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Temenos Infinity – A Digital Front Office

July, 2021
Introduction
Creating the separation of channels, distribution and manufacturing
3
 A Holistic Digital Banking Capability
One of the main features of a
New to bank, mass corporation is limited liability,
market, premier, mass Small retail shop, or the separation of business
affluent, etc. Includes service center, family assets and liabilities from the
Wealth for Retail business etc. assets and liabilities of owners

Retail Gig and Wealth Small & Enterprise or

Small Medium Corporations
Business Business

Music teacher, uber driver, Medium business - typically

sole-trader. consisting of 5-500 employees,
scaling up.

4
 Omni-channel data driven engagement
Onboarding Servicing
Journey Manager drives the Independent banking services to
optimisation enable payments, aggregation,
investing, etc.

Engage
data-driven real time
engagement to retain,
upsell & service
customers

Digital Banking Intelligence

Native apps & web interfaces Data insights & intelligence driven
enable experience banking by AI and data

5 5
Temenos Infinity In Banking Architecture Landscape

Open Banking Bank

Ecosystem

Temenos Infinity
3rd party Open APIs Digital Front Office (DFO)
developers
Bank
APIs

APIs
Peripheral
3rd party Systems
providers
Temenos Transact or Any Back-
Office

Client Runs Software Temenos Runs Software

On Premise Temenos
Hybrid
Cloud Like SaaS 6
 Temenos Infinity Reference Architecture
Chat-bot ATM API Mobile Internet Call Centre Branch Agent Chat

API layer
Watchlist
Marketing Infinity Services Servicing Customer
Profitability
KYC Real-time Marketing Approval Matrix Account
Messages Holdings Predictive
Engagement Catalog Aggregation
Analytics
AML Open rules Card Payment and
Entitlement
engine Management Transfers Journey
Sales Analytics
Fraud
Alerts engine Engage Cheques Bills
Product Embedded
Onboarding Analytics
Origination
User Loans and
Compliance

Managemen Workflow Deposits …

t
Risk &

Analytics
Integration
Transact
eMarketTrad modeFinanc
&
Connectors
T24/Any
Core
er e
Templafy TraydStream Salesforce IDology noknok Visa Zafin
Reporting

API layer
Core and Other Back-Office Systems
7
Explainable Artificial Intelligence (XAI)
 Temenos AI and Banking
Temenos introduces the first explainable AI
platform, and dedicated AI platform for
banking clients who can now:

Procure off-the-shelf and bespoke Temenos explainable models for

banking automation, efficiency and meaningful customer engagement

Access The XAI Platform as SaaS

Create, and run self-developed, bespoke AI models with explainability

features on the Temenos XAI Platform

Add and develop models on-demand for new and evolving use cases
Temenos AI Embedded Across the Board

Risk & Next Best SME Smart Retail Scoring Urgent Relief
Compliance Product Decisioning Loan

Peer Group Cash Flow Smart Wealth

SME Scoring Personalization
Identifier for Prediction Advice
(FCM)

Transaction Transaction Customer Customer

Classification Prediction Lifetime Value Attrition

Analytics and Data Lake

10
Platform
Quantum – MXDP (multi experience development platform)

Generates native apps to give best

Omni-channel and multi-experience possible mobile user experience

Low-code / no-code development

environment enabling fast deployment Supports wearables and augmented reality
of change

Visual Designer to visualise journeys Automated testing for faster, higher quality
enabling fast, agile change deployment

12
Quantum: High-Level Architecture

Phone Tablet Desktop Kiosk Wearable Chat-bot

Quantum Platform

Marketplace
Nitro: Patented Omni-Channel Widget Library & API

Visualizer: Unified Visual Design & Fabric: Secure Application Backend

Development Environment Services & Integration Adapters

DevOps & Automated Testing

Cloud Hosting

ERP Cloud APIs CRM Web Services Legacy Databases IoT

Infinity: Agility & Fast Time to Market

Quick Delivery
Market-leading features out of the box plus
pre-built integrations and reusable fintech
components.

Easy Enhancements
Rapidly add, adapt, and enhance apps
and integrate the latest features to meet
Customer needs.

