Temenos Launches the First Responsible Generative AI Solutions for Core Banking

Temenos has launched what it describes as the first responsible generative AI solutions designed specifically for core banking, integrating transparent and explainable AI tools directly into its banking platform.

The new capabilities allow bank employees to query data and generate insights using natural language, removing the need for technical expertise in data analysis. Temenos said the AI tools are designed to improve efficiency across customer operations, middle office workflows, and product development by automating tasks that previously required manual data extraction and analysis.

The company emphasised the "responsible" dimension of its AI approach, noting that all outputs include full audit trails and explanations of how conclusions were reached. This transparency is critical for banking, where regulatory requirements demand that institutions can demonstrate the reasoning behind automated decisions, particularly in areas such as credit assessment and compliance.

Temenos's generative AI tools are embedded within its existing banking platform rather than offered as standalone products, meaning that banks already running Temenos systems can activate the capabilities without separate procurement or integration projects. The tools draw on data already held within the bank's Temenos environment, keeping sensitive information within existing security perimeters.

The launch comes as banks worldwide evaluate how to deploy generative AI in production environments while managing the regulatory, reputational, and operational risks associated with the technology. Temenos, which provides core banking software to over 3,000 financial institutions globally, is positioning itself as a trusted pathway for banks looking to adopt AI without building capabilities from scratch.