Temenos Enterprise

Architecture & Technology

April 2017
Agenda

1. Enterprise Technology Frameworks

1. Six Framework Architecture

2. Self-sufficiency and self-determination

1. Best-in-class Design Studios for Integration,
Open APIs, Core Banking Management

3. Demonstration

4. Scalability, Security & Monitoring

5. Summary

6. Q&A
Track record of innovation…

1993 2016+
Windows Open Multie Process Model Reporting
GUI SOA XML Database ntity 24/7 Workflow Cloud SmartHybridTM
Banks database

Retail banking, Corporate banking, Treasury, Lending, Securities

Technology Trade finance
Internet banking
Product builder
Financial Crime
Mobile banking
Risk & Compliance
Constantly expanding Analytics & Reporting
Relationship-pricing, loyalty & rewards
functionality;
Payments
constantly evolving Marketplace
Functionality
technology Funds
 …extending into the future

Windows SOA XML

GUI
Open Multientity 24/7 Process Model
Database Workflow Banks
Reporting
Cloud SmartHybridTM database Online Partial In- Instant
upgrades Upgrades memory COB
Retail banking, Corporate banking, Treasury, Lending, Payments back office, Securities Graphical product builder
Trade finance Real-time campaigns
Internet banking User Agents
Product Builder Gamification
Financial Crime Componentised origination
Mobile banking

Risk & Compliance Compelling $100M general improvements

Analytics & Reporting
and unrivalled
Relationship-pricing
product roadmap
Payments

Marketplace

Funds
Full Front-to-back Integrated Stack 6

Mobile Internet Call Centre Branch Agent ATM API

Channels

Open Banking MarketPlace

Marketing
Risk and Compliance

Services
Sales Front Office

Analytics
Core Banking Payments

Back Office
 Temenos fits into the wider Enterprise Architecture 18

Mobile Internet Call Centre Branch Agent ATM API

Platform
Framework
Channels

Interaction Framework

Design Framework
Risk and Compliance

Marketing
Integration Framework

Services
Front Office

Analytics
Sales

Back Office
Core Banking Payments

Data Framework
Temenos Technology products address the major strategic pain points
8

INTERACTION
UX
Disruption Many channels
obsolescence

Cost of:
INTEGRATION Performing Evolving with DESIGN & BPM
Rigidity
in a complex fast-changing Unresponsiveness
environment customer needs

DATA PLATFORM
Organizational
Managing it Accessing it Exploiting it TCO Unscalable
complexity
 Temenos Technology products mirror banks’ strategic needs
For usability
INTERACTION
Design Studio for Design Studio User Experience
Web Services for APIs Platform

Interaction Framework
For productivity
For agility
INTEGRATION
Let banks cost-efficiently DESIGN & BPM
Design Studio for Design
Design Studio for Integration
Perform Evolve with fast- Core Banking Studio
Events in a complex changing customer Change Mgmt for BPM
environment needs Design Studio for
BPM
ESB adapters Core Banking
adapters
Dev
Integration Framework Core Banking Design Framework
For scalability For flexibility
DATA PLATFORM
Core Banking Core Banking MT Operational
Data Lifecycle Reporting NRT Analytics
Multi-Tenant Automation Monitoring
Management Models Integration (2017)
Management (2017) (Splunk app)
Data Framework Platform Framework
Enterprise Architecture

Platform Framework
Integration Framework

Interaction Framework
Design Framework
Data Framework
Component Framework

Platform
Framework Standard and Openness

What is it? Key business benefits Measurable benefits

• Complete exploitation of platform resources • Flexibility
by the JEE Application Server
• Use of standard common Application Server
skill sets
•
•
•
Independence
Scalability
Cost-efficiency
• Choice between
3+1 stacks

• 80% consultancy/day cost reduction

JEE Application Server

JDBC
JMS Open
Virtualization
Cloud
Enterprise Architecture

Platform Framework

Integration Framework
Interaction Framework
Design Framework
Data Framework
Component Framework

Integration
Framework Event Driven Architecture

What is it? Key business benefits Measurable benefits

• Make multiple systems work • Agility
together seamlessly
• Notify external systems of business
events in near real-time
• Enable 100% process automation
•
•
•
Competitiveness
Speed-to market
Cost-efficiency
4x Faster integration

