Overview
Temenos AG is a Geneva-headquartered financial technology company founded in 1993. It develops banking software for financial institutions, spanning core and digital banking, wealth management, and payments, with deployment options including on-premises, cloud, and software-as-a-service. Its stated mission is “to create a world where people can live their best financial lives.” [1][2][3]
Temenos serves clients in more than 150 countries. Its global office network includes 52 offices in 38 countries.[2][4] For reporting year 2025, Temenos reported non-IFRS revenue of USD 1,071.1 million. The company reported a worldwide workforce of 5,205 at year-end, a measure that includes employees, business partners, and contractors.[5][6] [1][2][3][4][5][6][3][4]
Products & services
Temenos’ principal products are Core Banking (including Temenos Transact), Digital Banking, Payments and Wealth Management. Core Banking provides modular capabilities for retail, business and corporate banking, including deposits, lending, commercial finance, payments, treasury and Islamic banking. Digital Banking provides front-office services and tools for customer onboarding and digital financial-service journeys.[2][7][8] Payments software supports payment processing and payment-rail management, while Wealth Management covers digital wealth and private banking, investment and portfolio management, securities, and related processing.[9][10]
Other offerings include Journey Manager for customer journeys and workflow automation, Lifecycle Management Suite for loan and account origination and servicing, and Financial Crime Mitigation for anti-money-laundering, screening and fraud-related compliance capabilities. Temenos also offers implementation, migration, advisory and extension-development services; its SaaS offering includes platform operations and support.[2][11][12][13][14][15]
The platform is described as cloud-native and cloud-agnostic, with on-premises, hybrid, private- and public-cloud, and SaaS deployment options. Transact also provides microservice APIs and independently deployable components.[16][17] In its 2025 company overview, Temenos reported an approximate product mix of 81% Core Banking and 11% Digital; the cited overview does not give comparable shares for the other products.[2] [2][16][7][8][9][10][11][12][13][14][15][17]
Geographic presence
Temenos’ software serves customers in more than 150 countries. Its 2025 interim reporting described more than 950 core-banking and 600 digital-banking clients across that footprint. Q2 2026 reporting refers to business activity in APAC, Europe and the United States, but does not provide a quantitative regional revenue breakdown.[18][19]
In the FY2025 regional employee table, Temenos listed 2,925 employees in India, 955 in Europe, 641 in the Americas, 300 in Asia Pacific, and 234 in the Middle East and Africa—5,055 across those categories. Those figures correspond to approximately 57.9%, 18.9%, 12.7%, 5.9% and 4.6% of the table total, respectively. The report separately states total headcount of 5,205, so the regional table does not account for 150 employees.[20][21]
Temenos’ global office directory lists 52 offices in 36 countries, including locations in Geneva, New York and Frankfurt. Its contact page gives a different country count (38).[4][22][23][24][25] [20][18][19][21][4][22][23][24][25]
Business segments
Temenos’ disclosed revenue breakdown is by three revenue categories, rather than three separately identified operating segments. Subscription and SaaS covers subscription-based software licensing, whether on-premise or cloud-delivered; maintenance covers technical support and unspecified updates, upgrades, and enhancements; and services covers consulting, training, and implementation.[26][27][28]
For the six months ended June 30, 2026, subscription and SaaS contributed approximately 37% of revenue (USD 196.2 million), maintenance 50% (USD 266.2 million), and services 13% (USD 72.0 million), out of total revenue of USD 534.4 million.[29] For comparison, FY2025 revenue mix was approximately 42% subscription and SaaS, 46% maintenance, and 12% services.[30] Temenos states that operating-segment reporting follows internal reporting to the chief operating decision maker, the Group CEO; these revenue categories should therefore not be assumed to represent separate operating or geographic segments.[31] [26][27][28][30][31][29]
Company history
Temenos was founded in 1993 by George Koukis. Its banking software evolved from the Electronic Banking System through Globus to T24, with client migrations to T24 beginning in 2003. The company went public in 2001, when it reported 33 offices across 20 countries.[32][33][34][35][36]
Temenos announced the acquisition of Financial Objects in 2008; the deal became effective in 2009. It acquired fund-administration software provider Multifonds in 2015, then broadened its digital banking capabilities with the acquisitions of Avoka in 2018 and Kony in 2019. Around this period, it presented T24 Transact as its core-banking product and Infinity as its digital-banking product.[37][38][39][40][41]
CEO Max Chuard announced his departure in 2023, and Jean-Pierre Brulard took over in May 2024. Brulard stepped down in September 2025, when CFO Takis Spiliopoulos became interim CEO. In 2025, Temenos completed the sale of Multifonds, which it had acquired a decade earlier.[42][43][44][45][46] [32][33][34][35][36][37][38][39][40][41][42][43][44][45][46][32][33][34][35][36][37][38][39][40][41][42][43][44][45]
Sources
- TEMENOS — Press release (2026 Q 1)[1][46]
- TEMENOS — Full financial report (2025 Y)
- www.temenos.com[3]
- www.temenos.com[4]
- www.temenos.com[7]
- www.temenos.com[8]
- www.temenos.com[9]
- www.temenos.com[10]
- www.temenos.com[11]
- www.temenos.com[12]
- www.temenos.com[13]
- www.temenos.com[14]
- www.temenos.com[15]
- developer.temenos.com[17]
- www.temenos.com[18]
- www.temenos.com[19]
- www.temenos.com[21]
- www.temenos.com[22]
- www.temenos.com[23]
- www.temenos.com[24]
- www.temenos.com[25]
- www.temenos.com[29]
- TEMENOS — Press release (2025 Y)[30]
- www.temenos.com[32]
- basecamp.temenos.com[33]
- www.temenos.com[34]
- www.temenos.com[35]
- www.temenos.com[36]
- www.temenos.com[37]
- www.temenos.com[38]
- archive.temenos.com[39]
- www.temenos.com[40]
- www.temenos.com[41]
- www.temenos.com[42]
- www.temenos.com[43]
- www.temenos.com[44]
- www.temenos.com[45]
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