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Packaged core banking software, Temenos Core, also sold as Temenos SaaS on Azure and AWS. It covers retail, business and corporate banking with treasury, compliance and Islamic banking modules, and states support for banks in more than 150 countries.
Temenos scores 2.5 out of 5 (49 out of 100) in the Buckingham Intelligence Core Banking and Ledgers Index 2026 and ranks 8 of 12. It is strongest for banks in many countries wanting packaged software or SaaS, and its best criterion is deployment choice at 4 out of 5. Not published or not stated on the pages read: pricing, security and clients, product coverage and deployment choice.
Scores from the Core Banking and Ledgers Index 2026.
No award in the Core Banking and Ledgers Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For banks and building societies | 58 | 6 of 12 |
| For E-money and payment firms | 46 | 8 of 12 |
| For fintechs building their own products | 43 | 6 of 12 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Banks in many countries wanting packaged software or SaaS.
What Temenos publishes on its own pages, read on 26 October 2026.
Packaged core banking software, Temenos Core, also sold as Temenos SaaS on Azure and AWS. It covers retail, business and corporate banking with treasury, compliance and Islamic banking modules, and states support for banks in more than 150 countries. Prices, certifications and a specific launch time are not published on the pages read.
| Fact | What the provider publishes |
|---|---|
| Product coverage | Retail, business and corporate banking; "trade and cash management services"; real-time treasury; regulatory compliance; Shari'ah-compliant banking. |
| Pricing | Not published on the pages read. |
| Deployment | Packaged software that is "cloud agnostic, cloud-native"; Temenos SaaS "supported by our cloud partners, including Azure and AWS". |
| Integration | Proof-of-concept environment offered on request; "realizing value in months rather than years". |
| Security and clients | Certifications not published on the pages read. Named client: Regions, described as "one of the largest regional banks in the U.S." |
| Scale | "We support banks in 150+ countries". |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: temenos.com/products/core-banking.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Core Banking and Ledgers Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Thought Machine | 3.5 | 1 of 12 | Large banks replacing a legacy core on the cloud of their choice |
| SDK.finance | 3.0 | 2 of 12 | E-money firms and fintechs wanting a published price |
| Formance | 3.0 | 3 of 12 | Fintech and crypto firms wanting a ledger they can host themselves |
| 10x Banking | 2.6 | 4 of 12 | Banks that need published throughput and uptime figures |
| Pismo | 2.5 | 5 of 12 | Banks and large firms combining cards, lending and accounts |
| Modern Treasury | 2.5 | 6 of 12 | US fintechs wanting a ledger joined to payment rails |
| Mambu | 2.5 | 7 of 12 | Lenders and deposit-takers wanting audited SaaS |
| Tuum | 2.3 | 9 of 12 | Banks wanting cloud or on-premise deployment with a stated launch time |
| Zeta | 2.0 | 10 of 12 | Banks launching card programmes |
| Finxact | 2.0 | 11 of 12 | US banks wanting an API-first core with a sandbox |
| Episode Six | 1.3 | 12 of 12 | Issuers wanting one ledger for cards, credit and deposits |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Temenos is compared with its alternatives in the table above.
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