Implementation Quality
Dedicated Services team, flexible
deployment, and incredible
support.

14
Providing customers unique digital experiences

iPhone 6
375 x 667px

15
Quantum: High-Level Architecture

Phone Tablet Desktop Kiosk Wearable Chat-bot

Quantum Platform

Marketplace
Nitro: Patented Omni-Channel Widget Library & API

Visualizer: Unified Visual Design & Fabric: Secure Application Backend

Development Environment Services & Integration Adapters

DevOps & Automated Testing

Cloud Hosting

ERP Cloud APIs CRM Web Services Legacy Databases IoT

 Quantum Fabric TM

Client SDKs Integration Services

(Development Libraries)
Object Services (Connectors & Adapters)

iOS Windows

Backend
Android Visualizer Services
OAUTH LDAP SAML

JavaScript Cordova API Management REST SOAP

Analytics

DevOps
Security
On-Premises / Private Cloud / Public Cloud
 Infinity Distribution Microservices Architecture
External Consumers
Temenos
AISP PISP
Temenos Infinity User Agents
Marketplace 3rd Party
Internet Mobile Call Centre Branch Agent RM Chat-bot

Identity Provider API Gateway

Serving both User Agents & External Consumers

Risk & Fabric Analytics &

Compliance Data Hub
API Framework (synchronous/asynchronous, REST and Event)

Open

…
Corporate Due Service
Spotlight Retail Business Rules Party Holdings Campaign Consent Document Reciepts Custom MS
LOS Diligence Request
Engine

Alerts Channel
Workflow
Identity Container Container Container Container Container Container Container Container Container Container
Engine Access
Mgmt
Control
Infinity Banking Services & common components

DB DB DB DB DB DB DB DB DB DB
DB
Fabric Middle Tier Service Mesh

Integration FIS IBS & Jack Henry

Any Core Fiserve DNA Ellie Mae Salesforce IDology iPay Visa Payveris
Layer Systematics Symitar

B2B Gateway

Consume Integrate 18
Architecture
 Infinity Layers

Online Banking Mobile Banking Origination Custom UX App Experience APIs

Synchronous -
Request/Response
• Consistency
• Governance
• Flexibility
Experience APIs • Convergence
• Distribute
Online/Mobile Banking Origination Custom App Capability!

Enterprise APIs
Synchronous -
Request/Response
Enterprise APIs • Domain specific
• Single Function
Temenos
Marketing Origination Custom
Holdings Arrangements Payments
Catalog Data Service Temenos or Bank Services
(PO)
Independently Scalable
Upgradeable

Asynchronous –Event Based

Event Event Streams/Queues • Enterprise Level
Store
Standardisation
• Scale
• Loose coupling

Other Payments or Core System(s)

20
(Connectors are illustrative only and do not pertain to actual use
case)
 Infinity: Decoupled for Speed and Re-use
Modular Client Virtual App Data Infinity Persistent Store Back-Office/
Components Model Model1 & Data Model2 Core

Client App Fabric Microservices Framework

1 2
New User Transforms (Fabric) Transforms
Onboarding
SSN Entry
Retail Account Customer
Banking User Change

Mapped in Fabric against Swagger definitions

Onboarding
data

Experience APIs
App Controller Party
Transactions Account

core. Core events injested by Microservices

Microservice

Payments & Originated Holdings posted to

Gender

REST calls on associated Microservice

Selection

Registration
Activity Contact
Controller
Login Gemalto Arrangements
Facial
Biometrics Microservice
Recognition Profile

Enterprise APIs
Login
Controller
Holdings
Username &
Password Entry
Microservice

Payments
Payments Applicant
Controller

Experience APIs
Card Origination
Management
Apple Pay Card Status Daya
Microservice Transactions

Card Controller Apple Pay

Lending Payment Order Payments
Native TI Container
App Carousel
Google Pay
….. Orders

2
(Connectors are illustrative only and do not pertain to actual use 1
Infinity Deployment
 Infinity: Cloud Agnostic Application n-tier
Monitorin
Info Operations Info Monitoring
g
Management Plane
Decide

