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Spanish sunshine, high-energy drummers, blue and purple flags, saxophonists, stilt walkers and an interactive AI photograph sales space welcomed attendees to the annual Temenos Group Discussion board in Madrid this week – a energetic and upbeat backdrop for a corporation trying to reset its technique and reconnect with its group.
The Fintech Instances joined TCF 2025 to listen to from leaders, clients and companions… and to know the place the corporate is heading subsequent. This yr’s theme: ‘main the best way’.
A technique recast
Below new CEO Jean-Pierre Brulard and chief product & know-how officer Barb Morgan, Temenos is recalibrating each its message and execution. Brulard, who joined from VMware in 2024, stepped in following a turbulent interval for the corporate, which included management adjustments and an unbiased investigation into allegations raised by a short-seller – in the end dismissed as inaccurate and deceptive.
His first precedence as CEO was to fulfill clients and companions world wide to know what wanted to vary.
“I used to be not one of the best international citizen by way of carbon footprint,” he stated on stage. “I travelled kind of 145,000 miles across the globe, simply in a technique to hearken to you… nevertheless it was very well-spent time for me and for the corporate.”
Brulard stated the suggestions he acquired throughout the tour fell into 4 constant themes: the necessity for progress by means of know-how, higher multi-channel buyer centricity, larger operational effectivity and stronger threat and compliance controls. Macroeconomic uncertainty, he added, has solely made the case for focused know-how funding stronger.
That listening tour is now feeding immediately into Temenos’ strategic course. Since late 2023, the corporate has bought off its Multifonds enterprise, opened an AI Innovation Hub in Florida, appointed a string of latest executives and made structural shifts in staffing – decreasing headcount in India whereas rising its concentrate on the US and Western Europe. It has additionally dedicated to new progress targets by means of to 2028, with a concentrate on SaaS, modularity and recurring income.
‘Not within the boardroom’
Morgan’s keynote felt grounded and sensible, reflecting the client suggestions she says has outlined her first months within the position. “We’re going to construct much less, however we’re going to construct it higher,” she informed attendees. “We formed our new mission – main banking ahead – not within the boardroom, however with our clients, our companions, and our folks.”
Appointed in late 2024, Morgan joined Temenos from the London Inventory Change Group, bringing expertise in product and know-how management throughout corporations like FIS, Capital One and Boeing. Her concentrate on customer-centric innovation got here throughout clearly.
She spoke immediately in regards to the suggestions Temenos has acquired. “Actual partnerships aren’t constructed on silence, they’re constructed on honesty,” she stated. “We’re nonetheless listening, however we’re partaking earlier. And as a substitute of merely following necessities, we’re going to guide with experience and perception.”
She described a shift from measuring output to specializing in real-world outcomes. “In banking, 99 per cent isn’t sufficient,” she stated. “Individuals’s cash, identification and belief are on the road each single time.”
Her three priorities for the product staff are resilient, high-performing platforms; quicker time-to-value; and extra intuitive person experiences.
Temenos, she stated, is changing into extra intentional in the way it allocates R&D funding, doubling down on strategic merchandise that ship long-term impression. “Once we announce merchandise, it’s going to imply one in all three issues: it’s dwell, it’s in personal preview, or it’s being actively co-developed with our clients, with assured basic availability inside six months.”
AI… innovation with guardrails
Like nearly each tech occasion we’ve attended over the previous yr, it didn’t take lengthy for AI to prime the agenda.
Morgan guided attendees by means of Temenos’s strategy, unveiling two flagship AI merchandise: the FCM AI Agent, a compliance engine that makes use of superior AI to scale back false positives and consider screening alerts in actual time augmenting human capabilities, and the Temenos Product Supervisor Copilot, empowering banks to design, launch, take a look at and optimise monetary merchandise quicker utilizing generative AI.
Each instruments have been developed by means of Temenos’ Design Companion Programme: an initiative that throws banks, builders and even spaghetti into the identical room to co-create real-world options at velocity.
Christine Huberty of Banque Internationale à Luxembourg (BIL), who joined Morgan on stage, described the collaborative course of behind growing the FCM AI Agent as “actually, actually enjoyable”.
“We had very intensive workshops with video games and staff constructing workouts involving spaghetti. It was a brand new approach of getting all folks working collectively and guarantee that from the start, the enterprise is pleased with what we’re growing, and that we’re actually addressing the factors that we will have.”
In the meantime, Commerce Financial institution and Varo Financial institution helped develop the Co-Pilot software, which was demoed on stage utilizing Microsoft Groups. A fictional product supervisor was in a position to analyse buyer segments, generate overdraft pricing constructions and assess regulatory threat, all by way of pure language prompts.
From perception to motion
Over two days of classes at TCF 2025, Temenos, its companions and clients explored extra methods how its new methods are being put into follow.
Temenos CRO Will Moroney talked in regards to the firm’s buyer and companion engagement mannequin, pointing to a delivery-led construction backed by over 8,000 folks throughout its ecosystem. He was joined on stage by Marnix Tummers of ABN AMRO and Paul Weiss of Areas Financial institution, who mentioned what robust collaboration seems to be like in follow.
Isabelle Guis, who joined Temenos as chief advertising officer in July final yr, shared insights from a world research by Hanover Analysis of 424 enterprise and know-how leaders in monetary providers that indicators a shift in banking priorities.
“Like Jean-Pierre, Barb and Will, I’ve frolicked listening, actually listening, to you,” she stated. “You shared your ambition of transferring quicker, innovating smarter and higher serving your buyer, however you additionally voiced considerations on how one can stability innovation and threat… and the way to ensure your know-how companions enable you lead with resilience, not simply sustain.”
Her session highlighted rising funding in digital transformation and AI: 84 per cent of banking leaders surveyed stated they’re rising funding in know-how to guard their clients and 81 per cent additionally stated the identical for enhancing operational effectivity.
Voices from the ecosystem
Christian Sarafidis, chief govt, EMEA Monetary Providers at Microsoft, used his keynote to discover the capabilities of agentic and generative AI. He closed with a reminder that innovation means greater than incremental change: “The electrical gentle didn’t come from the continual enchancment of the candle.”
Dr Jonnie Penn of the College of Cambridge supplied an pleasing counterbalance, calling for reflection on AI’s moral implications and long-term impression.
““No person has a textbook on this matter. There’s no 101, no cheat sheet that provides you all of the solutions,” he stated. “You need to work collectively, like scientists in a lab, to determine it out. But when you are able to do that, and discover worth and belief, you’re nicely positioned to succeed.”
Dan Broten of EQ Financial institution outlined a data-driven strategy to buyer personalisation, whereas Will Wright of Santander Worldwide shared classes from transferring off a legacy core.
We additionally chatted to Temenos’ product director for monetary crime, Adam Gable, who mentioned the event of its AI growth work.
“It’s not about fixing summary challenges… we’re constructing options in situ, with actual establishments, underneath regulatory scrutiny.”
That’s leisure
Outdoors the formal classes, the discussion board stored up a celebratory edge. Delegates examined out an AI-powered photograph sales space (with results from surrealism to metropolis banker), and gathered for a gala dinner underneath blue skies on the Castillo de Viñuelas, a Seventeenth-century property set in a protected pure park.
Temenos stays in a interval of change, and far of what’s promised remains to be in movement. However its management seems to be sending a constant message: transformation is underway and buyer co-creation is central to what comes subsequent.
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