Release Highlights

R23 AMR

Information in this document is subject to change

without notice.

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transmitted in any form or by any means, for any
purpose, without the express written permission
of TEMENOS HEADQUARTERS SA.

© 2023 Temenos Headquarters SA - all rights

reserved.
CONTENTS Analytics 4
Installation and Configuration Notes 22
Financial Crime Mitigation 26
Installation and Configuration Notes 35
Payments 37
Installation and Configuration Notes 90
Technical Notes 92
Regulatory Compliance 96
Financial Risk Management 106
Installation and Configuration Notes 108
Technical Notes 111
Temenos Infinity 115
Digital Banking 116
Wealth 129
Bulk Payments 129
Trade Finance Micro App 129
Microservices 142
Temenos Transact 169
Application Framework 170
Banking Framework 174
Business Banking 188
Corporate 189
Islamic Banking 202
Private Wealth 209
Regional Banking Solutions 214
Retail 291
 Temenos Transact

Technology 319
Trade Finance 334
Treasury 337
Installation and Configuration Notes 342
Technical Notes 354
Extensibility APIs 368
Wealth Suite 373
Temenos Banking Capabilities 385
Temenos Banking Capabilities 386

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Analytics
 Analytics

Analytics
Semantic Query Layer » Enabling SQL
Compatibility with Extensibility Framework
Available from: 202206
SQL framework is now enhanced to save flat files (functional property files, ODS
and ADS inventory files, and XACML policy files) as configurations in the
configuration store and can retrieve them during runtime using the Generic
Configuration microservice APIs. This feature eliminates manual update of SQL
properties file and PAPUI files, which are now automatically updated using the
business APIs during API creation or update.

The topic related to this feature is given below:

Extensibility Framework

AWS Support for TDH » Enabling Multi-Transact

Application
Available from: 202207
Temenos Data Engineering (TDE) now supports Multi-Transact applications
allowing events from two Transacts to be imported into all the layers. The two
Transact instances are integrated with separate DES instances, which connect
with a single Schema Registry by configuring the same streaming source (AEH)
where both the Transacts publish the events into the same topic or stream.

The topic related to this feature is given below:

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Analytics

Multi-Transact Applications

Transact Data Hub » Replacing Livy with Direct

K8s
Available from: 202207
Livy and Livy-spark images are now replaced by direct k8s APIs. Jobs are
triggered through k8’s spark image and the Kubernetes pods are monitored to
check if they are active. If a pod fails, the retry mechanism automatically restarts
the jobs.

The topic related to this feature is given below:

Direct K8s Integration

Operational Data Store and Snapshot Data

Store » Multipart Event Support
Available from: 202208
ODS and SDS landing processes are enhanced to use a single pod to read and
process both, multipart and single event messages. All the event messages are
collected and stored in Ignite cache to be assembled. Once assembled, they are
cleared from the cache based on the event ID. This avoids additional processes
for multipart and supports large number of multipart messages without timeout or
data inconsistency.

The topics related to this feature are given below:

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 Analytics

Multipart Event Support (ODS)

Multipart Event Support (SDS)

Analytics Web Runtime User Guide » Quick

Report Caching and Server-side Pagination
Available from: 202208
The enhancement is part of the existing Quick Report feature. The new option
Cache Report Data is added to the Quick Report designer screen.
l When Cache Report Data is enabled, the Quick Report caches its query
result during its first execution. The subsequent requests to the same Quick
Report will retrieve data from cache if it still available, which speeds up the
response to the client.
l When Cache Report Data is enabled, Analytics web Quick Report
automatically changes to server-side pagination, the response payload
includes just enough content to fill up current client browser’s window and
reduces response payload size.
l Cacheable Quick Report provides capability to support reports with large
volumes of data (~10 million rows of record).
l Cacheable Quick Report reduces the memory demand on database server
where the Quick Report’s query is executed.

The topics related to this feature are given below:

Quick Reports Design
Quick Reports Navigation

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Analytics

Analytics Web Runtime User Guide »

Information Tiles Embeddable into Spotlight
Available from: 202208
The enhancement is part of the existing Information tiles feature of the Analytics
web front end. It is now possible to embed Temenos Analytics Information Tiles
to Spotlight or any other applications created with Temenos Visualizer.

The topic related to this feature is given below:

Information Tiles Design

Analytics Web Runtime User Guide » Refresh

Quick Reports
Available from: 202209
The enhancement is part of the existing Quick Report feature. The new option
Refresh Report is added to the Quick Report designer screen to complement the
Cache Report Data functionality introduced in 202208.
l When Cache Report Data is enabled, the Quick Report caches its query
result during its first execution. The subsequent requests to the same Quick
Report will retrieve data from cache if it still available, which speeds up the
response to the client.
l However, if a user wishes to view the latest database updates reflected in a
report where caching is enabled, they have the option to refresh the Quick
report’s output through the Refresh Report button
l When the Refresh Report button is clicked, the Quick Report selects
records directly from the database

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 Analytics

The topic related to this feature is given below:

Quick Reports Navigation

Analytics Web Runtime User Guide » Quick

Report Data Feed
Available from: 202209
The enhancement is part of the existing Quick Report feature of the Analytics
web front end. Quick Reports can be configured to display an Analytics Data
Service API endpoint that can be used to retrieve Quick Report data and
consume it through other tools or applications for further data exploring and
analysis. Particularly in a cloud hosting environment, where the Analytics Data
Store may not be available for direct access, Quick Reports' data APIs and
RESTful web APIs can be consumed as a data source, e.g. through Microsoft
Power BI, or Quick Reports' data can be downloaded as json file through APIs.
This functionality can be enabled or disabled on individual reports through the
API Feed Uri check button on the Quick Report designer screen.

The topics related to this feature are given below:

Quick Reports Design
Quick Reports Navigation

Analytics Web Runtime User Guide » Export

Quick Report’s output to PDF
Available from: 202209
The enhancement is part of the existing Quick Report feature of the Analytics
web front end and replaces the previously available Print functionality, which has

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Analytics

now been retired. It allows users to export the output of a Quick Report as a PDF
file and select the orientation and format of their document. This functionality is
available on all Quick Reports but is subject to a size limit of 300,000 rows.

The topics related to this feature are given below:

Quick Reports Design
Quick Reports Navigation

AWS Support for TDH » Aurora PostgreSQL

Support for TDH
Available from: 202209
Transact Data Hub (TDH) is now enhanced with a generic scalable solution that
helps TDH application to support Amazon Aurora PostgreSQL DB for
Operational Data Store (ODS) and Snapshot Data Store (SDS) layers. AWS
Aurora PostgresSQL is implemented as TDH MetaStore DB and Target DB for
ODS, SDS, and Analytics Data Store (ADS).

Click here to understand the installation and configuration updates for this
enhancement.

The topic related to this feature is given below:

Aurora PostgreSQL Support for TDH

DW Export » Stream Custom Columns for

Analytics Reporting
Available from: 202209

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 Analytics

DW is enhanced to stream custom columns for Analytics reporting. These

dynamic columns, created by DW APIs, as an extended table for the core
application, are now streamed to kafka topics and are available for TDH to
consume for reporting purposes.

Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

Store Data in Transact Tables for DW Offline and Realtime
Product Group Setup
DW.EXPORT

Batch Extraction Types

Realtime Extraction Types

Transact Data Hub » Temenos Monitoring

Available from: 202211
Temenos Monitoring framework is introduced in Transact Data Hub for producing
Diagnostic, Event, and Alert logs from TDE applications. Also, it produces the
tracer capability for a set of components involved in TDE applications. Temenos
Monitoring uses the TDH for the following:
l TDH components use a central tracer library to initialize the tracer for TDE
application and corresponding modules. Adding a start and stop tracer log
to capture the flow of all the endpoints.
l TDH captures all the application failures into exception tables for
Operational data store and Snapshot data store.

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The topic related to this feature is given below:

Logger
Tracer

Transact Data Hub » Security Integration

Available from: 202212
Kafka is now enhanced to Centralised Secure Kafka, which is used in Transact
Data Hub (TDH), Metadata Management service, and other bank products. To
support Secure Kafka for sharing metadata between Temenos Meta Services
(TMS) and Apache Atlas, the user should,
l Provide a user interface to update the secured Kafka credentials
l Update the Kafka credentials in the atlas properties file in the atlas pod
from UI
l Ensure the atlas properties are persisted
l Enhance the Temenos metaservice module to use the saved credentials to
connect to secured Kafka.

NOTE:
The enhancement between Atlas and TMS does not support Kinesis or Azure
Event Hubs (AEH). The system needs a Kafka cluster to support metadata
service if TMS, Atlas, or metadata services are deployed on Azure or Amazon
Web Services (AWS) .

Click here to understand the installation and configuration updates for this
enhancement.

The topic related to this feature is given below:

Centralized Kafka with Secure TMS

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Install Guides » Semantic Query Layer »

Logger, Tracer and Metrics in SQL
Available from: 202212
Temenos Monitoring Framework is introduced in Semantic Query Layer for
implementing the Logger, Tracer and Metrics functionality.

The topic related to this feature is given below:

SQL Monitoring

Secure Connection » Secured IRIS

Available from: 202212
Temenos Data Hub (TDH) is enhanced to establish a secured IRIS connection to
fetch application details. This enhancement includes the following functionalities:
l A user interface to update the secured IRIS connection.
l Configuration of the DES server with secured IRIS connection credentials.
l Enhancement of authorization such that credentials are saved in the
database.
l Encryption of secured IRIS password before saving and decryption while
retrieving.
l Configuration to enable and disable secure IRIS based on user needs. The
default value is No.
l Authentication of secured IRIS connection when used in adding
applications in DES, config data store, and language preference in ADS.
l Creation of Endpoints:

/reference/companies

/system/settings/{0}dataEventStreams

/system/tableNames

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Analytics

/reference/languages

/reference/master/company

Click here to understand the installation and configuration updates for this
enhancement.

The topic related to this feature is given below:

Secure Connection

Secure Connection » Secure Schema Registry

Available from: 202301
Currently, TDH uses an unsecured connection to interact with the Schema
Registry to fetch the schema details. This enhancement allows a user to
establish a Secure Schema Registry connection.
If the user configures an HTTPS listener, the system requires several additional
configurations for Schema Registry. This includes configuring the appropriate
SSL configurations for the Keystore and Truststore (optional) for the Schema
Registry cluster.
To support a Secured Schema Registry,
l Provide the user interface to update the Secured Schema Registry
credentials (SSL/TLS).
l Configure the DES server with the Secured Schema Registry connection
credentials.
l By default, the Secure Schema Registry is set as None. Based on the
requirement, the user can set the Secure Schema Registry as SSL/TLS.
l Enhance the authorization to save the credentials in the database.
l Secured Schema Registry Truststore and Keystore password should be:
l Encrypted before saving
l Decrypted while retrieving.

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 Analytics

Click here to understand the installation and configuration updates for this
enhancement.

