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Temenos
Software

Temenos Company Overview

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Temenos

● Active
Software · Geneva, Switzerland · Est. 1993
Banking SoftwareFinTechCloudSaaSCore Banking↗ Website
$3.2B
Valuation
$1.0B
Revenue
8k+
Employees
1993
Founded

Temenos is a Swiss banking software company providing core banking, digital banking, and financial crime mitigation solutions to over 3,000 financial institutions across 150 countries. Its cloud-native platform serves retail banks, corporate banks, wealth managers, and payment providers seeking to modernize legacy core systems at scale.

Recent Press
5 items
Press Release·2026-02-24
Temenos Raises 2028 Targets: $1.23B ARR, $480M EBIT, and $410M Free Cash Flow
Temenos raised its medium-term 2028 financial targets to at least $1.23 billion in ARR, approximately $480 million in non-IFRS EBIT, and roughly $410 million in free cash flow on an organic constant currency basis, reflecting strong platform momentum.
Press Release·2026-02-24
Temenos Forecasts 9% Core Earnings Growth and 12% ARR Expansion for 2026
Temenos issued 2026 guidance for subscription and SaaS revenue growth of approximately 9% and ARR expansion of around 12% on an organic constant currency basis, with analysts describing the annual outlook as a 'pleasant surprise.'
Press Release·2026-02-24
Temenos Reports 11% Product Revenue Growth and 12% ARR Growth in FY-2025
Temenos delivered strong FY-2025 results with above-market product revenue growth of 11%, annual recurring revenue growth of 12% (now over 90% of product revenue), and free cash flow growth of 15%, as the SaaS transition accelerated.
Press Release·2025-12-11
Temenos Launches CHF 100M Share Buyback Program Through End of 2026
Temenos announced a new CHF 100 million share buyback program commencing December 11, 2025, running through December 30, 2026, as the company returns capital to shareholders following strong operational execution in 2025.
Product Launch·2025-10-15
Temenos Launches FCM AI Agent and Money Movement & Management AI Banking Products
Temenos launched its FCM AI agent and the Money Movement & Management platform as part of its AI-embedded banking software strategy, targeting composable core banking modernization for financial institutions worldwide.
Company History
9 milestones
George Koukis founded Temenos in Geneva with a mission to build modern, portable banking software to replace the proprietary mainframe systems dominant at the time. The company's first product, GLOBUS, was designed for international banks operating across multiple currencies and countries.

Temenos Organization Structure & Team

Org Chart
7,500 employees · Click a leader to explore their team
7,500 across 12 departments
Chief Executive Officer
Jean-Pierre Brulard
Philip Thomas — Departments
· 7500 people across 12 depts

Temenos Financials, Revenue & Market Share

Annual Revenue
$1.0B
+3% vs prior year
YoY Growth
+3%
From $971M to $1.0B
Revenue / Employee
—
Annual revenue per full-time employee
Revenue Growth
2021
2022
2023
2024
2025
$971M
$971M
$935M
$967M
$1.0B
Market Share
B2B SaaS Software
27%
share
Temenos
27%
Oracle FLEXCUBE
18%
Finastra
15%
FIS
12%
Others
28%
—
TAM
—
SAM
—
SOM
Revenue Streams
Core Products/Services70%
Value-Added Services20%
Other Revenue10%
Business Units
Core Business70%
Primary product and service delivery
Growth Initiatives20%
New markets and product expansion
Corporate & Admin10%
Central functions and shared services