Enterprise Service Bus (ESB)

(IIB, OSB, Fiorano, Tibco, BizTalk)
Standard message formats
System System
JMS/MQ
Enterprise Architecture

Platform Framework

Integration Framework
Interaction Framework
Design Framework
Data Framework
Component Framework

Interaction
Framework Resource Oriented Architecture

What is it? Key business benefits Measurable benefits

• Separation of user experience • Usability • As many user interface as
from banking • Customer experience required (by role and device)
• Unified user interface across multiple agents • Innovation
drawing on multiple back-end systems • Evolve front- and back-end at
• Cost-efficiency
• Use of open standards for interaction different paces

Leverage OData and REST

Hypermedia server
Core Banking OData services
Human System
Partner API gateway
Enterprise Architecture
Enterprise Architecture

Platform Framework

Integration Framework
Interaction Framework
Design Framework
Data Framework
Interaction
Framework Resource Oriented Architecture Component Framework

Speed up innovation

Open banking platform

Speed-to-market

Cost-efficiency
Enterprise Architecture

Platform Framework

Integration Framework
Interaction Framework
Design Framework
Data Framework
Component Framework

Design
Framework Model Driven Development

What is it? Key business benefits Measurable benefits

• Environment to configure and control • Productivity
Increase in change
10x
design-time metadata for a Temenos • Agility
product management and
• Efficient model driven development productivity
• More control over change • Faster, cheaper reaction to change
• Enable Continuous Integration and DevOps • Greater control and less risk

Design Studio
Source Control Management
Continuous Integration
DevOps
Enterprise Architecture

Platform Framework

Integration Framework
Interaction Framework
Design Framework
Data Framework
Component Framework

Design
Framework Model Driven Development
Enterprise Architecture

Platform Framework

Integration Framework
Interaction Framework
Design Framework
Data Framework
Component Framework

Data
Framework Data Lifecycle Management and Reporting Models

What is it? Key business benefits Measurable benefits

• Separated and specialised read-write and • Scalability
read only databases
• Much faster access to data for reporting
• Analyze anything anytime
• Preserve transactional performance during
• Intelligence
• Cost-efficiency 100x Faster queries
• 10x faster transactions
growth • 80% database size reduction

Non-Volatile database
Multi-dimensional data model
Column storage
Read-write Read-only
In memory database
Enterprise Architecture (Vision)

Platform Framework

Integration Framework
Interaction Framework
Design Framework
Data Framework
Component Framework

Component
Framework Banking components

What is it? Key business benefits Measurable benefits

• Separation of the logic of different • Maintainability
functions allowing them to work
independently
• Progressive renovation smoothly
• Smaller, faster, simpler upgrade
• TTM
24x7x365
• Online update
• Incremental upgrade

Example
Example
Banking
OSGi bundles
Components
Technical Highlights of Temenos product architecture

PERFORMANCE & NON STOP OPEN OPEN DEV & DESIGN

SCALABILITY RESILIENCE ARCHITECTURE ENVIRONMENT

Largest Bank in production: 24*7 operations Java EE Vendor independence for

20M transactions per day Windows / AIX / Redhat Linux system configuration.
No single point of failure
2,500 concurrent users Microsoft SQL Server / Oracle / Code-free configuration for
Online close-of-business
DB2 Web-Services, Business
Companies on single system: 90 High Availability
SaaS in Microsoft Azure Events, Tables, Screens and
architecture & DR Pre-built ESB adapters Fields.
Benchmarking to:
12,000 TPS Web-Services Interfaces Agile SDLC approach
20M Customers
44M Accounts

ARCHITECTURE HTTP / SSL / TLS REST/Odata / JSON OWASP

STANDARDS JMS / ESB BIAN NIST
JDBC Microsoft SDL ISO27001
SOAP/HTTP / XML COBIT PCI-DSS
Platform Framework enables many deployment options