The topic related to this feature is given below:

Secure Schema Registry

Transact Data Hub » Establishing IRIS SSL

Connection
Available from: 202301
Temenos Data Hub is now enhanced to establish an SSL connection with IRIS to
perform all functionalities. The following feature modifications are a part of the
enhancement:
l The user interface is updated with the SSL IRIS connection
l Supports the ability to configure any DES server through SSL-enabled IRIS
connection with SSL certificate details
l The authorization is enhanced to enable the saving of SSL certificates,
names, and passwords in the database
l Supports the encryption of SSL IRIS passwords before saving, and the
decryption of the same while retrieving
l SSL certificates are saved in the uploads folder in TDH
l The user interface is configured to display a warning message if incorrect
credentials or password is provided while connecting to the SSL IRIS
l The user interface is configured to display a warning message if there is a
mismatch between the certificate name input and the certificate uploaded
under the security properties

The topic related to this feature is given below:

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Analytics

Secured IRIS

Transact Data Hub » Curated Data Events in

ODS
Available from: 202301
Temenos Data Hub (TDH) provides a stream of well-modelled Curated Data
Events that are independent of the Transact data model and underwent all the
necessary analysis and quality checks before publishing. This helps the user to
avoid using relational databases as the source of change detection which
reduces the infrastructure footprint and the operational costs.

The topic related to this feature is given below:

Curated Data Events in ODS

AWS Installation » Implementing KCL Library in

Temenos Data Hub
Available from: 202301
Temenos Data Hub uses KCL library to read records from Amazon Kinesis. The
Kinesis and S3 can be configured with or without credentials. If configured with
credential, then kinesis and s3 read and write process uses the provided
credentials. If configured without credential, TDE checks for InstanceProfile from
the system and retrieves the required credentials from an instance.

The topic related to this feature is given below:

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Implementing KCL Library in Temenos Data Hub

TDH Services » Componentization of Services

Available from: 202302
The existing Temenos Data Engineering (TDE) application supports EDS, ODS,
SDS, and ADS products. All the services are packaged as a Temenos Data
Engineering distribution pack. As part of the componentization of services, the
existing TDE distribution pack is segregated into three different packs.
l Temenos Data Engineering EDS distribution pack (EDS pack)
l Temenos Data Engineering TDH distribution pack (TDH pack)
l Temenos Data Engineering distribution pack (existing TDL pack, as Full
pack)

The topic related to this feature is given below:

TDH Services

General Data Protection Regulation »

Implementation of GDPR for EDS Persistent
Layer
Available from: 202302
Customer data protection provides tools and functionalities to help certain data
protection related to processing and is now applied to all TDE products in
Extraction Data Store and the data is updated as NULL irrespective of Erasure.
Extract Data Store in TDE is GDPR complaint and the data is updated as NULL
for the entire record.

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Analytics

Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

General Data Protection Regulation
Implementing GDPR for EDS Persistent Layer

Operational Data Store » List Aggregate

Available from: 202302
List Aggregate is a feature introduced in ODS where the parent table in the target
database has all child table columns as a BLOB data type. The values of each
column in the child table are separated with a value marker and sub-value
marker and stored in the respective ListAgg column in the parent table.
In ODS WorkBench, the required columns can be added directly from the parent
table itself and no child tables are required. This makes table-to-column mapping
easier and reduces the joins between parent tables and child tables. Also, the
custom views can be defined on parent tables easily.

The topic related to this feature is given below:

List Aggregate

Temenos Monitoring » Standardization of Error

Codes for TDH
Available from: 202302
Additional error codes are introduced that are likely to be raised during Schema

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processing and Data processing. Hence, DML_ERROR_MAPPING_DETAILS table

is extended to have additional error codes. All the errors that are captured in the
system are reported ‘only’ to ODS_EXCEPTION and SDS_EXCEPTION tables. All
errors that are reported to ODS_INVALID_ERROR_RECORD and SDS_INVALID_
ERROR_RECORD is now routed to ODS_EXCEPTION and SDS_EXCEPTION tables
respectively.
Temenos Monitoring now allows the user to check the errors that are captured by
the system in the Admin/Exception tab in UI. This helps the user to identify the
issue and reprocess the record after performing the recommended corrective
action.

The topic related to this feature is given below:

Standardization of Error Codes for TDH

General Data Protection Regulation »

Implementing GDPR for Landing Persistent
Layer
Available from: 202303
Temenos Data Engineering (TDE) is now enhanced to include the
implementation of GDPR for Landing records that ensures customer data
protection. When the CZ.CDP.DATA.ERASED.TODAY application receives a
transaction from DES, the streaming process identifies and parses the
information to understand the record ID (recid), application, and file type to
update its payload with null in the delta lake landing path.

Click here to understand the installation and configuration updates for this
enhancement.

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Analytics

The topic related to this feature is given below:

Implementing GDPR for Persistent Layer

Analytics Web Runtime Tracing And Logging »

Analytics Web Application and API Services
Tracing and Logging
Available from: 202303
The Analytics Web Front Ent Application and API Services now support the
OpenTelemetry Protocol (OTLP), through which instrumented data in the
Analytics Web Front End Application is traced and sent to the backend
monitoring systems, such as Jaeger, Prometheus, ElasticSearch, Zipkin and
others. The Analytics Application can also record application and system logs
through OpenTelemetry or other dedicated log management solutions such as
Grafana Loki and ElasticSearch.

The topic related to this feature is given below:

Analytics Web Runtime Tracing And Logging

Analytics Web Front End Application – Azure

Monitor Application Insights » Analytics Web
Application and API Services Azure Monitoring
Available from: 202303
Analytics Application and API Services can be overseen by the Microsoft Azure
Monitor through its Application Insights extension. This tool can be used in any
kind of installation, regardless of whether the Analytics Application is deployed in

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MS Azure cloud, in other cloud environments, or on-premises.

The topic related to this feature is given below:

Analytics Web Front End Application – Azure Monitor
Application Insights

Analytics Web Runtime Temenos Analytics

Monitoring Dashboard » Analytics Web
Application and API Services Grafana
Monitoring Dashboard
Available from: 202303
The Analytics Front End Application and Analytics APIs can be overseen by the
Temenos Analytics monitoring dashboard. This dashboard, hosted in the
Grafana stack, is designed to provide observability of an Temenos Analytics
operation stack. It enables organizations to monitor the health, performance, and
application errors of the Temenos Analytics reporting systems.

The topic related to this feature is given below:

Analytics Web Runtime Temenos Analytics Monitoring
Dashboard

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Installation and
Configuration
Notes
 Analytics

Analytics

AWS Support for TDH » Aurora PostgreSQL

Support for TDH
Available from: 202209
The following configuration is required to support Amazon Aurora Postgre as
target database for ODS, SDS, and ADS and the Metastore database.
l TDH to be deployed in Amazon Kubernetes Service.
l ODS, SDS, and ADS target databases and TDH Metastore must be
configured with AWS Aurora PostgreSQL DB.

DW Export » Stream Custom Columns for

Analytics Reporting
Available from: 202209
To enable storing of extended data in DW Transact tables,
l The Enable field in the DW.ADVANCED.SETTINGS application should be
set to 'YES' for the advanced setting ID
EXTRACT.CUSTOMIZED.DATA.ALONE.
l The Type of Extract/Ol Data Pipeline Modefields should be set to 'Store In
Local Table' in the DW.EXPORT.PARAM application for offline and real time
updates, respectively.
l To enable the association codes of the process APIs in offline extraction,
the Enable field in the DW.ADVANCED.SETTINGS application should be set
to 'YES' for the advanced setting ID
ENFORCE.POSSIBLE.SINGLE.VALUE.CUSTOM.FIELD.

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Analytics

Transact Data Hub » Security Integration

Available from: 202212
Ensure the following:
l TDH must be up and running
l Centralized Secure Kafka Environment must be provisioned.

Secure Connection » Secured IRIS

Available from: 202212
TDE must be up and running.

Secure Connection » Secure Schema Registry

Available from: 202301
Ensure the following:
l Schema Registry with a secured environment must be set up.
l TDE must be up and running.

General Data Protection Regulation »

Implementation of GDPR for EDS Persistent
Layer
Available from: 202302
Ensure the following:
l TDE must be up and running.
l Landing and EDS System configurations must be set.

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 Analytics

General Data Protection Regulation »

Implementing GDPR for Landing Persistent
Layer
Available from: 202303
The following configuration is required to support the implementation of GDPR
for Landing records.
l TDE must be up and running
l Landing System configuration must be saved

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Financial Crime
Mitigation
 Financial Crime Mitigation

Financial Crime Mitigation

Basics » Configuring Reason Codes for Alert
Managers
Available from: 202206
Banks can now configure reason codes to evaluate alerts and messages as true
or false with appropriate justification. FCM system can group and display the
alert and message evaluation reason codes based on payment message types
and offers filtering options to the bank user.
During evaluation, the alerts are put on hold for which banks can enter valid
reason codes and comments.

The topic related to this feature is given below:

Reason Code

Screen » Configuring Transaction Detection

Rules
Available from: 202207
Banks can now configure scan engine related values (conditions, fields, scan
methods, and watch lists) dynamically in the FCM GUI, using the Transaction
Detection Rule feature. It allows banks to create a scanning configuration of the
above values in the form of a rule pack called ScanRuleSet. The scan engine
takes both the static file and activated transaction ScanRuleSet configuration into
account.

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Financial Crime Mitigation

The topic related to this feature is given below:

Transaction Detection Rules

Knowledge Manager » Configuring Contributed

Transactions Report
Available from: 202209
Banks can now generate a report with all the transactions that satisfy the rule
conditions set up in Profile or SAP rules (contributed transactions), for closed
alerts, in a single CSV file. The report is generated through a single batch job
option and the bank can retrieve the output through the knowledge manager.

The topic related to this feature is given below:

Introduction to Closed Alerts – Contributed Transactions Report

Screen » CIF Alert Management » CIF Smart

Screening
Available from: 202210
The CIF Smart Screening feature can help:
l Screen entire customer information against new or modified entries in the
watch list (Delta File).
l Screen only a new or modified CIF record against the entire watch list data.
l Increase the performance of the scan engine.

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 Financial Crime Mitigation

The topics related to this feature are given below:

Introduction to CIF Smart Screening
Working With CIF Smart Screening

Common Features » Assigning Alerts

Available from: 202210
The supervisor/admin user can assign, un-assign and re-assign individual alerts
from the Alert Evaluation page.

The topics related to this feature are given below:

Configuring Assign Function for Individual Alerts
Working with Assign Function for Individual alerts

Screen, Profile, and SAP » Customising

Message Header Panel
Available from: 202210
The Message Header panel in Alert Manager can be customised to display only
the desired fields by adding a user preference. This feature is available in:
l Screen > Transaction Alert Management
l Screen > Customer (CIF) Alert Management
l Profile > Batch Alert Manager / Real-time Alert Manager
l SAP > Batch Alert Manager / Real-time Alert Manager

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Financial Crime Mitigation

The topics related to this feature are given below:

Evaluating Alerts - SAP Batch Message Header Panel
Evaluating Alerts - SAP Real –Time Message Header Panel
Customising Message Header Panel

Screen » Customising Payload Panel

Available from: 202210
The payload content that displays on the Transaction Alert Manager Evaluation
page can be customised to display only the desired fields by adding a user
preference.

