Temenos Unveils AI-Powered Payments Platform at Sibos 2025

Banking software giant Temenos has officially launched a new AI-powered platform for money movement and management, a major new offering unveiled on the opening day of the Sibos 2025 financial services conference in Frankfurt.

The new solution, a significant addition to the Temenos portfolio, is designed to help banks and financial institutions modernize their aging payment systems and capitalize on the immense data generated by the trillions of dollars in daily global transactions.

Intelligent Payments for a New Era
The platform leverages artificial intelligence to bring a new level of intelligence and efficiency to the entire payments lifecycle. Speaking at the launch event, Temenos executives highlighted several key AI-driven capabilities:

Intelligent Payment Routing: The AI can analyze multiple factors in real-time—such as cost, speed, and network availability—to automatically select the most efficient route for any given payment, whether it's a domestic transfer or a complex cross-border transaction.

Proactive Fraud Detection: By learning the normal patterns of payment behavior for individual and corporate clients, the AI can more accurately identify and flag anomalous transactions that could be fraudulent, reducing false positives and improving security.

Enhanced Liquidity Management: The platform provides banks with AI-powered forecasting tools to better predict cash flow and manage their liquidity, a critical function in a world of real-time payments and volatile markets.

Personalized Cash Management Insights: For corporate clients, the system can analyze their payment data to offer personalized insights and recommendations, helping them optimize their working capital and make smarter financial decisions.

A Unified Platform for a Fragmented World
A key selling point of the new platform is its unified nature. It is built on a single, modern architecture that can handle a wide range of payment types, from traditional Swift messages and high-volume retail payments to instant and card-based transactions. This allows banks to move away from the complex and costly patchwork of legacy systems that many still rely on.

"The payments landscape has become incredibly fragmented and complex," a Temenos executive stated during the presentation. "Our new AI-powered platform is designed to cut through that complexity, providing banks with a single, intelligent solution to improve efficiency, reduce risk, and deliver a better experience for their customers."

The launch at Sibos, the world's premier financial services event, underscores the urgency within the banking industry to adopt AI. As competition from fintech challengers intensifies, the ability to offer smarter, faster, and more data-driven payment services is no longer a luxury, but a critical necessity for survival and growth.