Trace
Trace

Metric
Metric

Log
Log
API Internet Fabric
DNS

External Users Gateway

Onboarding Workflow/Rules

Balancer
Load
Origination Temenos
Payments
Experience API Private Cluster
Internet
Internal Users (Back end services)
Gateway Public Cluster SQL
(User Agents and API’s)
VPN

Message Broker

NoSQL
Fulfilment & Data

Pub/Sub
B2B Collection Services
B2B Users
Gateway (Adapter Infrastructure &
Framework) Distribution Services

Databases
Perimeter
Services Application Services 23
23
 Infinity: AWS Cloud Native Application n-tier
Monitorin
Info Operations Info Monitoring
g
Management Plane
Decide

Trace
Trace

Metric
Metric

Log
Log
API Internet Fabric
DNS

External Users Gateway

Onboarding Workflow/Rules

Balancer
Load
Origination Temenos
Payments
Experience API Private Cluster
Internet
Internal Users (Back end services)
Gateway Public Cluster EKS
SQL
(User Agents and API’s)
EKS
VPN

Message Broker

NoSQL
Fulfilment & Data

Pub/Sub
B2B Collection Services
B2B Users
Gateway (Adapter Infrastructure &
Framework) Distribution Services

AWS Lambda AWS Lambda

Databases
Perimeter
Services Application Services 24
24
 Infinity: Azure Cloud Native Application n-tier
Monitorin
Info Operations Info Monitoring
g
Management Plane
Decide

Trace
Trace

Metric
Metric

Log
Log
API Internet Fabric
DNS

External Users Gateway

Onboarding Workflow/Rules

Balancer
Load
Origination Temenos
Payments
Experience API Private Cluster
Internet
Internal Users (Back end services)
Gateway Public Cluster SQL
(User Agents and API’s)
VPN

Message Broker

NoSQL
Fulfilment & Data

Pub/Sub
B2B Collection Services
B2B Users
Gateway (Adapter Infrastructure &
Framework) Distribution Services

Databases
Perimeter
Services Application Services 25
25
Available on choice of the platform… Cloud native –
Cloud Agnostic

SaaS On-Prem Containers

26
Infinity Security
 Security
EFFORTLESS SECURITY & PROTECTION
A single click enables multi-layered security for both the client application and back-end services.
Quantum security defends against compromise, detects and reacts to attacks, and provides data
and identity protection with enterprise grade security certifications.

Other Features:
o Single Sign-On (SSO) o Code Obfuscation
o Multi-Factor Authentication (MFA) o Code Injection prevention
o Data Encryption o Hook prevention
o SSL Pinning o Debugger prevention
o Anti-Tamper Protection o Root and Jail break Detection.
o XSS filters o Address OWASP top 10 mobile vulnerabilities

28
Source Code Protection - White-box Cryptography
• A sophisticated implementation of white-box
cryptography (WBC)
‒ WBC uses highly complex mathematical algorithms for
cryptographic operations
‒ Combined with data and code obfuscation to transform the key
and related operations, along with encryption techniques
• WBC protects:
‒ Static Keys Mobile Application
‒ Dynamic Keys WBC Encrypted Domain
‒ Sensitive user data
• Supports all major algorithms: •
•
Cryptographic Routine
Static and Dynamic
‒ AES_ECB, AES_CBC, AES_GCM, Keys
‒ AES_CTR, ECC, RSA, DES/3DES, ECDH, etc. • Secret Data

RESULT: Keys cannot be discovered at any time and are

never present in static form or in runtime memory
Control Flow Obfuscation / Anti-Debug
Before: After:
Unprotected Protected
Checksum – Detects Tampering

Checksum of Protected Range of

binary created and hidden into Checksum
the protected binary. At runtime Guard
a Checksum of the Protected
Range is created and compared Triggered
against master Checksum.
Protection triggers if no match.
Tampered
Protected
Master: 0x7f3400EA
Range
Tampered:0x1E2F34BD
End-to-end Encryption