The topic related to this feature is given below:

Viewing Message – Customising Payload Panel

FCM Integration Guide » Enhanced Chain

Pipeline Configuration
Available from: 202211
The chain pipeline configuration is now enhanced with the handlerOptions
feature that helps to choose the message type to be directed to one or multiple
engines, to all engines or to none of the engines.
Using the Integration Chain Pipeline configuration, you can:
l Configure the message type to be directed to a particular engine for
message processing
l Configure a message type to be processed by multiple engines
l Process a message type in any (or) all four available engines (Customer

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 Financial Crime Mitigation

Screening, Transaction screening, Profile and SAP engines)

l Configure, to not process a message type in any available engine

The topics related to this feature are given below:

Introduction to FCM Interface
Working With FCM Interface

Watch List Manager » Association and List

Group Configuration
Available from: 202211
Watchlist Manager is enhanced with List Group Configuration to organise and
group the watchlists. The watchlist entry Association panel details have been
included with additional data such as Relation, Description, and Status. The
Association entry names are hyperlinked allowing users to click and view the
entry details in a separate tab on the same browser.

The topic related to this feature is given below:

Association and List Group Configuration

Knowledge Manager » Simple and Advance

Filter Enhancement
Available from: 202211
The Simple and Advanced filters in the Knowledge Manager are enhanced with
'Between' operator for the following attributes.

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Financial Crime Mitigation

l Decimal
l Date
l DateTime

The topic related to this feature is given below:

Simple and Advance Filter Enhancement

Common Features » Improving the Case

Investigations User Interface
Available from: 202211
Case Investigations has been enhanced to improve the user interface which
makes the screens and options more user-friendly. The following tabs have been
enhanced as part of this functionality:
l Case Details - Provides a better display view which displays the details
beneficial for business users.
l Linked Elements - Provides a simpler view to the items. The element
added with the item is placed at the top of this tab.
l Documents - Is included with a Preference option that allows users to filter
and customize the Case Investigations page to their needs.

Click here to understand the installation and configuration updates for this
enhancement.

The topic related to this feature is given below:

Case Investigations

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 Financial Crime Mitigation

Watch List Management » Adverse Media using

World Check Refinitiv
Available from: 202301
It is now possible to apply filters to select the watchlist entries associated with
specific SIC keywords. The Special Interest Category field in World-Check file
contains many categories of adverse media which might not be relevant for all
customers. Therefore, the ability to apply the filter to the adverse media record is
mandatory. This filter is not limited to the SIC field. The solution includes all fields
of interest of a World-Check record.

The topics related to this feature are given below:

Adverse Media using World Check Refinitiv
Configuring Adverse Media using World Check Refinitiv
Working with Adverse Media using World Check Refinitiv

Screen » Workflow Steering Rules

Available from: 202303
Transaction Alert Management module is enhanced to allow the bank to create
rules based on message alert attributes, so that multiple teams can access and
evaluate the same transaction simultaneously. Message workflow can also be
configured based on Workflow Steering Rules (two-eye or four-eye workflows)
and assigned to specific teams or users.

The topic related to this feature is given below:

Workflow Steering Rules

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Financial Crime Mitigation

Screen » Import Dow Jones

Available from: 202303
While importing Dow jones watch list data, it is possible to configure the entry
type. For example, if any entry in Dow Jones watch list is not linked to any other
entry type like person, company, vessel, city etc., then the system imports the
data with the entry type configured by the user.

The topic related to this feature is given below:

Import Dow Jones

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Installation and
Configuration
Notes
 Regulatory Compliance

Financial Crime Mitigation

Common Features » Improving the Case

Investigations User Interface
Available from: 202211
This feature is available in the product from FCM 202211 release version.

36
Payments
 Payments

Payments
India » NEFT Clearing
Available from: 202205
This functionality allows banks to process N04 End of Day. TPH will calculate the
sum of total amount and total count in all the payments received in the day. This
sum of total amount and count will be matched against the sum of total amount
and count of entire CT and RT in EOD report. If it matches, all the pending
transactions in the previous batches and all pending transactions in the current
batch will be processed through the STP flow. If there is a mismatch, all the
transactions in that batch and previous batches will remain in the 235 status. The
user then has to take manual action against these payments.

The topic related to this feature is given below:

NEFT Clearing

United Kingdom » CHAPS Clearing » CHAPS

Auto Return
Available from: 202205
For each Clearing House Automated Payment System (CHAPS) participant, the
Extended Industry Sort Code Directory (EISCD) file contains a record for the
repair branch of the respective CHAPS direct participant. The repair branch is
identified in the EISCD file by using the Return Indicator tag, which holds the
value ‘R’.
This functionality allows banks to capture the BIC code of the repair branch
record in the Account with Institution tag (tag 57) of the MT202 message for all
the return CHAPS transactions generated by TPH.

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Payments

The topic related to this feature is given below:

CHAPS Clearing

Request to Pay » Supporting RtP Clearing

Reports
Available from: 202205
Temenos RtP framework did not have the ability to support RtP reports, such as
daily reconciliation or monthly reconciliation reports received from Clearing.
Temenos RtP framework is now enhanced with the following functionalities to
support RtP reports received from Clearing:
l Automatic upload and mapping of reports received from RtP Central
Infrastructure (CI).
l Archive reports based on the configuration.
l Ability to query on the received reports.

The topic related to this feature is given below:

Local Clearing RtP Reports

Request to Pay » Determining and Processing

In-house RtP Requests
Available from: 202205
Temenos RtP framework sends RtP messages in XML format to Clearing, even if
the Business Identifier Code (BIC) or National Clearing Code (NCC) of the
requestor or payee’s and payer’s bank are same. The RtP framework was not
able to determine whether an RtP request is in-house or not.

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Temenos RtP framework can now be configured to determine whether an RtP

request is in-house for a scheme or not. This is applicable only for schemes that
utilize XML messages for inter-bank communication.
l If a scheme is configured for in-house processing, the RtP request is
considered in-house when the BIC or NCC of the requestor or payee’s and
payer’s bank are same.
l For RtP requests that get classified as in-house, RtP framework directly
places the outward communication messages in the corresponding inward
queues of the same bank instead of routing them to the outward clearing
queues.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topic related to this feature is given below:

Communication Mechanisms for a Scheme

Payment Initiation » Capturing FX and Charge

Details in PO
Available from: 202205
The Local Currency Draft Issuance and Foreign Currency Draft Issuance screens
in the PO application did not have the capability to capture charge details and FX
details respectively.
The Local Currency Draft Issuance screen in the PO application is now enhanced
to capture the following charge details:
l Charge type
l Charge description
l Charge currency
l Charge amount

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Payments

l Charge amount currency

l Debit charge impose
l Waive all charges

The Foreign Currency Draft Issuance screen in the PO application is now

enhanced to capture the charge details and the following FX details:
l Indicative rate
l Treasury rate
l FX spread
l Customer rate

The topic related to this feature is given below:

Issuing Draft in Local and Foreign Currencies

Argentina » DEBIN Registration Clearing

Available from: 202206
This functionality allows banks to transfer funds between customers with an
immediate transfer. Unlike other means of payment, DEBIN is an immediate
online transfer by which the collector (seller) initiates the process and the payer
(buyer) can accept or reject the request.
DEBIN admits payments in Argentinian pesos (ARS) or dollars (USD), only
between accounts of the same currency. DEBIN also have an expiry time and
requests accepted by the payer after the expiry time will be rejected by COELSA
(clearing house for DEBIN payments).

The topic related to this feature is given below:

DEBIN Registration Clearing

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 Payments

Australia » NPP Payments » Make a Payment

Available from: 202206
This functionality allows banks to process NPP instant payment transfers
between indirect participants and Cuscal.
The PAYMENT.ORDER,CUSNPP.API.INPUT.1.0.0 API has been created as
part of this functionality to be used to connect internet or mobile banking to the
Payment Order version.

The topic related to this feature is given below:

NPP Payments

Temenos Payments » Handling Charges for

International Financing Payments
Available from: 202206
Temenos Payments now supports international financing payments, where the
second leg of an international financing transaction is booked in Temenos
Payments while the first leg is booked in Treasury or Lending applications.
For such international financing payments, Temenos Payments is enhanced to
apply charge conditions of the ordering customer and collect the derived charges
from the ordering account for international financing payments.

The topics related to this feature are given below:

International Financing Payments Fees
Collecting Fees for International Financing Payments
Client Conditions for International Financing Payments

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Payments

Applying Charge Conditions for International Financing

Payments

Request to Pay » Processing Pre-authorisation

for RtP Requests
Available from: 202206
The RtP framework processed RtP requests without requiring an active pre-
authorisation between the requestor and payer.
The RtP framework is now enhanced to allow the payer to pre-authorise the
requestor (biller or payee) to send RtP messages to the payer. This feature
includes the following functionalities:
l Pre-authorisation can be configured as a pre-requisite for processing RtP
requests, which is applicable for API-based RtP schemes.
l The requestor can initiate the RtP pre-authorisation request to the payer.
l The payer can approve, decline, block, or unblock the requestor from
sending RtP messages.

The banks can now provide the pre-authorisation functionality in RtP for their
customers.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Pre-authorisation
Scheme Defined Rules
Pre-authorising Requests

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Processing an Outward RTP Mandate

Authorising an Outward RTP Mandate
Deleting an Outward RTP Mandate
Amending an Outward RTP Mandate
Viewing an Outward Mandate
Viewing an Outward Mandate Submitted for Authorisation
Accepting an Inward Mandate
Declining an Inward Mandate
Sending Notes for an Inward Mandate
Blocking an Inward Mandate
Unblocking an Inward Mandate
Viewing an Inward Mandate
Sending Notes for an Outward Mandate

Payments Repair » Repairing Messages using

TPR for High STP Rate
Available from: 202206
SWIFT and other payment processing clearings change the format of the
payments to ISO payment formats, but the content of the payment message is
mostly the same as content is mapped from old format to new format. Hence, the
payment messages are still coming under manual repair queues, which slows
down the process. The Straight Through Processing (STP) rates for cross border
payments are still below 90%.
Temenos Payments Repair (TPR) can bring up the STP rates above 90% by
autocorrecting the payment messages which reduces the cost and time.
TPR can be used as standalone or with Temenos Payment Hub (TPH). TPR
comes as a package of more than forty flexible rules. The rules can be configured
by the user according to their needs. The user can still request bank specific

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repair rules which can be added as standard rules when possible. The rules are
configured and updated with user rights.
TPR supports cloud, MT103, MT101, MT202, MT202COV, PAIN.001,
PACS.008, PAC.009 and TPH formats. Additional formats can be added on
request.