Windows Windows 2012 Server, Windows Azure

Platform AIX AIX 7.x

Linux RedHat / OEL v7

Oracle 12c SE and EE – Exadata and Exalogic

Oracle Optimised

Database Microsoft SQLServer 2014 SE and EE

IBM DB2 10.x System p WE and EE

Stacks Virtualization Cloud

Ability to use software

from technology
partner (3+1 Open):
 Technology Stacks

Temenos Core Banking platform runs on several technology stacks:

TrueBlue Windows Cloud

RedHat RedHat RedHat AIX

JEE JBOSS JEE WebSphere JEE WebLogic JEE WebSphere
AIX Windows Azure PaaS
Oracle Database Oracle Database Oracle Database Oracle Database
JEE WebSphere JEE JBOSS JEE JBOSS
DB2 Database SQLServer Database Azure SQL Database
Highlights of Temenos product architecture – Agility 21

Fully Open solution with ability to co-exist with legacy landscape

No rip and replace
Easy integration within the application architecture of any institution
Componentized solution – implement only the required capabilities
Highly parameter driven in terms of
Processes
Products
Services
UserLow
Interface Autonomy High
Integration touch points
Reduced Time on
Dependent to supplier
Market, Faster ROI
The Low
Bankcommitment/risk
defines their degree of independence form the vendor
Ready deployable
Increased TTM solutions for new functionality, compliance, regulation and
technology
Smaller/static institutions
Delivery
Basicofparameter
new capabilities
se much earlier than the competition
Core Banking Configuration Capabilities 22

Rapid time to market for new products

and services

Organisational Technical Local Code

Configuration Configuration Management

• Screen Designer • Events Rich Integrated

• Composite Screen Designer • Web Services Development
• Enquiry and Report Designer • Interaction and user Environment (IDE)
• Workflows Designers agents
• New Fields Designer
• New Tables Designer
• Menus Designer
• Personalisation of controls
• Data Model

Design Studio

Source Control Management

Core Banking Architecture – 3 Tiers

Internet Mobile User Interface Monitoring IVR (3rd party) WebService

Web Layer
JEE App Server

Business Logic
Core Banking Operating System

Database
Core Banking Architecture – Single Server

Internet Mobile User Interface Monitoring IVR (3rd party) WebService

Web Layer
JEE App Server

Business Logic
Core Banking

Operating System

Database
Core Banking Architecture – High Availability

Internet Mobile User Interface Monitoring IVR (3rd party) WebService

WebServer
SCALE

Middleware
TCP/IP (SSL)

SCALE IBM WebSphere MQ

JMS

JEE App Server

Business Logic
SCALE Core
Banking
Core
Banking
Core
Banking Operating System

Database
Cluster / Hot Standby
SCALE
Core Banking Architecture – High Availability

Internet Mobile User Interface Monitoring IVR (3rd party) WebService

WebServer
SCALE

Middleware
TCP/IP (SSL)

SCALE IBM WebSphere MQ

JMS

JEE App Server

Business Logic
SCALE Core
Banking
Core
Banking
Core
Banking Operating System

Database
Cluster / Hot Standby
SCALE
Technical Architecture – Detailed View
Design

Presentation
External Systems User Interfaces / Data Services / APIs
Async. ESB Adapters Synchronous Web Services
Internet Mobile Branch Third Framework
Banking Banking Banking Party UI
Middleware / JMS UXP
Developer
(WebApps,
MobileApps)
Connectivity Framework Interaction Framework
Security Management System (SMS) Design Studio
(Event Designer,
Framework
Integration

Business Logic
Web Services,
Program API
Interaction, Data
Services, T24
Core Banking Management)

Batch
Marketplace
(B2B Widgets,
Banking
Database Connectivity Innovation)

Reporting Transaction Business

Data
Database
Data Framework Intelligence
Enterprise Integration

Enables universal and secure access to and from Core Banking business logic

Synchronous and Asynchronous access capabilities

Integrated WebServices deployment tooling capability

Value chain orchestration and master data integration

Custom adapters for integration

• Outbound adapter for events into Core Banking
• Inbound adapter for events out of Core Banking

