Temenos Infinity is the

platform for business

transformation that helps
financial institutions to
accelerate their digital
transformation initiatives,
bringing world-class
front and middle office
transactional capabilities.
It enables financial
institutions to reimagine
the way that they engage
with their customers –
through both digital
and physical channels –
creating a consistent and
seamless experience.
 Temenos Infinity is core agnostic and
available as SaaS, in the cloud, or on-
premise, offering tools and templates to
accelerate your adoption. It removes the
complexity of integrating digital banking
services with multiple back office systems
– enabling you to launch engaging digital
solutions, fast, across all banking sectors.

Whether onboarding new accounts,

providing an omnichannel experience,
offering exceptional service, or a
combination of all, Temenos Infinity
provides digital banking capabilities that
can adapt to any market or strategic
change. It’s digital banking without limits.

We are at the beginning of an exciting journey as we build an

industry-leading digital bank that will be beautifully simple and
rewarding. We are committed to delighting our customers by provid-
ing a seamless, end-to-end experience across all channels. With
Temenos’ advanced cloud technology, we will have the agility to
bring new products to market and differentiate the customer
experience. We will also benefit from the speed of deployment
and gain operational efficiencies.”
— Greg Boyle, CEO, Virgin Money Australia (Australia)

LEARN MORE

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 WE CARE ABOUT DELIVERING RESULTS FOR OUR CLIENTS

620% 94% $2M

Improvement in Product support $2M/mo in new

Accounts Opened Apply Online cross-sell revenue
Online Credit Union digitized 47 A $2.2B credit union added
$24B AUM bank product applications in18 automated cross-sell offers
replaced account opening months and received 2,400 to new account and loan
with Temenos onboarding. digital applications in the origination, generating $2M
Monthly accounts opened first week of go-live. in new monthly revenue.
went from 2,100 to
13,000.

4.6 2.4x

App Store Increase in

Rating Products/Cust
A $1.5B credit union Clients at a $25B bank
increased app store rating using 1:1 banking
from 2.4 to 4.6 with (Engage) via digital
Temenos Infinity mobile channel have 5.85
banking and saw 16% products/client vs 2.4 for
mobile growth in 2019. non-Engage users.

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 How Do We
Address Your Goals
and Challenges?
Consumers nowadays expect the same kind
of responsive experience for their banking
needs as they get from ecommerce sites.
In order to attract and keep customers,
financial institutions must ensure that their
digital experience is easy, consistent
across channels, secure, and delivers on
expectations.

Infinity empowers financial institutions to

transform digital banking experiences so they
can compete today and lead their customers
into the future.

Unlike slow-moving or rigid out-of-the-box

application providers, Infinity empowers
accelerated deployment of a full portfolio of
frictionless, personalized, and secure banking
applications that attract new customers and
drive long-term customer loyalty.

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 More specifically the platform enables banks to:

Increase Agility — Get to market fast with an extensive repository

of ready to go features. Have the freedom to align the open
and flexible platform of Temenos Infinity to your digital banking
architecture. Use any cloud platform of your choice and elastically
scale on demand. Simplify the connectivity to any core banking
system and implement changes fast while managing application
development time and costs. Leverage advanced micro-services and
APIs to create your banking apps.

Create Smart Digital Experience — Create frictionless,

personalized and secure banking experiences to increase customer
satisfaction. Use data analytics, AI and smart banking capabilities
to provide actionable customer insights. Drive stronger customer
engagement and loyalty through a multi-channel strategy from
native mobile apps, web apps, branch to advanced interfaces like
conversational banking and wearable devices.

Go Beyond Banking — Thrive in a world of open banking and

FinTechs by easily integrating to 3rd party systems or leverage pre-built
integrations from the Temenos Marketplace. Create your own digital
ecosystem and aggregate data from external providers to deliver
value added services and open innovation to your clients.

Infinity enables financial institutions to futureproof their customer

relationships by facilitating rapid delivery of exceptional digital
banking experiences that keep pace with changing customer needs.