HTTPS/SSL Enterprise /
1 Fabric 3 Core Banking
SSL Cert Pinning VPN
2 Integration 4
Signed JWT Token Middleware Two-Way SSL Certs
HTTP Integrity Check Payload Lines of
5 Business

Firewall Firewall

32
Infinity CI/CD – DevOps - AppFactory
Quantum: High-Level Architecture

Phone Tablet Desktop Kiosk Wearable Chat-bot

Quantum Platform

Marketplace
Nitro: Patented Omni-Channel Widget Library & API

Visualizer: Unified Visual Design & Fabric: Secure Application Backend

Development Environment Services & Integration Adapters

DevOps & Automated Testing

Cloud Hosting

ERP Cloud APIs CRM Web Services Legacy Databases IoT

 Automated Testing

▪ Visual Test Recorder built-in

to Visualizer for Web and Native

▪ Test cases are a seamless

part of the developer experience

▪ Edit & validate test cases locally.

Then check with project

▪ Test cases run as part of continuous

build DevOps processes
▪ Support Jasmine / TestNG

36
 What is Dev Ops?
Every build process can be automated to increase productivity

Developer
Developer Build manager pulls Build manager must Build manager places
expects code to
checks code code and builds manage any issues binaries and logs in Testing…
be built and
into SCM. artifacts. found. artefact repo.
tested.

• I need a build of X, whenever you can. • What type of • Where do I put these • Who should test
• And I I need a build of Y. problem occurred binaries? this?
• And I need a build of Z. and who needs to • How do I date/tag them? • Do we have a
• And I need a build of…. know? • How do I link the code tester?
Hurdles and • Which repo and branch/tag/commit did • What evidence version and build logs? • What devices do we
obstacles you need? should I send • Who do I send this to? test on?
• Sorry, I’m busy building the stuff from along? • Do you know how
yesterday. to script a test?
 Why do we need DevOps?
Build and test frequency

Waterfall

Agile

DevOps

Benefits of build and test automation

• Shorter build cycles and build time
• Find bugs faster
• Faster and more thorough testing
“Continuous Integration doesn’t get rid of bugs, but it does
• Fewer bugs released.
make them dramatically easier to find and remove.” 
• Provide feedback sooner
• Easily roll back changes.
• Fewer regressions.
• Happier users and higher app store ratings.

39
Why Dev Ops
 Temenos Solution - AppFactory*
• Test 24/7 – Test any time and all the time.
• Test across scores of devices in parallel, with very few resources.
• Eliminate human error, ensure consistency and never miss a test.
• Run regression testing way faster than a human ever could.
• Testing automation ensures a baseline quality.

*AppFactory is only available with Temenos SaaS 41

 App Factory Vs Jenkins
Actually, Jenkins is awesome! We love it!
• So much so that App Factory includes Jenkins.

• And a ton of other useful things…

• But you don’t have to worry

about any of that, because we’ve
pre-built, packaged and deployed
all of it for you.
 What is App Factory?
Source Control AWS Device Farm
Build Automation
Email User Email User
Testing

Continuous Build Build

Integration Android iOS
Scheduler
Auto builds App Store
Executed Deployment
Build Build
Automated
Responsive Progressive
Device Testing Web App
User Checks Web Web Apps Build Deploy Back- (Device Farm) Test Deployment
in Project User logs into Complete end Service Complete
Build Console to Runtime
and executes a
manual build Build wearable apps

PARALLEL PROCESS

Store Results Store Results

© Copyright 2017 Kony, Inc. All rights reserved. The information contained herein is subject to change without notice.
Implementation
Temenos Implementations - Delivery approach that
reduce TCO: Ingredients for Success

Temenos Implementation
Methodology Robust delivery Executive Sponsorship
approach

Strong project
User Story Led Approach governance Knowledge Management

Defined and
managed scope
Model Bank Partner Eco System

Well-defined delivery, project approach and scope

Well-defined delivery, project approach and scope
51
Critical Success Factors which impact ROI and TCO

▪ Quickly agree commercials Inc. product licence, volumes, services value.

