Empowering financial innovation with composable banking

Composable banking is a modern, modular approach that enables financial institutions to create agile, scalable, and customer-centric solutions by integrating cloud-native components tailored to evolving industry demands.

Composable Banking with the power of three – Capgemini, IBM and Temenos

In a world where Artificial Intelligence (AI) and Cloud Computing are redefining industries, composable banking emerges as the cornerstone for financial innovation. This transformative platform is brought to life by the strategic collaboration of Capgemini, IBM, and Temenos, designed to address the unique demands of regulated industries.

The Temenos Composable Banking platform, hosted on the IBM Cloud, enables banks to modernize their operations, reduce technical debt, and improve customer experiences—all while navigating the complexities of regulatory compliance and security.

What Does Our Composable Banking Platform Offer?

• Regulatory compliance: Navigate the complex landscape of regulations with a platform designed to meet the highest standards of security and risk management.
• Business agility: Accelerate your business with a platform that aligns with your technology and business goals, fostering a product-centric approach.
• Scalable infrastructure: Our solution scales with your business, ensuring that you can grow without constraints, leveraging generative AI to its fullest potential.
• Strategic cloud adoption: With 91% of financial firms recognizing the cloud’s role in growth, our platform is the strategic choice for a comprehensive cloud strategy that drives business value.

Why Composable Banking is the Future

The Temenos platform incorporates Composable Banking principles, allowing financial institutions to build modular, scalable systems. By selecting pre-configured components, banks can tailor their operations to specific business needs. This approach reduces reliance on monolithic systems, empowering banks to:

• Accelerate time to market for new products and services.
• Minimize operational costs by leveraging microservices architecture.
• Adapt to evolving customer expectations with agile frameworks.

Key Features of the Composable Banking Solution

• Transact Core Banking System: Efficiently manages back-office operations while integrating seamlessly with existing platforms.
• Temenos Data Hub (TDH): Centralizes data for analytics and comprehensive reporting, improving decision-making capabilities.
• Microservices and Containerization: Enables rapid deployment and resource efficiency by utilizing Kubernetes pods and microservices architecture.

Delivering Value with Capgemini, IBM, and Temenos

The collaboration between these three industry leaders brings unmatched expertise to financial institutions:

• Capgemini: Brings over two decades of experience in implementing next-generation banking solutions.
• IBM: With its enterprise-grade cloud infrastructure, IBM ensures high performance, security, and compliance for regulated industries.
• Temenos: A pioneer in core banking solutions, Temenos provides modular tools that empower banks to meet dynamic market demands.

Future-Proof Your Banking Operations

Composable banking empowers financial institutions to focus on growth and innovation by simplifying IT complexities and enhancing operational efficiency. As financial firms increasingly adopt cloud-first strategies, the Temenos platform offers a roadmap for sustainable and scalable transformation.

Capgemini and IBM’s strategic collaboration ensures a seamless transition to the cloud, focusing on enhancing middle and back-office functions. Let’s navigate the cloud migration journey together, overcoming challenges and unlocking growth with the right strategy, partners, and solutions.

Explore how composable banking can revolutionize your financial operations.