text workflows. Users typically start with a prompt, upload, or connected data source, and the underlying model handles the heavy lifting before returning a result you can refine or export. It's available on web, ios, and android.
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The capabilities that matter most for teams evaluating Temenos AI.
Hyper-personalisation for banking customers, AI credit scoring, and fraud detection embedded in banking operations — providing AI capabilities across the customer banking lifecycle.
Continuous delivery of core banking as a cloud service — enabling modern banking capabilities with regular updates without disruptive full system replacement.
ISO 20022-compliant payment processing for real-time and batch payments — enabling banks to participate in modern payment rails and real-time payment schemes globally.
Enterprise licensing. No public pricing. Annual contracts. Publicly traded (TEMN:SWX). Demo available.
Model
Enterprise
Starting price
Free
Free trial
Yes
FIS provides financial technology for banking at global scale. Finastra provides cloud banking solutions. nCino provides cloud banking for commercial banking. Oracle Banking provides core banking within Oracle. SAP Banking provides core banking within SAP.
A side-by-side look at the closest alternative in this category.
Key facts about model providers, platforms, and team support.
Model Provider
Temenos
Platforms
Web, iOS, Android, API
Deployment
SaaS, On-premise
Integrations
Payment rails, Card networks, SWIFT, Regulatory reporting, API
Team Collaboration
No
Launch Year
2023
Compliance signals and data-handling notes as reported by the vendor.
SOC 2 Type II. ISO 27001. GDPR compliant. PCI DSS. Banking regulatory compliance globally. Enterprise data handling agreements.
Customer banking and financial data processed on Temenos cloud or bank on-premise infrastructure under banking regulatory standards across 150 countries.
Editorial Verdict
Temenos is a leading AI cloud banking platform for retail and corporate banks wanting AI-powered credit decisioning, hyper-personalisation, real-time payments, and digital banking globally.
Last verified July 24, 2026.
Enterprise licensing. No public pricing. Annual contracts. Publicly traded (TEMN:SWX). Demo available.
Enterprise licensing to financial institutions. No public pricing. Annual contracts. Publicly traded (NCNO). Demo available.
SOC 2 Type II. ISO 27001. GDPR compliant. PCI DSS. Banking regulatory compliance globally. Enterprise data handling agreements.
SOC 2 Type II. ISO 27001. GDPR compliant. FFIEC banking guidelines. Regulatory compliance for financial services. Enterprise data handling agreements.
Customer banking and financial data processed on Temenos cloud or bank on-premise infrastructure under banking regulatory standards across 150 countries.
Financial institution lending and customer data processed under nCino's financial services data handling standards and applicable banking regulations.
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