Open and secure connectivity based on market standards

Integration Architecture – Online (WS + Events), Batch, API 29

External User
Existing Bank Systems and 3rd Party Systems Interfaces / APIs
ANY SUPPORTED
Real-time, event PROTOCOL
JMS HTTP FTP NFS

based architecture Web File SSL TCP User

Enterprise Message Service Interface
Service Bus Manager Odata REST
(ESB) (JMS) XML
Reduces Message Manager (JMS) JSON
Integration effort XML XML XML OFS
and accelerates
delivery
Connectivity Framework Interaction Framework

ESB adapters Security Management System (SMS)

Integration Framework

enable integration
Program
without knowledge API
API
of Temenos T24
internals

Batch
FILES

Database Connectivity
Integration Architecture – WebServices Overview

• Any business functionality easily

exposed as WebServices

• Core Banking service landscape

exposed as WS-I Web APIs

• WebService Design Time (IDE)

• WS-Security (WSS) compliant

Any functionality can be exposed as WebServices by tooling

Integration
WebService Architecture
definition and
– Wed
deployment
Servicestooling
- Design-time and Run-time
SOAP/XML

Source Control Web Application Server (Java)

Design Studio
Management
WSDL
WSDL
generated
MyBank.war
Deploy the new Web by container
Service

TEMENOS Open Connectivity Framework

Security Management System (SMS)

Transaction Enquiry
Select required
business services
directly from Core Banking
Core Banking

Database Connectivity

Design-time & Run-time separation. Developer-friendly Design Studio.

Integration Framework – Example: Calling a Credit Bureau 32

Challenges
Complex Schemas
Changing Specifications
Synchronous Messaging

Retrieve CRA
Third Party Services (eg report from
Credit Reference Agency
call) Credit Bureau

Retrieve CRA Map CRA

ESB Integration Flow Inbound Event report from Report to T24 Outbound Event
Credit Bureau schema

Temenos Onboarding Enter New Prospect Review Customer Credit

Workflow Details Report

(CUSTOMER,PROSPECT.PW) (ST.CREDIT.REPORT,INPUT)
Integration Framework – Multi-point Integration

Temenos Inbound
T24 Adapter

Business Events
To Alerts/Notification Engine
(Funds Transfer,
New Deposit, To AML
Customer)
E To CRM
S To ATM/Payment Networks (ISO)
Business Events
(Create Customer,
B
To Data warehouse
Setup Deposit,
Funds Transfer)
Any External System
- CRM
Temenos Outbound - ATM/Payment Networks (ISO)
T24 Adapter
- AML
- Credit Card System

Future-proof, Adapter based, ESB-Centric Integration

 Integration Framework – Design Time

1. Fetch Transaction that can trigger event Source Control

Design Time Management
out

4
2. Define Integration events
2 3
3. Create enrichment instructions
Events Flows XSD

4. Store integration project (Event, flows) into

SCM. (optional)
1 5 6
5. Publish the project to Core Banking (xsd
generation)

6. Get XML schema (xsd) describing event Event engine

Service Landscape
out format

Core Banking
Integration Framework – Design Time
Integration Framework – Design Time Innovation
Integration Framework – Run Time

1. When the contract / transaction is committed

the relevant Exit Point is triggered. Message ESB 3 Routing
constructed in XML format Transformation

ESB
JMS RM
2a. The Interface table can be polled out by the Adapter
Event Delivery Service to directly deliver event to Txn 2
JMS with 2PC

Event Delivery Service 2b

2b. The Interface table can be polled out by a ESB
Core Banking

Adapter. To directly deliver event

2a

3. The routing / transformation stage transforms

the event format to match with expected format
of the external service Transaction

1 Exit Point
RM
Txn 1

Database Interface table

Integration Framework – Demo
Temenos Enterprise Architecture – Enabling Open APIs

User Agents (Consumers)

Fintech Companies

Open API Gateway Layer

Temenos Open API – Hypermedia Server
- Paging, sorting, filtering - Location - Metadata
- Aggregation / Mashups - Profile - Errors
- Authorisation - Preferences - Validation
Open source API - Conditional links
definition language
SOAP XML Proprietary

