Financial Inclusion
Extend Financial Inclusion rapidly using a packaged and integrated model bank that is developed specifically to increase access to relevant financial services.
Financial Inclusion Solution
Financial Inclusion is focused on increasing access to financial services for individuals and businesses who have been historically excluded. Temenos’ solution enables institutions to rapidly deploy specialist and relevant products both digitally and through physical distribution channels.

Go-Live Faster
Identify the expected time, effort and resource requirements beforehand. Functionality and processes are pre-configured to provide model bank templates for rapid deployment based on 25 years of industry best practice.

Process-Guided Product Builder
Create new products quickly using embedded best practices for optimal results.

Pre-Packaged Specialized Products
Instant access to Temenos Transact, model bank functionality and Temenos Infinity channels as well as user experience.

On-Premise or On-Cloud
Deployment options are available according to your individual needs; on-premise or SaaS on a private, public or hybrid cloud.

Open APIs Enable Innovation
Published APIs for open banking, interoperability, digital payments, and the latest FinTech innovations.
Measurable Success
Over 9 MILLION
9.6 million customers
99 %
99% uptime

Read the Success Story“For the services, we are allowed to offer, there is no difference between what you get at the micro-finance and rural bank level and what you get when you go to the investor banks, which is a great achievement, all powered by the Temenos solution. We will any day, any time, recommend Temenos to any micro-finance institution.”
Michael Appiah, Head of Operations ARB Apex Bank Ltd.
Product Overview
Customer Success
Judo Bank – Success Story
Judo has subscribed and on-boarded to the Temenos software-as-a-service cloud offering which we run on the Microsoft Azure Cloud service. Through this process, which took 6 months, and having their full banking license, Judo is ready to establish a production-ready data-driven front-to-back solution.
Grasshopper Bank – Success Story
If you could build a bank from scratch, what would you do differently to established players? This question sparked the idea for Grasshopper Bank—the first 100 percent digital commercial bank in the U.S. Targeting the booming innovation ecosystem, Grasshopper Bank aims to offer anytime, anywhere banking services to born-online start-ups and technology companies.
Volt Bank – Success Story
Because everyone deserves a better, fairer way to look after their money.Volt Bank (Volt) is the first retail challenger bank launched since the 2000s and was granted its banking license…

Read the success story“A robust and open back end is essential to innovation in financial services. It allows our systems to scale and remain nimble. This is what Temenos provides. We see a lot of other players with very interesting new technologies but struggling to move from one successful operation to a global multi-country operation at scale. When Microred decides to move into a different direction or change markets, it’s not a question of more implementation, but a simple configuration in the back end.”
Denis Moniotte, Chief Innovation Officer and CTO – Microred
Temenos Platform
You’re in Good Company
Related Insights
ARB Apex Bank – Video Testimonial
Michael Appiah, Head of Operations, ARB Apex Bank talking about their experience with Temenos and their microfinance offerings.
WB Finance – Video Testimonial
Mr. Chanveasna Heang, Head of Projects, WB Finance talks about how by upgrading to the latest version of Temenos Transact Inclusive Banking, WB Finance gained new capabilities that will help it to achieve operational efficiencies, improve customer service and seize competitive advantage.
Latest News
Ep114: SIBOS 2020: What role could technology play in humanising banking? – IBS Intelligence
Financial inclusion and wellbeing becomes even more important in a crisis, and the global pandemic is no different.
Temenos: Middle East and Asia believe Cashless is the Future
Geneva-based Temenos released a global retail banking survey which revealed that banks in the Middle East and Africa (MEA) are the strongest believers in a cashless society.
Yemeni Bank Selects Temenos to Accelerate Digital Banking Adoption and Promote Social and Economic Progress
Al Kuraimi Islamic Bank, one of the most innovative banks in Yemen, chose cloud-native, cloud-agnostic Temenos Infinity and Temenos Transact to deliver digital banking services for the Islamic market.