The topic related to this feature is given below:

Repairing Messages using TPR for High STP Rate

Temenos Payments/Europe » Enhancing

Channel Validations and Mapping for
Redirection of pacs.008 and pacs.004
Available from: 202207

Temenos Payments is now enhanced with new channel validations and mapping
changes for STEP2 and CBPR+ to support the following redirection flows.
l pacs.008 from CBPR+ to STEP2
l pacs.008 from STEP2 to CBPR+
l pacs.004 from CBPR+ to STEP2
l pacs.004 from STEP2 to CBPR+

With this enhancement, the banks who are acting as intermediaries can now:
l Receive SWIFT CBPR+ customer transfer from the correspondent or
Indirect Participant (IP) bank and redirect through STEP2 for EURO
payments.
l Receive inward customer transfer file from STEP2 and redirect to the
correspondent or IP bank as CBPR+ customer transfer for EURO
payments.
l Receive SWIFT CBPR+ return transfer from the correspondent or IP bank
and redirect through STEP2.

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l Receive return transaction from STEP2 and redirect to correspondent or IP

bank as CBPR+ return transfer.

The topics related to this feature are given below:

Unstructured Address mapping
STEP2-specific Channel Validations

Temenos Payments/Europe » Supporting Case

Management for SWIFT CBPR+ Payments
Available from: 202207
Temenos Payments is now enhanced to support the following case management
functionality for SWIFT CBPR+ payments:
l Ability to initiate cancellation requests for outgoing CBPR+ payments and
send through SWIFT using camt.056.001.08 message format.
l Ability to receive and process technical acknowledgements from SWIFT
against the previously sent cancellation request.
l Ability to receive and process resolution of investigation from SWIFT
against previously sent cancellation request using camt.056.001.08
message format.

Based on the CBPR+ feature, the existing case management functionality

supported for MX-based RTGS systems (for example, TARGET2) has also been
modified. The RTGS case management-related user interface screens and
message mappings have been modified to allow recalling cover.
SWIFT CBPR+ Case Management
TPH is now enhanced to process CBPR+ case management messages in MX
format. The CBPR+ case management functionality is available with the
PPSWCR license in addition to the PPSWMX license. TPH supports case
management functionality for originating payments and incoming payments only.
Case Management for MX-Based RTGS Systems

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Payments

As part of the CBPR+ case management functionality, modifications have been

done to:
l Add new fields in the EBQA application.
l New UI screens to initiate, view, and respond to the cancellation request.
l Ability to send and receive cancellation requests for cover payments
(pacs.009 COV) and respond.

These changes have been incorporated into the existing RTGS case
management functionality, that is, applicable for MX-based RTGS systems, such
as TARGET2.
API to Initiate Cancellation Request
TPH already provides API to send customer-initiated and bank-initiated
cancellation requests to TPH. The same API can now be used to send
cancellation requests for SWIFT CBPR+ payments and RTGS payments. This
API can be used to request a cancellation for serial payments and announcement
messages only. Cover cancellation cannot be initiated using this API.

The topics related to this feature are given below:

Supporting Case Management
Message Types for Recall (payment cancellation)
Processing Outward Payment Cancellation
RTGS ISO Outward Cancellation Processing
Acknowledgements
Initiating a Outward Cancellation Request by Customer
Initiating a Outward Cancellation Request by Bank
Authorising an Outward Cancellation Request
Deleting the Unapproved Cancellation Request

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 Payments

Temenos Payments » Supporting Print Advice

through Delivery Module in TPH
Available from: 202207
In TPH, the POST advice was always sent directly through the AUTOFORM
application without the involvement of the print service in Delivery (DE) module.
TPH is now enhanced to support print advice (advice in paper or pdf) generated
by the print service in Delivery module instead of the AUTOFORM application. In
Fund Transfer module, the print advice is generated by DE and now the clients
migrating from fund transfer to TPH can also have the print advice posted
through DE.
TPH now allows the user to:
l Select the Delivery Method option as print for debit and credit advice in
client condition and Bank conditions tables.
l Enable the printing process for the payment type and source
l View the debit and credit advice in the TPH Pending and Processed
enquiry.

The topics related to this feature are given below:

Print Advice in Client Conditions
Print Advice in Bank Conditions

Temenos Payments » Handling Boundary Dates

in Temenos Payments
Available from: 202208
Temenos Payments is now enhanced with the ability to configure:

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Payments

l Boundary date based on payment type.

l Past and future allowed days in terms of working days in addition to
calendar days.

The topics related to this feature are given below:

Boundary Date
Dates Product Group

Temenos Payments » Sending Cross-border

Customer Payment Status Report (pain.002)
Available from: 202208
Temenos Payments is now enhanced to support cross-border customer payment
status report (pain.002) through SWIFT network. Banks can send pain.002 (v10)
in CBPR+ format through SWIFT channel to the sender of the payment message.
Banks can also receive acknowledgement and delivery notification from SWIFT
network when pain.002 is sent through SWIFT.
l Temenos Payments supports transaction-level acknowledgements
including final and interim statuses as follows,
l Interim statuses are sent by Temenos Payments (based on config in
netting agreement and source setting): ACFC, ACWC, PDNG.
l Final statuses are sent by Temenos Payments (based on config in
netting agreement and source setting): ACSC, RJCT, ACCC.
l CBPR+ pain.002 which is sent to corporates or financial institutions as part
of file-level acknowledgement (positive or negative) can be viewed in the
Received File Details enquiry against the received payment initiation
message.
l CBPR+ pain.002 as part of transaction level acknowledgement (interim,
final positive or negative) can be viewed in Pending and Processed enquiry
against the payment transaction.

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 Payments

l The outward pain.002 validates against the corresponding XSD applicable

for the channel (SWIFT) through which the message is sent. If XSD
validation fails, the message should not be sent out and its displays in
SWIFT ISO Technical Exception Queue. Users can ‘Ignore’.
l It is possible for the bank to receive acknowledgement and delivery
notification from the SWIFT network when the pain.002 is sent through the
SWIFT network. Users can ‘Ignore’ and ‘Resubmit’.
l Banks can now send pain.002 (v10) in CBPR+ format through the SWIFT
channel to the sending institution of the payment message.

Customer payment status report (pain.002) is sent by the debtor agent to inform
the previous agent about:

l Positive status – When the received instruction processes successfully by

the instructing agent. Positive status is optional and depends on the
agreement between banks.
l Pending status – When the payment is in intermediate status, and it is
neither complete nor rejected. Pending status is optional and depends on
the agreement between banks.
l Negative status – When the received instruction is rejected by the
instructing agent. Negative status for rejection is mandatory and does not
require any agreement.

The topics related to this feature are given below:

Customer Payment Status Report Processing
Status Reporting

Temenos Payments » Retention of Funds

Reservation for Payment Failing Posting
Available from: 202208
Temenos Payments is now enhanced to retain the fund reservation during a
payment posting failure. The same reservation retains in the account. When the

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Payments

posting issue resolves for the payment, the same reservation key is used by the
payment.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Payments Posting
External Interfacing during Payment Processing

Request to Pay » Manual Upload of Bulk RtP

Available from: 202208
Temenos RtP now supports the manual upload and query on the bulk RtP file
through browser and API. The supported message format for the bulk RtP file is
pain.013.001.07 (EPC & ISO). Users can view the list of all bulk RtP files
received from customers and manually uploaded from browser through a single
enquiry. Users can also choose to view the file summary and statistics on the
status of initiated RtP requests.

Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

Initiating Bulk RtP Requests
Currencies Accepted in Bulk RtP File
Bulk RtP Requests

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United Kingdom » CHAPS in ISO20022 (MX)

Available from: 202209
This functionality supports incoming, outgoing and return messages. Changes
have been done to adapt CBPR+ usage for CHAPS.

The topic related to this feature is given below:

CHAPS in ISO20022 (MX)

Europe » Sending and Receiving TARGET2

Messages to Comply with UDFS 2.2
Specification
Available from: 202209
Temenos Payments Hub (TPH) is now enhanced with the ability to send or
receive the TARGET2 messages to comply with the latest UDFS 2.2 (SWP 4.1)
specification. This enhancement includes the following functionality:
l Support all instruction codes while sending Instruction Information to the
creditor agent in the outgoing payment message.
l Ability to process all supported confirmation statuses in the response
received from TARGET2 against the outgoing recall request.
l Ability to lookup the original transaction on receipt of a pacs.004 based on
original UETR.

The topics related to this feature are given below:

Recall
Pre-configured Reason Codes

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Capturing Outgoing TARGET2 Payment from PO Application

Temenos Payments » Enhancing Counter

Account Payments in Temenos Payments
Available from: 202209
Temenos Payments is now enhanced with the ability to nominate the
counterparties from or to whom payment can be received or sent. The system
performs the following:
l Checks for the nominated counterparty during payment initiation and
generates an error message, if not defined.
l Checks for the nominated counterparty during payment processing and
places the payment for manual action or automatically cancels it, if not
defined.

The topics related to this feature are given below:

Nominated Counter Party Check
Account Funds Authorisation
Counter Party Check
General Validations during Payment Capture

United Kingdom » CHAPS in ISO20022 (MX)

Available from: 202210
This functionality supports incoming, outgoing and return messages. Changes
have been done to adapt CBPR+ usage for CHAPS.
Changes have also been performed for the Pacs.009 and Pacs.009Cov
messages that apply to both outward and inward messages

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The topic related to this feature is given below:

CHAPS in ISO20022 (MX)

Temenos Payments » Invoking Stop Payment

Validations Irrespective of Balance Check
Available from: 202210
Temenos Payments is now enhanced with the ability to perform Transaction Stop
check irrespective of whether the balance check is enabled or not. If the
Transaction Stop (TZ) module is installed and configured, then the system
continues to perform Transaction Stop check.

The topic related to this feature is given below:

Txn Stop Auth Required

Payment Initiation » Cancelling Payment Orders

through PO Application
Available from: 202210
Temenos Payments is now enhanced with the ability to cancel a payment order
through the PO application based on the configured parameters. The user can
now configure a set of classified states as cancellable and cancel only the
payment orders parked in those states. This enhancement includes the following
functionality:
l The PO application can now accept cancellation requests from other
Transact applications that created the respective payment orders.
l For orders pending in Temenos Payments, PO requests the payment
system for cancellation of payments.

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The topics related to this feature are given below:

Payment Order Cancellation
Configuring PO Application

Temenos Payments » Return Payment

Cancellation
Available from: 202210
Temenos Payments is now enhanced to support the cancellation of return
payments. The user can cancel return payments that are not sent to clearing and
are in a transient state. This enhancement includes the following functionality:
l A new enquiry lists all the eligible return payments that the bank user can
cancel.
l After return cancellation, the system restores the original payments to the
payment processing state or marks as complete based on the payment
processing phase when the return is initiated.