Temenos Other Banking

Legacy Systems
Banking Suite Systems
Interaction Framework key values

Provides a unique platform for creating and consuming banking and non-
1
banking

2 Separate the transaction processors from the user interface

3 Makes interactive channels and devices easy to deliver

4 Increased flexibility into deployment choice

Less “plumbing”, less cost, and richer customer experiences

Interaction Framework – Design Time
Source Control Design Time
Management
1. Browse the Core Banking
for resources to be included in Design Studio Temenos UXP
the data service (“Discovery”
phase) .RIM file
Resource
4

Resource
2. Define resources and links
Resource
1
between them (“Exposure” Resource Resource Resource

phase)

3. Deploy .RIM as a Java web 3

application (“data service” or
1 2
“API”) in the application server

JEE
4. Discover API Application Java web application
documentation and import Server (“Data Service” or “API”)
metadata (EDMX) into Temenos
UXP* to create user-interfaces
(*optional)

T24

Resources

Data Transaction
 Interaction Framework – Run Time

1. Any user-interface can Bank-owned interfaces Third party interfaces

request (HTTP request) Fintech
Banking apps Temenos UXP Business tools Banking apps Business tools
resources from any data Marketplace
service; data available in
standard representations
(XML, JSON, HTML, etc.)
API
etc. Management Platforms
2. Security, paging, etc.
caching, and error
handling all standards
based 1
1
3
3. Use API
Management platforms
to manage APIs through
JEE 2
their lifecycle
(developer onboarding, Application Java web application
throttling, metering,
Server (“Data Service” or “API”)
and billing).

T24
Interaction Framework – Design Time
Interaction Framework – Design Time
Interaction Framework – API Services Discovery Map – For Entire T24
API 1- Customer List
Customer ID Name Sector Date of Birth
1234xxxx ……. API 2 - Loans List
……. …….
4567xxxx ……. ……. ……. API 3 – Deposits List
jSON, XML
ODATA API 4 – Edit Customer

API 3 – Deposits List

Funding ID Type Amount Date API 5 – More Details
1234xxxx …….
……. ……. API 6 – Edit Deposit
4567xxxx ……. ……. …….
jSON, XML API 7 – Close Deposit
ODATA

API 6 – Edit Deposit

Funding ID Field 1 Field 2 Field 3 API 8 – Input Deposit
1234xxxx …….
……. ……. API 9 – Authorize Deposit
jSON, XML 4567xxxx ……. ……. …….
ODATA API 10 – Reverse Deposit
Core Banking Architecture

Presentation

Design
Internet Mobile User 3rd party Design Studio
UXP
Banking Banking Interface UI (Integration, WebServices, Interaction, Workflow, Packaging)

WebService
Interaction Framework / Connectivity Framework
Middleware

Synchronous Open Financial Service (OFS)

access
Security Management System
External

Integration Framework

ESB

Business Logic
Adapters

Middleware

Asynchronous Core Banking

access

Program

Business Intelligence
Database Connectivity

Data
Transaction Database Reporting
Temenos Data Framework – Unified Data Platform
Search Business Analytics
Data Lifecycle Management (Google-style) Reporting Models Integration

Data ($) Info & Knowledge ($$$) Wisdom ($$$$)

New Reporting tools

Core Banking Analytics
Browser & digital queries

Core Banking Lucene

-70% Lifecycle
SQL
Searchable Near-
database Business
Core
Core
Banking
Banking Transactional database Real- Analytics
Reporting
Transactional
database Time database
Models
database
Near-Real- database
Time
Data Lifecycle Management: challenges addressed

Volume of data
(Retained and growth)

Operational challenges
(Backup and recovery)

Database performance
(Online & COB)
Data Lifecycle Management: key benefits

Reduced size of live database

(up to 70% reduction)
+ automated management

Maintain easy access to all data

(existing enquiries)
+ data lifecycle

Restore and preserve performance

(efficient live database)
Data Lifecycle Management: How does it work?