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 What Our
Solution Covers?
The award winning Temenos Infinity digital banking platform supports banks
of all size in their digital transformation journey. The platform is core and
cloud agnostic and provides high level of flexibility thanks to the open and
layered architecture. The API-driven microservices allows the separation
of distribution from manufacturing, increasing agility and speeding time to
market for apps built both by financial institutions themselves and by Temenos
and its partners.

Infinity provides the flexibility to drive digital transformation at any stage

for a financial institution, whether they are looking to upgrade from a
legacy application or accelerate the process of becoming a fully digital
organization. By providing both market leading, design-driven apps and a
robust, open, scalable digital platform, Infinity can meet the unique needs of
a financial institution regardless of where they are in their digital journey.

Temenos Infinity Digital Banking Platform

The Temenos Infinity digital banking platform is an open and flexible solution
that can power any banks digital transformation through reusable front-end
components, visual workflow and rules editors, a robust API orchestration
layer. It empowers bank employees with customer admin tools, end-to-end
analytics and embedded AI capabilities. The platform is built for change and
enables banks to change their front-end every day and stay always on.

Temenos Infinity Apps

Temenos Infinity offers a set of pre-built applications for all banking segments
(Retail, Business, Corporate, Wealth) as well as solutions for business areas
such as Onboarding & Origination, digital customer engagement (Engage)
and Real-time Campaigns.
 Temenos Infinity –
Digital Banking Platform Architecture
Next Generation Digital Architecture to Scale Your Business

Core Agnostic Front-end Object Services

Temenos Infinity Retail is independent of the core Temenos Infinity supports rapid app building by
banking system. The solution uses APIs to support delivering an extensive set of reusable front-end
multiple vendor cores, internally built systems, or objects that can be used by financial institutions
Temenos Transact. Hosting can be based in the themselves and by Temenos or its partners to
cloud or on-premise. construct apps. Thanks to the layered architecture
of Temenos Infinity, Digital Teams don’t need to
worry about the entire application stack during
Scalable Cloud Native app development enabling banks to construct
The solution is highly scalable and is built using new apps and implement changes at speed.
cloud-native and cloud-agnostic technology. This
means that it can elastically scale up and down
as required by the varying volumes of concurrent API Orchestration Layer
users while allowing for efficient and resilient A central piece to your digital landscape, Temenos
operation. Infinity offers a powerful API orchestration platform
that communicates your apps to all backend
systems and the crucial Temenos Infinity services
Distribution Services such as workflow, rules, events and decisioning,
API-driven microservices in Temenos Infinity removing complexity and enabling reusability and
allows the separation of client phrasing easy management of your back-end services
application of back end systems, increasing and APIs.
agility and speeding time to market for apps
built both by financial institutions themselves
and by Temenos and its partners.

Event store
Make your banking apps fully reactive to changes
that happened in the business by utilizing the
event-driven architecture of Temenos Infinity. Every
action by the user is logged as a change and any
front-end service can subscribe to an individual
stream of events that enables the apps to consume
changes coming from your bank.
 Temenos Infinity –
Digital Banking Platform Tools
Powerful Tooling to Equip Your Digital Teams

App Deployment Manager E2E Analytics

Use industry-standard deployment manager to Track your customers through the entire customer
power your CI/CD process and manage the lifecycle using advanced E2E analytics
lifecycle of your apps end-to-end. Allow your capabilities by Temenos Data Lake. Combine
Digital Teams to publish app changes quickly and data collected from your front-end apps with
efficiently across channels. data coming from your core banking and other
enterprise systems to understand your customer’s
behaviour and measure customer profitability
Decision Engine through the entire lifecycle from on boarding to
Automate your complex business decisions with account closure.
a powerful decisioning engine built on industry
best practice solutions. Use a visual designer to
Employee Facing App
create decision trees and change business rules
via configuration without the need for heavy Enable your product managers, digital marketers,
development. Use modern AI capabilities to branch employees, customer service agents
power your bank’s business decisions. and Digital Team with an administration tool to
manage your digital banking platform. Maintain
customer and employee-related information
Workflow Editor and configure the behaviour of digital banking
Automate your business process with a powerful applications from one place.
workflow editor built on industry best practice
solutions. Use a visual workflow designer to
Regional Banking Models
define and change your banking processes
with ease without heavy development. Have the Use regional pre-built 3rd party integrations in the
freedom to connect your existing BPM solutions area of local payments and KYC to get to market
to Temenos Infinity easily to realize the most from quickly.
your previous investments.