Temenos Internal Tools & Processes

Internal Tools
12 departments
Engineering & R&D2500 people · 3 roles
Standards & Certifications
10 standards
Compliance frameworks, security audits, and quality certifications this company maintains.
Security
SOC 2 Type II
Certified
Temenos Banking Cloud and its managed hosting infrastructure maintain SOC 2 Type II certification, providing independent third-party assurance that Temenos' security, availability, and confidentiality controls meet AICPA Trust Services Criteria for banks migrating sensitive financial data to the cloud.
Security
ISO 27001
Certified
Temenos holds ISO/IEC 27001 certification across its development and cloud operations, ensuring that the information security management systems protecting Temenos Transact source code, customer data, and Banking Cloud infrastructure meet internationally recognized standards.
Security
PCI DSS Level 1
Certified
Temenos Payments Hub is certified to PCI DSS Level 1, the highest tier of the Payment Card Industry Data Security Standard, enabling banks and payment processors using Temenos to handle cardholder data in compliance with Visa, Mastercard, and global card scheme requirements.
Privacy
GDPR
Compliant
Temenos Banking Cloud and all SaaS products are designed for GDPR compliance, with data residency controls, right-to-erasure workflows, and data processing agreements that allow European banks using Temenos to meet their obligations under the EU General Data Protection Regulation.
Security
SWIFT CSP
Compliant
Temenos Payments Hub and Transact comply with the SWIFT Customer Security Programme (CSP) mandatory controls, ensuring that banks running Temenos-based SWIFT connectivity meet the baseline security requirements for access, monitoring, and incident response on the SWIFT network.
Quality
ISO 9001
Certified
Temenos holds ISO 9001 quality management system certification, applied to its software development lifecycle, customer support operations, and professional services delivery — giving financial institution clients confidence in consistent, auditable product release and implementation quality standards.
Regulatory
ISO 20022
Compliant
Temenos Payments Hub is fully ISO 20022 native, supporting MX message formats for SWIFT, SEPA, and domestic real-time payment schemes. Banks using Temenos can meet central bank and SWIFT ISO 20022 migration mandates without replacing their payment engine or investing in middleware translation layers.
Regulatory
DORA
Compliant
Temenos has aligned its Banking Cloud operations and contractual frameworks with the EU Digital Operational Resilience Act (DORA), providing European bank clients with the contractual audit rights, incident reporting procedures, and third-party ICT risk management documentation required under the regulation effective January 2025.
Security
FIPS 140-2
Certified
Cryptographic modules used within Temenos Banking Cloud and Temenos FCM are validated to FIPS 140-2 Level 1, ensuring that encryption implementations protecting transaction data, authentication tokens, and customer records meet U.S. federal standards for cryptographic security.
Regulatory
APRA CPS 234
Compliant
Temenos supports Australian bank clients in meeting APRA CPS 234 (Information Security) requirements by providing audit logs, penetration testing evidence, and third-party security assessment documentation needed for prudential compliance with the Australian Prudential Regulation Authority's information security standard.

Temenos Interview Preparation

Interview Prep
Role-specific interview questions and keywords. Select a department, then click any role to prepare.
Engineering & R&D· 3 roles

Temenos Products & Competitors

Product Suite
5 products · select one to explore
Software
Core Banking Platform
Temenos Transact
The world's most widely installed banking software

Temenos Transact is a cloud-native core banking system managing the full spectrum of retail, corporate, and private banking operations for over 700 banks globally. It handles accounts, lending, deposits, and multi-currency processing on a single composable platform that banks can extend through open APIs.

Use Cases
Migrating a retail bank's legacy core onto Temenos Transact hosted on AWS, reducing nightly batch processing from 6 hours to under 45 minutesConfiguring Transact's product factory to launch a new fixed-term deposit product across 12 country branches in a single dayRunning multi-currency intraday ledger reconciliation for a regional bank operating in 30 markets using Transact's multi-entity framework
No image
Key Customers
CPB
Capitec Bank
ARBK
Arab Bank
LNR
Lunar Bank
Competitive Intelligence
VSOracle FLEXCUBE
THEM

Oracle FLEXCUBE is a core banking platform serving over 600 financial institutions worldwide, offering modular retail, corporate, and Islamic banking capabilities built on Oracle's database and middleware stack.

EDGE

Faster parametric product configuration with no-code product factory

VSFinastra Fusion Essence
THEM

Finastra Fusion Essence is a cloud-native core banking system designed for retail and SME banking, providing account management, lending origination, and open banking APIs through Finastra's FusionFabric marketplace.

EDGE

Broader pre-built regional regulatory templates for emerging markets

VSThought Machine Vault Core
THEM

Thought Machine Vault Core is a cloud-native core banking engine built on a smart contract ledger, enabling banks to define all products as code and deploy on any public cloud without legacy dependencies.

EDGE

Proven migration tooling for tier-1 banks with zero-downtime cutover

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