Before DLM With DLM

up to CB transaction DB
(live data)
-70% Non-volatile data batches
Core Banking
transaction Seamless
database NVDB enquiries
(live + aged data) (aged data) across DBs

Partition Partition Partition

Archive
Data Framework Reporting Models: challenges addressed

Digitization drives paradigm shift

(“Look-to-book” ratio 500:1)

Core Banking data optimized for

transaction processing

Complexities of data extraction

Data Framework Reporting Models: key benefits

Query-optimized copy of data

Populated in near-real-time

Complete integrated solution

Data Framework Reporting Models: how it works

Transform Load
Core Reporting DB
Integration Framework

Banking Transform Load

Database
Dispatch

Transform Load

XML
Fetch Dispatch Transform Load

XML SQL

Near-real-time “Extract, Transform & Load”

Data Framework Reporting Models: features

Multi-dimensional model History of change

Balance
Atomic time series Complete solution
Reporting
Model

Column storage Business domain

In-memory data
Security Management – User Profile

User Preference

Dashboards Company Level

& Group Access Restrictions

USER Functional and

Single Sign-On
Mechanism PROFI Application level
Restriction
LE

Date and Time Data Level

restriction Restriction
Password
Validation and
Control
Security Management – User Authentication

• Encrypted login/password (Standard, SHA-256)

• Biometric authentication (Biometrics module)
• LDAP SSO (Application server based authentication mechanisms)
End-Users • ActiveDirectory incl. Kerberos/SPNEGO- SSO (AD + ADAM)
• CA Siteminder - SSO (Uses credentials pre-authenticated by Siteminder)
• ADFS and SAML token – SSO (Communicate securely with systems outside the bank)
• Ticket Based - SSO (Intended for a system to system authentication)

• Integrated with ActivID authentication server (3rd party)

‒ Password & Seeded Memorable Word
‒ Token based (hard or soft tokens) One Time Passwords (OTP) and PIN or password – two factor
Internet Users ‒ SMS Text based One Time Passwords (for verifications)

• Integrated with RSA authentication server (3rd party)

• LDAP certificate
JMS • Username/Password
• Any method supported by the Application Server

• Certificate
FTP/BatchFileListener • Username/Password

WebService • WS-Security SOAP Header

Use of established authentication standards

Security Management – Access Control Matrix – Overview

Examples

COMPANY A City Branch

COMPANY COMPANY C Urban Branch Etc.

FUNDS.TRANSFER Lending FX FT
PRODUCT Trade Finance
MONEY.MARKET Etc. SC MM

FUND.TRANSFER,CC Commercial Loans

SUB-PRODUCT
MONEY.MARKET,TERM Import LCs Etc.

Input, See Print, History Restore

FUNCTION
Authorise, Reverse Copy, Delete Etc.

DEBIT.CURRENCY TRANSACTION.TYPE
FIELDS
DEBIT.AMOUNT TREASURY.RATE Etc.
Security Management – Audit & Log

History Maintenance and Security Logs

• Changes to records whether static files or transactions are stored as an image within the T24 'history' information and can be viewed
on line.
• All security activities including sign-on and sign off, failed sign-on attempts, password changes and password resets are also
recorded.

Transaction Audit Log

T24 automatically records following information for audit purposes:
• The user who input the transaction and the date and time
• The user(s) who authorized the transaction
• The current status of the transaction
• Any warnings that the inputter and authorizers overrode such as tolerance (i.e. limits, rates, balances) violation.
• The reference numbers of the statement entries physically created.
• The reference numbers of any 'deliveries' made i.e. SWIFT, Advice type messages.

External Audit
• T24 allows external auditors to log into the system and to update and record with the fact that it has been audited by themselves at a
particular date and time.
• This is achieved by allowing the Auditors a special 'function' code.
Security Management – Audit & Log

• Full Audit and Logging

across the entire business
and technical landscape

• Audit trail is part of each

data record

• Include Delivery ref, IP

address (optional)

Full audit and logging

Security Management – Data Transmission Protection

Data packets being sent / received between T24 Browser and T24 Application Server can be secured by Secure Sockets
Layer (SSL).
T24 Operational Monitoring - Overview
Temenos Analytics Platform – Imbedded inside the Suites

Additional modules delivered on top

of the Advanced Analytics Platform
to provide even more value in
Predictive, Embedded, and BI
Applications (Profitability & Risk)

Advanced Analytics Platform

leverages the Reporting Platform
and contains Analytics Packages
(collections of KPIs, Dashboards,
Analysis, and enhanced reports)
which align directly with Suites.

