Temenos Launches AI-Powered Money Movement & Management Platform at Sibos 2025 to Speed Payments and Reduce Costs

Temenos Launches AI-driven Money Movement & Management Platform at Sibos

SIBOS, Frankfurt - September 29, 2025. Temenos introduced a unified platform that brings payments, accounts, risk, and treasury into one stack. The goal: move money faster, with higher reliability, and at a lower operational cost.

For leaders, this means fewer silos, cleaner processes, and a direct path to real-time services without stitching together multiple vendors. It builds on Temenos Payments Hub, already used by banks worldwide.

Why this matters for management

Instant payments and AI are reshaping customer expectations and compliance workloads. Fragmented systems slow change and inflate costs. A single, intelligent platform simplifies operations and reduces manual work.

Barb Morgan, Chief Product and Technology Officer at Temenos, said: "With the rapid rise of instant payments and the growing influence of AI in financial services, institutions are actively seeking solutions that are both unified and intelligent to manage increasing complexity, compliance demands, and customer expectations."

What's included

• Unified money movement and account servicing with integrated risk and treasury modules.
• AI-driven services: automated payment repair, fraud detection, and copilot tools to improve straight-through processing.
• FCM AI Agent for real-time screening that materially reduces false positives.
• Integration accelerators for digital wallets and alternative networks: Wise, Thunes, Mastercard Move, Visa Direct, and Standard Chartered Scale.
• Built for banks, EMIs, and PSPs across cross-border and domestic flows.

Analyst perspective

Gareth Lodge, Principal Analyst at Celent, said: "Payments are the lifeblood of financial services, but fragmented and legacy systems often hold institutions back. Organizations need to bring together the core servicing aspects of money movement, and the management of that money, in a way that simplifies operations, accelerates innovation and positions banks to thrive in a real-time, customer-first world."

Proof from the field

FINCI, an EMI regulated by the Bank of Lithuania, went live on the platform in four months. CEO Mihails Kuznecovs said they can onboard new payment providers in weeks and process thousands of payment requests per second to deliver a fast, flexible, reliable service.

Standards and deployment

The solution is ISO 20022 and Open Banking ready, supporting global operations and partner ecosystems. For context on ISO 20022, see the official standard overview here, and for Open Banking guidance, the UK framework here.

Deployment options include SaaS, public cloud, on-premises, or hybrid. This gives technology and operations leaders flexibility on cost, control, and regulatory needs.

What this means for your roadmap

• Consolidate payment rails, account services, and risk tooling to reduce handoffs and reconciliation work.
• Use AI services (repair, fraud, screening) to lift STP rates and lower false positives and manual reviews.
• Accelerate new scheme and wallet onboarding with prebuilt connectors to widen revenue channels faster.
• Adopt a phased migration: start with a high-volume corridor, instrument metrics (STP, fraud alerts, resolution time), then scale.
• Choose a deployment model that fits your regulatory, latency, and cost profile.

Quick checklist for executives

• Map current payment and account flows; quantify manual touchpoints and exception costs.
• Prioritize features that directly cut cost-to-serve: automated repair, screening, and fraud controls.
• Plan for ISO 20022 data leverage across compliance, analytics, and customer servicing.
• Define KPIs: STP rate, integration cycle time, fraud false positives, time-to-onboard new partners.

Additional resources

If you're upskilling teams on AI in finance, this curated overview can help: AI tools for finance.

Press contacts

• Scott Rowe & Michael Anderson, Temenos Global Public Relations - +44 20 7423 3857 - press@temenos.com
• Gabriel Goonetillake, Temenos Team at Edelman Smithfield - +44 7813 407710 - Temenos@EdelmanSmithfield.com