Environments ▪ Define and quickly provision environments for development, testing, staging and production.
▪ Provide the ability to work effectively from sprint 1 day 1

▪ Executive level stakeholder commitment to providing the required dedicated key roles for joint delivery team
People as outlined by Temenos. For example identify the specific project team roles as well as the various reviewers
and approvers needed, including Marketing, Legal/Compliance, IT, etc.

▪ Temenos and Client commit to making various SMEs available to support the project when needed.
Expertise ▪ Client technical leaders commit to gaining a clear understanding of the Infinity technologies.
▪ Planned client enablement for product adopted and use including training and mentoring program.

▪ Short and regular joint delivery team progress meetings to provide update on project deliverables.
Communication ▪ Appropriate level of steering related meetings and regular reporting throughout the project.
▪ Open and honest approach to working within a joint delivery team for the benefit of the project.

▪ Define clear business goals and define key performance indicator(s) for each business goal.
▪ Clearly defined and executable testing plan to the client’s Transition to Live.
Governance ▪ Following the established Temenos project governance model including steering ceremonies and artefacts,
weekly status and burn reporting, change management process, joint sprint and phase retrospectives,
architecture and design reviews boards, commercial status reporting etc
Agile Project Execution Delivery approach that
reduce TCO

THE LONGER IT
TAKES TO
DEVELOP, THE
LESS LIKELY IT
IS TO LAUNCH
Custom Solutions from Composable Microapps

DISCOVER DESIGN DELIVER DEPLOY

Brand
Configure
Customize
Deploy

Infinity Components Product Backlog

2 Weeks Sprints
Client Resources Explained: Recommendation on Client side project
organization and skill required

Product Owner
Key business/ product owner who is the ‘source of truth’ in QA Lead
terms of the requirements and general prioritisation. A key role to manage, organize and own all internal client
Responsible for approval around moving through each stage testing activities as part of the Deploy/ Transition to Live phase.
of the delivery and the final deployment to production. To work closely with the Temenos QA Lead.

Project Manager SIT Testers (QA Team)

Key delivery lead and primary day to day contact for Members of the client testing/ QA team to undertake specific
Temenos Infinity delivery team. user story quality assurance testing, providing feedback and
retesting as needed.

Technical Lead UAT Testers (Business)

Key technical leader to advise and guide on the desired
solution and technical implementation. SME of client Business stakeholders assigned and prepped to undertake
current digital and technical ecosystem. testing, provide feedback and retest as needed.

Business Analyst UX Experts/Designers

Internal or Agency. Provide designs for all custom extensions and
Responsible for gathering, checking and managing all
custom development for review with Temenos Infinity UX/UI
client requirements, working closely with the Temenos BA.
Designer

55
Enablement
 Enablement: Temenos Learning Community

Bank-specific, digital
Virtual or instructor-led classroom Cloud-based, community learning
transformation platform that
training provided by highly platform for unlimited, 24x7 access
shapes & documents a bank’s
experienced, certified trainers with to official Temenos training and
unique SOP*, as well as to train and
standard or bespoke delivery certification programs
certify staff

The answer to accessible, blended Temenos training and the growing, global demand for
Temenos experts
*Standard Operating Procedure
57
Enablement: Temenos Infinity Basecamp

https://basecamp.temenos.com
59
Support
61
Try It!
 Demo Centre
• Create A Demo User – Please leave the country as United States
• Download Mobile App – iOS or Android or Online Banking

63
 Quantum: Low-Code Development Platform – Try It
Step 1 - Click on - https://www.kony.com/products/visualizer/ to download the Visualizer IDE for UI/UX
development. See Visualizer API Doc for available API’s.
Step 2 – Click on to access https://manage.kony.com and Click Register to create an account and Sign-in
Step 3 – Click on https://basecamp.temenos.com/s/getting-started and choose the Install Kony
Visualizer for the relevant OS
That’s it….Try the Hikes (Tutorials) on Visualizer to learn the Tool.
Step 4(Optional) – Incase if you need Fabric onpremise version, download the same from -
https://community.kony.com/downloads
For further questions, documentation, FAQs access the Basecamp community -
https://basecamp.temenos.com/s/ with the same credentials that were setup for Fabric.

64
Thank you