Client can purchase the Reporting

Platform and associated Reporting
Packs that align directly with suites.
These are mainly operational reports
but positions the platform to be
easily upgraded to Advanced
Analytics.
Temenos Analytics Platform – Business Intelligence Apps
Temenos Analytics & Reporting – Near Real-time Analytics Video
 Continuous Delivery with Partial Upgrades

We build and deploy software

Release Build every day

We release upgrades every

month
Continuous
delivery Annual Maintenance Release
for existing clients

Releases are cumulative

Test Deploy
Non-stop upgrades*

Clients upgrade what they want when they want

*2017 commitment
How we upgrade client software – decoupled innovation cycle

Channels
(6m -2 years)

Front – Office
(1-3 years)

Core Banking
(2-5 years)

Upgrading product family independently reducing risk and increasing Time To Market
Simple Upgrade

Upgrades to application (or application components) can be made with

minimal disruption
Client specific Minimal end-user impact

Regionalisation Upgrade is automatic (internet download)

Application logic
Application +1
logic Regular releases throughout year

Database Releases can be skipped

Simple, regular and with minimal disruption – protecting your investment

Unified Temenos Platform (UTP) – Overview

Continuous
Planning
UTP is the Temenos approach to DevOps,
providing a platform for Continuous Delivery of the
Temenos Suites, where customer feedback is at
Continuous
Collaborative
Product
the heart of our development.
Monitoring &
Development
Feedback
& Testing
UTP allows Temenos to respond more quickly to
evolving customer needs, market trends, and
regulatory changes.
Continuous
It provides Temenos with a platform for making
Continuous
Release
Integrated
Deployment
change in a fast and repeatable manner whilst
& Testing
promoting quality.

UTP supports Temenos ability to provide core

banking services via SaaS delivery models with
Standards
Best
Tooling Platform
TSS, and lower risk agile implementation models
Practices
Unified Temenos Platform (UTP) – How does it work?

UTP enables Continuous Delivery of Temenos Suites

And provides Temenos product engineering teams with

Common Infrastructure Automation Platform

Software engineering process

Dev & Test Tooling
and best practice guidance
Temenos Enterprise Architecture – Frameworks Summary

70% reduction in live transactional db

For scalability Data Manages, unlocks & extracts value from data

Integration 3x faster integration

For agility Supports real-time event-based messaging

Platform Lowest TCO

For flexibility Leaves a wide choice of stacks

Component Easy upgrades

For maintainability Localizes the impact of change

Design 10x increase in productivity

For productivity Enables model-driven dev & DevOps

Interaction 85% savings on UI development

For usability Provides an open banking (API) platform
Key Temenos Solution Differentiators 71

Full Stack Agility

• Front to back
• Flexibility and re-use
integrated value chain
• Faster time to market
• All industry verticals
• Competitive differentiation
• Broad product
coverage Key Temenos
• Third party extensibility
Differentiators

Future-proof Multi-Country
Architecture Solution

• Integration and Openness

• Model bank layered approach
• Cloud capability
• Multi-language & Multi-ccy
• Innovation-Ready
• Multi-country deployment
options
71
Future is about ecosystem
Customer Community Fintech Community Temenos Community

Collaboration
HNB Bank’s App Store
& Innovation

Temenos Marketplace

Open APIs

Temenos Banking Suite

Self-fed Innovation, Self-evolving Architecture, Future-proof eco-system

Temenos Technology – Key take away points
Open Integration Scalability Open API
• ESB-centric framework • Multi-dimensional & • ODATA Compatible
• Code-free, Future-proof Column-stored based DB • SOAP & Rest-ful Services
• Event Driven Multi-point • Query & Report Optimized • Screen/Enquiry is API
Integration DB ready
• In-memory DB (Roadmap) • Open Banking Ready
• NRT Operational Analytics

Architecture
• Enterprise-class, J2EE Innovation Friendly
• Open Platform Flexibility & Agile • Marketplace Initiatives
• 12’000 transactions p/s • Design-studio based • Finnovation Jams
• Headless Architecture • BPM Adapters • Bank’s own App Store
• Industry-standard security • DevOps Ready Vision

Temenos solutions underpinned by Open, modern technology and architecture

Thank you 74