The topics related to this feature are given below:

Cancelling Outward Return
Processing Cancellation Request for Payments before Clearing
Viewing Cancellation Request for Payments before Clearing
Authorising Cancellation request for Payments before Clearing
Rejecting Cancellation request for Payments before Clearing
Deleting Cancellation request for Payments before Clearing
Viewing Cancellation request for Payments before Clearing

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Debit Collection Initiation » Cancelling Debit

Collection Order
Available from: 202210
The user can now initiate the cancellation of the debit collection order from the
DB module if the collection order is in a cancellable state (Error or Placed) before
distribution to Clearing. This enhancement includes the following functionalities:
l If the status of the order is Error, the user can cancel the order in the DB
module.
l If the status of the order is Placed, the system sends an embedded call to
TPH for cancellation. Based on the response from TPH, the order is
marked as cancelled in the DB module.
l On receiving the request from the DB module, TPH cancels the order
based on the configuration in PP.SOURCE.SETTING and the current status
of the order. TPH responds back on the status of the cancellation request.
l The user can also cancel the debit collection order directly in TPH based on
the current status of the direct debit collection.

The topics related to this feature are given below:

Debit Collection Application
Interface and Message Standards
Static Data
Payment Capture and Enquiry
Cancellation

Temenos Payments » Uploading ISO 20022

External Code List
Available from: 202210

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Payments

After evaluation and approval by the SEG at the end of February, May, August
and November, Registration Authority (RA) publishes an updated version of the
external code sets. The external code sets are published in XSLX, XSD and
JSON file formats.
Temenos Payments is now enhanced with the ability to automatically and
manually upload the external code list file in PI.ISO.EXTERNAL.CODE table.
The users can also manually add or edit the code values using an enquiry.

The topics related to this feature are given below:

PI.ISO.EXTERNAL.CODE

ISO External Code List Upload

Australia » NPP Payments

Available from: 202211
This functionality allows banks to manage the generation and processing of the
Make a Payment (MAP) Json API V2 when a Payment Initiation Request (PIR) is
received from Cuscal.
The MAP Json API and Receive a Payment Return (RAPR) for normal NPP
payments have been upgraded to V2, and for the RAPR response, version V1
has been used.

The topic related to this feature is given below:

NPP Payments

India » NEFT Clearing

Available from: 202211
This functionality allows banks to process the outward N07 file generation,

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 Payments

process manual and automatic returns and support the receipt of ADMI
messages.
For an inward credit transfer, if there is an issue with the credit account, TPH will
automatically return the inward CT by generating an N07 message and the
payment will move to status ‘687’. The original transaction will be reversed.
Positive and negative ADMI messages are received for N07.

The topic related to this feature is given below:

NEFT Clearing

United Kingdom » CHAPS in ISO20022 (MX)

Available from: 202211
This functionality supports incoming, outgoing and return messages. Changes
have been done to adapt CBPR+ usage for CHAPS.
Additional changes have been performed for the Pacs.004 messages that apply
to both outward and inward messages to update the channel validation for return
reason information AnyBIC and transaction information or original Interbank
settlement date.

The topic related to this feature is given below:

CHAPS in ISO20022 (MX)

International Payments (SWIFT CBPR+

ISO20022) » SWIFT CBPR Q4 UHB Changes
Available from: 202211
SWIFT provides incremental updates to CBPR+ specifications and User

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Payments

Handbook (UHB) for every quarter. The updated message specifications and
UHB were published at the end of Q4 2021 and Q1 2022. Accordingly, Temenos
Payments is enhanced to support the changes mentioned in the latest UHB.
Temenos Payment is now enhanced to be compliant with Q4 2021 and Q1 2022
CBPR guidelines.

The topic related to this feature is given below:

SWIFT CBPR Q4 UHB Changes

Payments Hub » Processing Cancellation

Request in Temenos Payments Deployed in
Standalone Mode
Available from: 202211

Temenos payments deployed in standalone mode is now enhanced to receive

cancellation request (for a file or bulk) as a camt.055 message for payments that
are not yet sent to clearing and are in classified transient state.

The topics related to this feature are given below:

External Interfacing during Payment Processing
Manual Action of Posting Reversal Failure for Cancelled
Payments

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Payments Hub » Batch Processing of Customer

Transfer Initiation Files with Charge Option as
DEBT/OUR
Available from: 202211
Temenos Payments is now enhanced to support charge option as DEBT or OUR
when processing a bulk payment as a batch. The charges of both the receiving
bank and the debtor are calculated and collected from the debtor.

The topics related to this feature are given below:

Batch Processing of Customer Transfer Initiation Files with
Charge Option as DEBT/OUR in Bulk Payments
Batch Processing of Customer Transfer Initiation Files with
Charge Option as DEBT/OUR in Fees and Billing

Europe » EBA Request to Pay (R2P)

Available from: 202211
Temenos RtP solution can process payment requests with basic use cases
offered by EBA R2P. The use cases are,
l Approve Now – The Payee or Requestor can initiate payment request for
which a response from the Payer is expected within short timelines.
l Approve Later / Request to Pay Plus – The Payee or Requestor can initiate
payment request for which a response from Payer is not expected
immediately.

Payers can view the received payment requests and respond by approving or
rejecting the payment requests.

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Payments

The topic related to this feature is given below:

EBA Request to Pay (R2P)

Australia » NPP Payments

Available from: 202212
This functionality allows banks to send an accepted or rejected response to
Cuscal for a payment initiation request received if it is successfully validated or if
the validation fails. The outgoing positive or negative pain.002 message is
processed and generated with the appropriate mapping.

The topic related to this feature is given below:

NPP Payments

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UK Model Bank

CHAPS in ISO20022 (MX)

Available from: 202212
This functionality allows banks to process the messages containing special
characters listed by Cross-Border Payments and Regulation Plus (CBPR+) in
addition to the FIN MX characters.

The topic related to this feature is given below:

CHAPS in ISO20022 (MX)

Temenos Payments » Cancelling Timed-out

Instant Payments
Available from: 202212
Temenos Payments is enhanced to cancel Instant and Near Real-time Instant
Payments awaiting a response from the Sanction Screening beyond a configured
period.
This ensures Instant Payments are not stuck for a long time and reserved funds
are reversed upon payment time-out, resulting in efficient usage of funds for
other payments.

The topics related to this feature are given below:

Instant Response Time-out
Time-out for Instant Payments
Viewing Instant Time-out Payment Cancellations

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Payment Initiation, Temenos Payments, and

Clearing & RTGS - Europe » Supporting 2019
ISO20022 XML Messages in TPH
Available from: 202212
Temenos Payments Hub is enhanced to handle ISO20022 messages which are
compliant with 2019 XML standards in Customer to PSP (Payments Service
Provider) space. The ISO2022 messages are specific to,
l Customer credit transfer initiation
l Customer direct debit initiation
l DD reversal request
l Customer status reports

The topics related to this feature are given below:

Offline Capture
Message Formats for DD
Source Setting
Types of Payment and Messages
SEPA Direct Debit
Capturing Domestic Plus Payment Order

Temenos Payments & Europe » Skip BicBkCd

Validation
Available from: 202212
Temenos Payments Hub (TPH) can skip BIC and NCC validations against the
SWIFT-Published Bank Directory Plus file at the clearing level during the
processing of payment. This feature is now applicable for Routing and Settlement

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and ISO common validations.

The topics related to this feature are given below:

Skip BIC and NCC Validation in Routing and Settlement
Skip BIC and NCC Validation in Target2(IS020022)
Skip BIC and NCC Validation in Clearing

Payments Repair » Implementing CBPR+

202206 Rule Book Changes in TPR
Available from: 202212
Temenos Payments Repair (TPR) is enhanced to adhere to the CBPR+ 202206
Rule book changes, as follows.
l TPR replaces all special characters (!#$&%=^_’{|}~";<>@[\]) with a dot in
specific tables so that the Name, Address and Remittance Information
fields of the MX messages can contain the special characters.
l TPR removes the Name and Address details if BIC is present, as the
CBPR+ message does not allow to have the details if BIC (Bank Identifier
Code) is present.

The topics related to this feature are given below:

Functions of User as an Inputter
Generic Tables
Working with Payments Repair

Australia Model Bank

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BPAY Direct Participants

Available from: 202301
This module allows banks to manage the inward BDF file acceptance, debulking
and mapping, processing of transactions with instruction type 05, 15 and 25,
validate the biller code and identify the settlement account.
Temenos Payments Hub (TPH) supports BPAY processing for the agency
banking. TPH can accept the incoming BDFs from BPAY clearing. BDFs will be
received three times per day sent by the BPAY. BDF contains the multiple
transactions. Once the BDF received, TPH will performs the core level file
validations in the BDF. After the successful validation, TPH will de-bulk the file
and process the transactions individually. Individual transactions will be
processed, and the settlement entries will be posted based on the Master biller
code. In case any error occurred in the file level validation, then the file will be
rejected and Cuscal users will be able to view the file through an enquiry.
Similarly, if any of the transaction fails, Cuscal users will be able to view the
transaction and take manual action through the repair screen.

The topic related to this feature is given below:

BPAY Direct Participants

NPP Payments » NPP PayTo

Available from: 202301
This functionality allows banks acting as Payer to receive and process payment
initiation requests initiated by payer via Cuscal API and initiate automatic
payments as NPP Instant credit transfer and also receive payment returns.
New configurations have been released to support the payment initiation
requests received from Cuscal.

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The topic related to this feature is given below:

NPP Payments

Europe Model Bank

Swiss Interbank Clearing (SIC)

Available from: 202301
This functionality covers the SIC 2022 Rulebook changes to incoming, outgoing
and redirect of pacs.008, pacs.004 and incoming, outgoing of pacs.002,
camt.056 and camt.029. It also covers the SIC 2022 Rulebook changes to
support incoming and outgoing pacs.002 messages.
This rulebook changes are to adapt CBPR+ usage for SIC.

The topic related to this feature is given below:

Swiss Interbank Clearing (SIC)

Eurosic RB2021 and RB2022 Changes

Available from: 202301
This functionality allows banks to manage the euroSIC RB2021 and RB2022
changes for pacs.008 customer credit transfers (incoming and outgoing).

The topic related to this feature is given below:

Euro Swiss Interbank Clearing (EUROSIC)

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Swiss Interbank Clearing (SIC)

Available from: 202302
This functionality covers the SIC 2022 Rulebook changes to incoming, outgoing
and redirect of pacs.008, pacs.004 and incoming, outgoing of pacs.002,
camt.056 and camt.029.
The Temenos Payments Hub already supports Swiss Interbank Clearing (SIC)
clearing, the system has been enhanced to support the SIC 2022 Rulebook
changes related to return message pacs.004.001.09.ch.02. The Temenos
Payments Hub is now enhanced with the following functionalities to cover the
SIC 2022 Rulebook updates for pacs.004:

l Support processing inward and outward return for incomplete transaction.

l Ability to generate return (pacs.004) for inward pacs.009 and pacs.009
COV for SIC clearing.
l Support receiving return from SWIFT for original redirected bank transfer
received from SIC clearing.