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Key
Benefits
Fast time-to-market with an extensive
repository of ready-to-go features –
Develop, test and launch fast with a rich
and constantly evolving feature set that is
ready to be deployed. Leverage pre-built
country specific and regional functions
and integration to shorten implementation
timelines.

Lower development costs – Manage

development time and costs with a low-
code environment integrated into the
whole Temenos product family.

Scale as you grow – Deploy on any

cloud and scale elastically according to
your own needs with a cloud native &
agnostic infrastructure.

Build and launch incrementally –

Leverage a modern microservices
architecture to build and upgrade
modularly and scale your capabilities
step-by-step.

Break away from the core – With a

powerful and versatile API management
platform that fits on top of any underlying
system.

Engage your customers wherever they

are – With compelling user journeys
across all digital channels with native and
web-based mobile apps, back-office
and branch automation and advanced
interfaces like conversational banking and
wearable devices.
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Create your own experiences – Bring the customer experience to the
Extend Temenos Infinity’s apps or create next level with AI – Embed AI into
new experiences that suit your needs. your customer touch points and deliver
Building on the flexibility and power of personalized experiences and value-
the Temenos Infinity platform, your digital added services to each one of your
teams can use any open-source and customers.
third-party development frameworks like
React, Angular or Vue to quickly create Deliver rich and unified Open Banking
apps across all channels. experiences – Make the best of Open
Banking and drive value from aggregated
Remove friction from your customers’ information to uncover insights and drive
lives – Temenos Infinity’s applications action across other bank’s infrastructures.
are built from the ground up to give
your customers their valuable time back. Integrate best-of-breed digital solutions
Removing friction across every single & services – Grow and innovate your
journey and touchpoint, enables people capabilities and customer experience by
to get things done with ease and have easily integrating best-of-breed 3rd party
more time for what they love. solutions & services into the Temenos
Infinity digital ecosystem.
World-class security at every layer –
Temenos Infinity is secure and compliant Leverage hundreds of fintechs at the
with regulations and industry standards. flip of a switch – Browse and integrate
With secure customer authentication curated, tested and trialed Fintechs from
(SCA), entitlements, role-based access the Temenos Marketplace.
control and overall security baked into
every aspect of the customer journeys.

Leverage the power of data – The

powerful analytics and Explainable AI
engines allow you to learn from every
customer interaction. Identify points of
attrition, abandonment and bottlenecks in
the customer journeys to improve business
processes.

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 More
Information
Temenos Workbench delivers the tooling you need for rapid innovation.

To hear more about Temenos Workbench, contact us.

Get in
Touch
For more information, write to us at
sales@temenos.com.

temenos.com

About Temenos
Temenos AG (SIX: TEMN) is the world’s leader in banking software. Over 3,000 banks across the globe, including 41 of the top 50 banks, rely on Temenos
to process both the daily transactions and client interactions of more than 500 million banking customers. Temenos offers cloud-native, cloud-agnostic and
AI-driven front office, core banking, payments and fund administration software enabling banks to deliver frictionless, omnichannel customer experiences and
gain operational excellence.

Temenos software is proven to enable its top-performing clients to achieve cost-income ratios of 26.8% half the industry average and returns on equity of
29%, three times the industry average. These clients also invest 51% of their IT budget on growth and innovation versus maintenance, which is double the
industry average, proving the banks’ IT investment is adding tangible value to their business.

For more information, please visit www.temenos.com.

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