Temenos provides core banking, lending, payments and other banking solutions to 3,000 clients across 150+ countries, from established banks, to non-banks providing banking services (BaaS), to fintechs. The cloud-native, open platform delivered on-premise, hybrid, or on any public cloud, contains rich functionality, supports quick time-to-market, and helps clients achieve cost-to-income ratios up to half the industry average.