Temenos has launched new embedded AI capabilities to help banks move faster, stay in control, and create better experiences. The new releases include Temenos AI Agents, Copilots, and Conversational Studio embedded across Temenos’ Core and Digital Banking products, as well as its Financial Crime Mitigation (FCM) solution.
Overview
These launches demonstrate Temenos’ continued execution against the product pillar of its AI strategy, which focuses on embedding intelligence into the trusted platform banks rely on to run their most critical operations. The new AI capabilities unveiled include:
- Conversational Studio for Digital, a natural-language environment for building end-to-end digital banking journeys.
- Temenos Copilot for Workbench, helping developers build, plan, and execute custom platform extensions using AI Agents.
- Temenos Copilot for Core - Branch Manager & Branch Officer personas, extending conversational support to branch officers and managers.
- Temenos FCM AI Agent for Instant Payments, extending financial crime controls to real-time payment flows.
What it does
Conversational interfaces are transforming how users interact with Temenos systems by enabling natural-language interaction with the platform. This improves productivity, reduces operational friction, and makes complex banking functionality accessible to a broader set of users. AI Agents further increase operational capacity, reduce friction and risk, and help banks scale efficiently while maintaining auditability and human oversight.
Tradeoffs
According to Barb Morgan, Chief Product and Technology Officer at Temenos, banks do not need AI added on top of critical systems. They need intelligence built into the products and workflows they already trust. Rather than introducing a separate AI layer, Temenos is embedding AI responsibly, so banks can automate operations, scale services, and innovate safely without compromising reliability or regulatory obligations.
In conclusion, Temenos' new embedded AI capabilities are designed to help banks move faster, stay in control, and create better experiences. By embedding intelligence into the trusted core of banking, banks can accelerate digital transformation while maintaining control over sensitive data and operations.