The topic related to this feature is given below:

Swiss Interbank Clearing (SIC)

Euro Swiss Interbank Clearing (EUROSIC) »

Eurosic RB2021 and RB2022 Changes
Available from: 202302
This functionality allows banks to manage EUROSIC payments due to the impact
of CBPR+ changes.

The topic related to this feature is given below:

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Euro Swiss Interbank Clearing (EUROSIC)

Euro Swiss Interbank Clearing (EUROSIC) »

Eurosic Rulebook Changes for 2021 and 2022
Available from: 202303
This functionality allows banks to support EuroSIC clearing functionality with the
latest upto date rulebook changes published for 2021 and 2022 respectively
enhancing all the existing supported messages like pacs.008, pacs.009,
pacs.002, camt.056, camt.029 and pacs.004 with the latest changes.

The topic related to this feature is given below:

Euro Swiss Interbank Clearing (EUROSIC)

Swiss Interbank Clearing (SIC)

Available from: 202303
This functionality covers the SIC 2022 Rulebook changes to support incoming
and outgoing pacs.002 messages. This rulebook changes are to adapt CBPR+
usage for SIC.
Temenos Payments Hub already supports Swiss Interbank Clearing (SIC)
clearing. The system has been enhanced to support SIC 2022 Rulebook
changes related to the Payment Status Report message pacs.002.001.10.ch.02.
The following functionality has been provided to cover the SIC 2022 Rule Book
updates for pacs.002:
l When a pacs.002 NACK received for an outward pacs.008
(pacs.008.001.08.ch.02), pacs.009 (pacs.009.001.08.ch.02) or pacs.004
(pacs.004.001.09.ch.02) original message contains the UNKNOWN value
in the OrgnlMsgId, OrgnlMsgNmId, OrgnlTxId, Instructing Agent MmbId

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and Instructed Agent MmbId elements, then a record will be created in the
list of received Message/Files details with the Unmatched status.

The topic related to this feature is given below:

Swiss Interbank Clearing (SIC)

United States Model Bank

Fednow Instant Clearing

Available from: 202301
Fednow is an ISO20022 based instant payment clearing in USA. This module
currently supports outgoing and incoming credit transfers (pacs.008) and related
confirmation messages (pacs.002).
Through financial institutions participating in the FedNow service, businesses
and individuals will be able to send and receive instant payments conveniently,
and recipients will have full access to funds immediately, giving them greater
flexibility to manage their money and make time-sensitive payments.

The topic related to this feature is given below:

Fednow Instant Clearing

Temenos Payments » Skipping BIC and Bank

Code Validation for Static Tables
Available from: 202301
It is now possible to skip BIC validations against the SWIFT-published Bank
Directory Plus file while creating or modifying configuration records in Temenos

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Payments Hub (TPH).

The topics related to this feature are given below:

Skipping BIC and Bank Code Validation - Company Properties
Skipping BIC and Bank Code Validation -
RD.CENTRAL.BANK.DIR?

Temenos Payments and Europe » Handling

Technical NAK from Network or Clearing
Available from: 202301
Temenos Payments has been enhanced to credit the debit amount back to the
customer when the payment is rejected by the network or clearing.
When the TPH receives a technical NAK from the network or clearing, the system
reverses the accounting entries of the transaction and once the reversal is
successful, TPH creates a new RJ transaction to debit the Batch suspense and
credit the Debtor back.
The debit party (debtor) of the parent transaction of the bulk always has an
account with the TPH processing bank, while the individual beneficiary accounts
of the individual child transactions could either be owned by the TPH bank or
belong to another bank. If the beneficiary account resides in another bank, the
transaction is routed through clearing or correspondent banking (Loro or Nostro
or Account) based on the contract agreement defined in the system.
It is possible to receive a technical acknowledgment from the network or clearing
or a functional acknowledgment from the other bank or clearing.

The topics related to this feature are given below:

Handling Technical NAK from Network or Clearing in Temenos

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Payments
Handling Technical NAK from Network or Clearing in Target2

Fednow Instant Clearing » Customer Credit

Transfers
Available from: 202302
Using this functionality, banks are able to process the outward and inward
pacs.008 payment messages and receive the inward technical reject response
(admi.002) and positive/negative business response (pacs.002) messages
through the new configurations, mappings and process flows, released for this
functionality.

The topic related to this feature is given below:

Fednow Instant Clearing

Fednow Instant Clearing » Return Request and

Return Request Response
Available from: 202302
This functionality allows banks to process the inward return request (camt.056)
messages, the return request (camt.029) response messages and the inward
admi.007 acknowledge messages for the camt.029 sent through the new
configurations, mappings and process flows, released for this functionality.

The topic related to this feature is given below:

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Fednow Instant Clearing

Temenos Payments » Cancelling Payment in

TPH
Available from: 202302
Temenos payments can be configured to,
l Generate a positive Resolution of Investigation (ROI) message (camt.029)
when accepting the cancellation request for a credit transfer along with the
return message.
l Send a pending Resolution of Investigation (camt.029) message when the
user manually selects the pending option for a cancellation request.

Also, in the SEPA amend version, the Iso Rej Reason Code field is changed from
drop-down to text box. The system validates the entered reason code against the
existing SEPA reason codes.

The topics related to this feature are given below:

Cancelling Payment in Clearing
Cancelling Payment in Exceptions and Investigations
Configuring Exceptions and Investigations
Processing Cancellation Requests

Fednow Directory Upload and Reachability

Check » End of Day Reports
Available from: 202303
This functionality allows banks to upload the FedNow participant file in the

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directory and to manage the reachability check for FedNow participants from the
Temenos Payments Hub (TPH) and Payment Order application (POA).
New mappings have been released to accommodate the FedNow participant file
admi.998.

The topic related to this feature is given below:

Fednow Directory Upload and Reachability Check

Fednow Instant Clearing » Customer Credit

Transfers
Available from: 202303
This functionality allows banks to initiate payments in the customer channel or
any other channel through API requests.

The topic related to this feature is given below:

Fednow Instant Clearing

Fednow Instant Clearing » Financial Credit

Transfers
Available from: 202303
FedNow service is an instant payment service that enables financial institutions
of every size and community across the U.S. to provide safe and efficient instant
payment services in real-time, around the clock, every day of the year.
Through financial institutions participating in the FedNow service, businesses
and individuals will be able to send and receive instant payments conveniently,
and recipients will have full access to funds immediately, giving them greater

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flexibility to manage their money and make time-sensitive payments.

This functionality allows banks to process the financial institution credit transfer
payments received through the pacs.009 message.

The topic related to this feature is given below:

Fednow Instant Clearing

Fednow Instant Clearing » Payment Return

Available from: 202303
This functionality allows banks to manage the FedNow instant return payment
processing. Temenos Payments Hub has the ability to initiate returns against the
credit transfers received from other FedNow participants. Temenos Payments
Hub will generate the pacs.004 file for customer credit transfer messages.
New configurations, mappings and process flows have been released as part of
this functionality to support FedNow Instant Payments.

The topic related to this feature is given below:

Fednow Instant Clearing

Liquidity Transfer Requests » LTR Debtor and

Creditor BIC
Available from: 202303
The LQ module is enhanced to allow the user to configure the external account
BIC (debit or credit) in the account mapping configuration and populate this in the
outbound liquidity transfer request (LTR) message.

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The topic related to this feature is given below:

Debtor and Creditor BIC – LTR

Temenos Payments/ Payment Initiation/ Country

Validation » Country Validation
Available from: 202303
Many countries have framed payment regulations for international payments
received by that country. These regulations are formulated to support anti-money
laundering controls and improve payment transparency.
Every payment destined to a particular country must adhere to the guidelines
formulated by the respective countries’ Central Bank or FX regulatory body.
This module provides a framework to define country specific payment conditions.
During payment initiation or execution, the PO and TPH applications can make a
call to this module to validate if the payment meets the regulatory requirements of
the destination country (Creditor Agent's country).

The topics related to this feature are given below:

Country Validations
Country Payment Conditions Check for International Payments
(SWIFT CBPR+ ISO20022)
Performing Country Rules Check
Country Payment Conditions Check for Business Validations
Country Payment Conditions Check for Payments Capture and
Enquiry
Configuring Country Payment Conditions Check
Country Payment Conditions Check for Routing and Settlement

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Payments Hub » Processing Customer

Cancellation Request Message
Available from: 202304
Temenos Payments is enhanced to support the processing of CBPR (Cross-
Border Payments and Reporting) customer cancellation requests that are
received through SWIFT or API and communicated to clearing or network for the
original payment initiation message. The message is forwarded to the receiver of
the underlying transaction as an ‘FI to FI cancellation request message’.

The topics related to this feature are given below:

Processing of Non-Payment Messages based on Technical
Acknowledgements
Configuring Customer Payment Cancellation Processing
Processing Customer Payment Cancellation Request
Incoming Cancellation Request directly from Customer
Processing Customer Cancellation Request in Source Table
Processing Customer Cancellation Request

Payments Hub » Checking Credit Account

Restrictions in Standalone Payments
Available from: 202304
Standalone Payments is enhanced to check the credit posting restriction in
Arrangement Microservice (configurable) through Master Data Access Layer
(MDAL).
To maintain the account restrictions in Standalone Payments deployment, the
user can avail of the following options:

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l Account restrictions replicated in Temenos Payments.

l Account restrictions maintained in external DDA. Temenos Payments
validates the account restrictions by making a call to the external DDA.

The topics related to this feature are given below:

Checking Credit Account Restrictions in Standalone Payments
Configuring Account Restriction Definition Mode

Temenos Payments » Information Request

Available from: 202304
Temenos Payments is enhanced to perform the following functions:
l Enable the user to capture, authorise, and view Information Request
messages.
l Generate Unable to Apply messages such as, camt.026 based on the
captured information request.
l Sends the generated Unable to Apply messages to Clearing.
l Enable the user to view all inbound and outbound exceptions and
investigation messages sent to and received from Clearing.

The topics related to this feature are given below:

Initiating Information Requests
Setting up Message Type for Outgoing Information Requests
Defining Information Request Codes for Clearing
Information Request - Clearing Transaction Type
Working with Information Requests

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Payment Initiation » Checking Posting

Restriction from Arrangement Microservice
Available from: 202304
Payment Order (PO) in a standalone deployment can synchronously interface
with Master Data Access Layer (MDAL) to perform basic validations relating to
account, customer, market, and other reference data. If account restrictions are
replicated in Arrangement Microservice (AMS), PO performs a posting restriction
check synchronously from AMS through MDAL.

