Temenos Infinity’s Hyper-Personalized Digital Banking Experience

In a world where digital experiences define customer expectations, Temenos Digital (formerly known as Temenos Infinity) is reshaping how banks and financial institutions interact with their customers. Personalization is at the heart of this transformation, providing a competitive advantage to institutions looking to meet the demand for tailored banking experiences.

Temenos Digital / Infinity empowers financial institutions to offer hyper-personalized services that combine user-friendly interfaces with powerful back-end functionalities, making banking feel more human while maintaining operational efficiency.

Accutive FinTech offers end-to-end services for Temenos Digital, ensuring that institutions are fully equipped to leverage this platform for optimized performance, personalization, and digital banking experiences. Whether through architecture design, health checks, seamless integrations, or upgrades to the latest version with microapp architecture, Accutive helps financial institutions stay ahead of the curve.

Personalized Digital Banking with Temenos Digital / Infinity

In today’s competitive banking landscape, customers expect a digital-first experience without sacrificing personalization. With Temenos Digital, financial institutions can meet these expectations by:

• Offering customized account views and banking services based on user preferences and behaviors.
• Allowing customers to manage both personal and business accounts seamlessly within one platform.
• Enhancing the overall customer experience by providing tailored recommendations, faster services, and self-service options—all with minimal friction.

Customers want personalized interactions that reflect their specific needs, whether through self-service capabilities or real-time access to account information. Financial institutions that use Temenos Digital can now offer a consistent and highly personalized customer experience, both online and through mobile applications.

Understanding Temenos Digital / Infinity Architecture

Temenos Digital is designed with a layered architecture that allows banks to offer flexible, personalized services while maintaining a robust and scalable system. These layers enable global reach while accommodating local customizations, ensuring that institutions can remain agile and responsive to their markets.

The platform architecture is broken down into three layers:

• L1: Global Product: This is the foundation of Temenos Digital, offering out-of-the-box features and functionalities that are standard across the world. It ensures compliance with global regulations and provides a baseline for digital banking services.
• L2: Regional Customizations (US and Canada): Temenos recognizes that banking regulations and customer expectations differ by region. The second layer provides regional adaptations tailored specifically for markets like the United States and Canada, ensuring that institutions can meet local regulatory and compliance requirements.
• L3: Customer Customizations: The third layer allows financial institutions to further customize the platform to meet their unique needs. Whether it’s incorporating specific branding elements, adding features that cater to niche markets, or enhancing the customer experience, this layer ensures that each bank can tailor its services.

Seamless Integration with Journey Manager

One of the key strengths of Temenos Digital is its integration with Temenos Journey Manager, a robust solution for digital account opening and customer onboarding. This integration enables financial institutions to offer a seamless, end-to-end experience, from the moment a customer starts the onboarding process to when they open their account and begin using banking services.

With Journey Manager integrated into the Temenos Digital platform, banks can benefit from:

• Faster Onboarding: Customers can open accounts and complete onboarding processes digitally, reducing manual intervention and paperwork. This not only improves the customer experience but also accelerates time-to-service.
• Automated Workflows: Banks can streamline back-office processes, ensuring that customer information flows smoothly through various systems and departments, all without compromising on security or compliance.
• Enhanced Customer Journeys: The platform allows banks to map out and optimize the entire customer journey, ensuring that every interaction is efficient, personalized, and delightful. Journey Manager also supports omnichannel experiences, meaning customers can move seamlessly between devices and channels without losing progress or functionality.

End-to-End Services from Accutive FinTech

At Accutive FinTech, we specialize in providing end-to-end services for the Temenos Digital platform, ensuring that your institution can maximize the benefits of this powerful digital banking solution. Our services include:

• Architecture and System Design: We work with your institution to design a system architecture that supports your digital banking needs, whether you’re implementing the platform for the first time or upgrading from an older version.
• Health Checks and Performance Optimization: Our team conducts regular health checks to ensure that your platform is running smoothly and efficiently. We help identify and resolve any potential bottlenecks, ensuring peak performance.
• Integrations: Seamless integration is key to maximizing the power of Temenos Digital. Whether you’re connecting the platform to your core banking system, CRM, or other third-party services, we ensure smooth and secure integrations.
• Upgrades: As Temenos Digital evolves, so should your platform. We help institutions upgrade from pre-10.21 versions to the new microapp architecture, allowing you to take advantage of the latest enhancements in speed, performance, and personalization.

Microapps: The Key to Hyper-Personalization

Temenos Digital’s microapp architecture provides a granular level of personalization that wasn’t possible with previous versions of the platform. Microapps allow banks to tailor specific features or services for individual users, creating unique customer experiences that drive engagement and loyalty.

For example:

• A customer with both business and personal accounts can view all relevant data in one place and switch between account types seamlessly.
• Banks can offer targeted promotions, alerts, and services based on a customer’s behavior, preferences, and account history.

This level of hyper-personalization not only enhances the customer experience but also provides opportunities for banks to cross-sell services, improve engagement, and boost overall satisfaction.

A Complete Digital Banking Solution with Temenos

Temenos Digital, supported by Journey Manager, is the ideal solution for financial institutions looking to offer a highly personalized, seamless digital banking experience. With a flexible three-layer architecture, hyper-personalization through microapps, and robust integration with onboarding tools, Temenos Digital enables banks to stay ahead in the competitive digital landscape.

Partnering with Accutive FinTech ensures that your institution can fully leverage the capabilities of Temenos Digital, from implementation and integration to performance optimization and upgrades.