The topics related to this feature are given below:

PO Application Interfaces
Master Data Access Layer (MDAL)
Interfacing with Master Data Access Layer (MDAL)
Master Data Entities

Europe and Payments Hub » Migration from

2009 XML Message Format to 2019 XML
Format
Available from: 202304
Temenos Payments continues to support the existing 2009 XML version to send
the payment and inquiry messages of SCT and SDD to STEP2, till the next
STEP2 go-live date. Temenos Payments is now enhanced to support the
upgraded 2019 XML version to send the payments and inquiry messages of SCT
and SDD to STEP2 from 19 November 2023 (on the STEP2 go-live date).

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The topics related to this feature are given below:

SEPA Direct Debit
SEPA Credit Transfer
Message Formats for DD

Temenos Payments » Inbound Requests and

Outbound Responses
Available from: 202304
On sending an outward payment from TPH to the creditor bank using clearing,
Temenos Payments is enhanced to receive an inward Information Request
message against it. This message can contain various requests related to
payment details. Temenos Payments can store this Information Request
message and make it available to the users to view and respond.
Once the users have captured their response to these Information Requests,
Temenos Payments is enhanced to send out an outward Information Request
Response message to the creditor bank through clearing.

The topics related to this feature are given below:

Inbound Information Requests
Defining Information Request Response Codes
Processing Inward Information Requests

Payments Hub (PP) » Automatic Matching of

pacs.009 ADV and pacs.009 Core
Available from: 202304

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 Payments

Payments Hub is now enhanced to allow the bank users to customize the product
for automatic matching of pacs.009 ADV (bank transfer pre-advice message)
with the pacs.009 core message. Pacs.009 core message does not have any
indication to identify it as a cover message for the bank transfer pre-advice
message. With this customization, bank user can mark the pacs.009 core
message as a cover for pre-advice and match automatically.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topic related to this feature is given below:

Incoming Payments

Temenos Payments » Cheque Presentment

Notification
Available from: 202304
For processing the FCY draft request initiated by a bank user, TPH generates an
MT110 message (if configured) to the drawee or the correspondent bank. MT110
is sent as ‘Advice of Cheque(s)’ to the correspondent, indicating that a draft has
been issued and will be presented for payment by the payee. TPH is now
enhanced to generate a camt.107(Cheque Presentment Notification) message,
which is an ISO20022 message equivalent to MT110.

Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

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Payments

Cheque Presentment Notification

Payment Order Product for Foreign Currency Draft
(FCYDRAFT)
Configuring Cheque Presentment Notification (camt.107)
Capturing CBPR+ Foreign Currency Draft Payments
Routing and Settlement for camt.107
Configuring R&S for camt.107
New Product Condition for camt.107
Configuring Bank Condition for ChequePresentmentNotification
(camt.107)
Capture CBPR+ Foreign Currency Draft Payments

Temenos Payments » Information Request

Response and Additional Payment Information
Available from: 202304
As a response to an Information Request sent by the creditor bank, the debtor
bank can now respond with one of the following two messages:
l Information Request Response (camt.029) – Contains the processing
status of the information request
l Additional Payment Information (camt.028) – Contains the detailed
correction or missing information requested by the creditor bank

The topics related to this feature are given below:

Information Request Responses
Defining API to Identify Original Transaction or Case
Viewing Inward Information Request Responses

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 Payments

Temenos Payments » Message Rejects and

Receipt Acknowledgements
Available from: 202304
TPH is enhanced to receive and process Message Rejects and Receipt
Acknowledgement messages from clearing in addition to sending out Receipt
Acknowledgements on receipt of messages from clearing.

The topics related to this feature are given below:

Message Rejects and Receipt Acknowledgements
Configuring Sending Receipt Acknowledgements
Viewing Inward Message Rejects and Receipt
Acknowledgements

Europe Model Bank

Available from: 202304

Euro Swiss Interbank Clearing (EUROSIC) »

EuroSIC Rulebook Changes for 2021 and 2022
This functionality allows banks to support EuroSIC clearing functionality with the
latest upto date rulebook changes published for 2021 and 2022 respectively
enhancing the redirect pacs.004 message for pacs.008 and pacs.009 messages,
camt.029v8 message with the latest changes.

The topic related to this feature is given below:

Euro Swiss Interbank Clearing (EUROSIC)

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Payments

Swiss Interbank Clearing (SIC) » Inward

camt.025 Processing for Outward Messages
Available from: 202304
This functionality allows banks to manage the incoming camt.025 messages as
part of the SIC 2022 rulebook changes, to adapt the CBPR+ usage.
New functionality and mapping level changes have been released to support the
incoming camt.025 messages.

The topic related to this feature is given below:

Swiss Interbank Clearing (SIC)

Swiss Interbank Clearing (SIC) » QR Billing for

SIC and euroSIC Clearing
Available from: 202304
This functionality allows banks to manage the incoming QR bill payments
(pain.001), initiation of QR bill payments via the Payment Order Application
(POA) or Order Entry (OE) and generation of the outgoing pacs.008 message.
New functionality has been released to support the processing of QR bill
payments related to QRR and SCOR codes for SIC and euroSIC clearing.

The topic related to this feature is given below:

Swiss Interbank Clearing (SIC)

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 Payments

Swiss Interbank Clearing (SIC) » LSV Direct

Debit
Available from: 202304
This functionality allows banks to manage SIC and EuroSIC Lastschrift Verfahren
(LSV) direct debit payments in TPH, to receive pain.001.001.03 messages,
process and generate the outgoing pacs.008 messages.
New functionality and mapping level changes have been released to support the
processing of LSV direct debit payments for SIC and EuroSIC.

The topic related to this feature is given below:

Swiss Interbank Clearing (SIC)

Hong Kong Model Bank

CHATS MX Clearing » Inward Customer Credit

Transfers
Available from: 202304
This functionality enables banks to manage Real Time Gross Settlement (RTGS)
incoming customer credit transfers (pacs.008) in Temenos Payments.
To support the Hong Kong Clearing House Automated Transfer System (HK_
CHATS), payment clearing for the Clearing House Automated Transfer System
MX (CHATSMX), new configurations, mappings and process flows have been
released to process the outward (sending of the pacs.008 payment message)
file.

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Payments

The topic related to this feature is given below:

CHATS MX Clearing

CHATS MX Clearing »Outward Customer Credit

Transfers
Available from: 202304
This functionality enables banks to manage Real Time Gross Settlement (RTGS)
outgoing customer credit transfers (pacs.008) in Temenos Payments.
To support the Hong Kong Clearing House Automated Transfer System (HK_
CHATS), payment clearing for the Clearing House Automated Transfer System
MX (CHATSMX), new configurations, mappings and process flows have been
released to process the outward (sending of the pacs.008 payment message)
file.

The topic related to this feature is given below:

CHATS MX Clearing

United States Model Bank

Fednow Instant Clearing » Financial Credit

Transfers
Available from: 202304
This functionality enables banks to process the incoming return request response
(camt.029) messages for the return request (camt.056) payment messages
received for the pacs.009 payments.

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The topic related to this feature is given below:

Fednow Instant Clearing

Fednow Instant Clearing » Information Request

and Response
Available from: 202304
This functionality allows banks to manage the FedNow information request
messages (camt.026) processing received for credit transfer payments
(pacs.008) and send the Receipt Acknowledgement (admi.007) message for an
inward camt.026. Temenos Payments is enabled to initiate and send responses
to the received information requests through the camt.029 messages. This
functionality also manages the processing of an inward admi.002 and admi.007
for the camt.029 that was sent out.

The topic related to this feature is given below:

Fednow Instant Clearing

Fednow Instant Clearing » Payment Return

Available from: 202304
Using this functionality, banks are able to manage the admi.002 rejected
response message received from the FedNow service against the return
payment (pacs.004) due to a syntax failure that will be processed in Temenos
Payments Hub. Upon receiving the admi.002 rejection message, the instant
return payment will be rejected or cancelled in Temenos Payments Hub.

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Payments

The topic related to this feature is given below:

Fednow Instant Clearing

Fednow Instant Clearing » Payment Return -

Partial Receive Only
Available from: 202304
This functionality allows banks to manage the FedNow instant partial return
payment processing. Temenos Payments Hub is enabled to initiate partial
returns against the credit transfers received from other FedNow participants.
Temenos Payments Hub will generate the pacs.004 payment with partially
accepted for an incoming return request of the customer credit transfer payment.

The topic related to this feature is given below:

Fednow Instant Clearing

Fednow Instant Clearing » Payment Status

Request
Available from: 202304
This functionality allows banks to process the pacs.028 (payment status request)
messages and generate the corresponding pacs.002 messages with the
Accepted status code. Also, Temenos Payments will send the admi.007
acknowledgement message for the received pacs.028 (payment status request)
message of the underlying incoming customer credit transfer (pacs.008).
New configurations, mappings and process flows have been released to support
the FedNow payment status request processing.

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The topic related to this feature is given below:

Fednow Instant Clearing

Fednow Instant Clearing » Process the FedNow

and Participant Broadcast Message (admi.004
Incoming)
Available from: 202304
The FedNow Service is a new instant payment service that the Federal Reserve
Banks are developing to enable financial institutions of every size, and in every
community across the U.S., to provide safe and efficient instant payment
services in real time, around the clock, every day of the year.
Through financial institutions participating in the FedNow service, businesses
and individuals will be able to send and receive instant payments conveniently,
and recipients will have full access to funds immediately, giving them greater
flexibility to manage their money and make time-sensitive payments. The
FedNow Broadcast (admi.004) is the message that provides the participant
status, cycle rollover confirmation, cycle extension or transaction limit change.
To ensure a sender or receiver FI is enabled to send or receive a given message
type, the sender FI systems will check the bank status before sending instant
payments to the FedNow service.
This functionality allows banks to receive and process the FedNow Broadcast
message (admi.004 incoming) from clearing.

The topic related to this feature is given below:

Fednow Instant Clearing

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Payments

Fednow Instant Clearing » Return Request and

Return Request Response
Available from: 202304
This functionality enables banks to process the incoming rejection response
messages (admi.002) for the outward return request (camt.029) response
messages generated for the pacs.008 and pacs.009 payments.

The topic related to this feature is given below:

Fednow Instant Clearing

Fednow Instant Clearing » Return Request and

Response - Partial Receive Only
Available from: 202304
This functionality allows banks to process the return request (camt.056) payment
messages and the return request response (camt.029) with the status codes
IPAY (positive response), PDCR (pending response), PECR (partial accept
response) messages and the inward admi.007 acknowledge messages for the
return request response that was sent out, through the new configurations,
mappings and process flows, released for this functionality.

The topic related to this feature is given below:

Fednow Instant Clearing

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Installation and
Configuration
Notes
 Payments

Payments

Request To Pay » Manual Upload of Bulk RtP

Available from: 202208
To enable users to perform the manual upload of bulk RtP file through the
browser or API, copy the files listed below into the directory path which is
specified in XSD Dir field of EB.FILE.UPLOAD.TYPE with identifier
BULK.RTP.PAIN.013.

File Name File Extension File Location

pain.013.001.07 .xsd PP>XSDs>iso

EPC133-20_V2.0_DS01_pain.013.001.07 .xsd PP>XSDs>epc

QueueConfigInwardRTP .properties PP>XSDs

BULK.RTP.PAIN.013 .xslt PP>StyleSheet

.xslt file should have the same name as the identifier in

EB.FILE.UPLOAD.TYPE which is configured for upload of bulk RtP files. In case
a new identifier for EB.FILE.UPLOAD.TYPE is utilized for upload of bulk RtP
files, then rename the BULK.RTP.PAIN.013 file with the same name as that of
the new identifier.

Request To Pay » Manual Upload of Bulk RtP

Available from: 202304
Open the FCYDRAFT record of the PAYMENT.ORDER.PRODUCT application and
configure the Validate Api field as PPSWCQ.VALIDATE.API.FOR.FCYDRAFT.

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Technical Notes
 Payments

Payments
Request to Pay » Determining and Processing
In-house RtP Requests
Available from: 202205
If the user uses any third party software (for example, IIB) instead of Camel
(provided by Temenos) to extract the details from
IF.EVENTS.INTERFACE.TABLE, transform them and send out messages to
Clearing, the software should be modified to send messages to the respective
queues, if the InhouseRTP field is set to ‘Yes’ in RF.RTP.ORDER.

Request to Pay » Processing Pre-authorisation

for RtP Requests
Available from: 202206
Logic to the expiring RTP Mandate records (based on END.DATE) is added as
part of RTP Order expiry job. RF.RTP.ORDER.EXPIRY job expires both RTP
order and Mandate records.

Temenos Payments » Retention of Funds

Reservation for Payment Failing Posting
Available from: 202208
Reservation of funds retains if there is an issue in the posting layer.

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Payments Hub (PP) » Automatic Matching of

pacs.009 ADV and pacs.009 Core
Available from: 202304
Following are the technical changes in automatic matching of cover payments:
l New enrich API (PP.ENRICH.PACS009.COVER.API) must be attached as
enrich API in the record pacs.009 PP.MSGMAPPINGPARAMETER to update
the validation flag as COV for core pacs.009 messages when conditions for
automatic matching are satisfied.
l The system does not have any impact until this enrich API is attached in
PP.MSGMAPPINGPARAMETER

Payments Hub (PP) » Template Creation with

Extended Fields for MX Messages
Available from: 202304
PPT.OE.TEMPLATE has been enhanced to allow creation of templates with
extended fields for MX messages.
The fields of PPT.OE.TEMPLATE table have been aligned with the fields in
PP.ORDER.ENTRY table, so that any future extensions to the data model would
be catered automatically.
In order to correct the mismatch in the field positions of PPT.OE.TEMPLATE, the
following one-time conversion service needs to be executed.
Data records to be authorized for executing the service are as follows:

Table Data Records

PGM.FILE PPT.OE.TEMPLATE.CONVERSION

BATCH PPT.OE.TEMPLATE.CONVERSION

TSA.SERVICE PPT.OE.TEMPLATE.CONVERSION

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 Payments

Table Data Records

TSA.WORKLOAD.PROFILE PPT.OE.TEMPLATE.CONVERSION

BNK/PPT.OE.TEMPLATE.CONVERSION service runs only once to correct the

field position mismatch in the existing records of PPT.OE.TEMPLATE table.
At the end of the first run, the service updates the
'OE.TEMPLATE.CONVERSION.DONE' record of LOCKING table with the
content 'CONVERSION IS DONE'.
Post this update, clients can use the existing template records.

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Regulatory
Compliance
 Regulatory Compliance

Regulatory Compliance
Customer Data Protection » Erasure of Personal
Data from Transactions
Available from: 202205
As a data protection concept, personal data must not be held longer than lawfully
required and it must be possible to anonymise personal data when it is no longer
needed. This includes the data held within transactions.
The Transaction Anonymization Capabilities feature is introduced in the CZ
module to allow the data held within specific types of transactions to be
anonymised after bank-defined timeframes. Banks can configure the types of
transactions this applies to, with a different retention period set for each. An
erasure date is calculated after the eligible transaction types are processed
within the system and moved to the archive file (as part of the standard payment
lifecycle). After the erasure date is passed, the data held within the transaction is
anonymised.

The topics related to this feature are given below:

Introduction to Customer Data Protection Parameter
CZ.CDP.PURPOSE

Configuring Erasure Process

Transaction Erasure Process

IFRS9 Accounting » Reclassification of

Financial Assets
Available from: 202206

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Regulatory Compliance

Financial assets are reclassified when the classification of a financial asset

changes from one business model to another. When an entity recognises a
financial asset, it classifies the asset based on the entity’s business model for
managing the asset and its contractual cash flow characteristics.
Reclassification is allowed only if there is a change in the objective of the entity’s
business model for managing those financial assets. It is an exceptional case
and occurs mainly because of the management’s intention to manage the asset
differently.
This feature supports the accounting treatment of contracts with the new
business model prospectively as required under IFRS9. It allows banks to
account on reclassification of financial assets and measure contracts based on
the new business model prospectively.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Reclassification of Financial Assets
Accounting

IFRS9 Accounting » Accounting Treatment for

Contracts at Below-Market Rates
Available from: 202207
IFRS9 requires that all financial instruments (for example, loans) are initially
recognised at fair value. Normally the transaction price of a loan represents its
fair value. Loans made to related parties are often not on commercial terms and
hence the fair value of the loans is calculated and the difference between the fair
value and transaction price is accounted for separately under the financial
statements.
This functionality supports the measurement and treatment of loans made at

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below-market rates (BMR) of interest under the requirements of IFRS9. This

functionality provides users the ability to:
l Identify and flag contracts as Below Market Acct when they are made at
below-market rates of interest.
l Recognise the initial difference between fair value and transaction price
immediately to P&L on initial recognition for below-market rate contracts.
l Support IFRS9 impairment for below-market rate contracts.
l Support takeover, reclassification and modifications for below-market
contracts.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.
Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

Treatment of Below-Market Rate Loans
Accounting
Below Market Contract Details

Definition of Default Rules » Takeover of

Existing Contracts during Upgrade or Migration
Available from: 202208
When configuring the Definition of Default Rules functionality, the bank can use
the takeover process to handle the migration or upgradation of loan contracts and
overdraft accounts. This ensures that the contracts in the system are taken over
by the definition of rules functionality at par with the contracts.
To provide this functionality, Transact is enhanced with the new one-time service,
OX.OBLIGOR.UPDATE.DOD.DETS, which is a used to create records

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corresponding to the loan and overdraft accounts at the asset and obligor levels
that contain the details, such as exposure and past due amounts, days past due,
UTP indicators and default or performing status, if any. The ensuing Close of
Business (COB) activity considers these records and the data available in them,
created through the one-time service, and monitors the dpd count, utp details and
probation period as part of the definition of rules.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.
Click here to understand the installation and configuration updates for this
enhancement.

The topic related to this feature is given below:

Takeover of Existing Contracts

Customer Data Protection » Erasure of Data in

other Temenos Systems
Available from: 202209
Data Protection-related processing was available only in Temenos Transact.
With Temenos expanding its architecture, the functionalities for personal data
reporting and erasure have been extended to Infinity-based systems such as
micro-services and DBX.
This functionality allows banks to:
l Hold the central personal data definition of all applicable Temenos systems
within Temenos Transact.
l Control which systems to trigger erasure and reporting events to.
l Trigger personal data reports and erasure across the Temenos systems at
the appropriate time based on approved requests.
l Emit the Data protection-related events allowing each of the Temenos
systems to process the request and provide a response accordingly.

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The topics related to this feature are given below:

CDP Product
CZ.CDP.PRODUCT
Fields in CZ.CDP.DATA.DEFINITION
CZ.CUSTOMER.ACTIVITY.CAPTURE
Triggering Data Portability Reports of Data held in other
Temenos Systems
Erasing Data in other Temenos Systems

FATCA Reporting and FATCA Client

Identification » Defining the Threshold Amount
for Due Diligence and Reporting Financial
Accounts
Available from: 202211
There is no need to review and report the accounts opened for an individual
account holder after the FATCA effective date and with the account balances not
exceeding USD 50,000. However, this exemption is restricted to the balances of
depository accounts only and the custodial account balances must be reported
without any exemption.
The aggregate balance check functionality is enhanced to exclude the depository
account balances of new individual client types that do not exceed USD 50,000
from the aggregation process according to the FATCA regulation. The due
diligence procedure carried out to identify the US reportable accounts under
FATCA should apply this additional validation. This functionality allows banks to:
l Exempt depository account balances of new individual client types
l Modify the configuration to allow the exemption

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The topics related to this feature are given below:

FATCA.REPORTING.PARAMETER
Agg Bal Check
Balance Status

IFRS 9 Accounting » Including Collateral in ECL

Calculations
Available from: 202212
The formula used for Expected Credit Loss (ECL) calculations includes the
Probability of Default (PD)/Loss Given Default (LGD) values, which can be
uploaded from the PD/LGD model from Temenos Transact FRM or any local
PD/LGD model used by the bank. If the Loss Given Default (LGD) values used by
the bank do not consider the collateral in LGD valuation, then the banks can
apply collateral value directly in the ECL calculations.
IFRS9 is enhanced to support the collateral mitigation in ECL calculations by
including the collateral in the recoverable value, as ECL is calculated as the
difference in Exposure at Default (EAD) and Recoverable Value. Collateral can
now be included in ECL calculations through recoverable value when it is not
considered in the valuation of LGD. Users can also configure how they want
collateral to be considered in the ECL calculation.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topic related to this feature is given below:

Collateral in ECL

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FATCA Client Identification » Reporting

Balances in FATCA with AA Accounts for Joint
Owners
Available from: 202212
When two or more customers jointly hold an arrangement account, the entire
balance or value of the account is attributed to each holder of the account. The
FATCA reports of a customer now contains the account balances of all the joint
accounts when the relation level is set to account and the customer roles are
configured in FATCA.AGGREGATION.PARAMETER.

This functionality provides the following benefits:

l Banks can update the account balances in FATCA.AGGREGATE.BALANCE
based on the relation level opted in FATCA.AGGREGATION.PARAMETER.
The account balances from an arrangement account are considered in the
aggregate balances of the primary owner only and not in the aggregate
balances of the joint owners of the arrangement accounts.
l The user can configure and define the relation code based on the
RELATION record in FATCA.AGGREGATION.PARAMETER. This
configuration allows the user to define the parameter table with the
customer roles based on the AA.CUSTOMER.ROLES table, which is used in
the arrangement accounts.
l The FATCA aggregation service is now enhanced to include the account
balances from the arrangement accounts with joint ownerships reflected in
the records of the FATCA.AGGREGATE.BALANCES and FATCA.TAX.BASE
applications of the joint holders of the arrangement accounts, based on the
customer roles defined.

The topics related to this feature are given below:

Relation Code
Account-level Relationships with AA Customer Roles

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FATCA Client Identification/CRS Client

Identification » Processing FATCA and CRS as
a Real-time Service
Available from: 202212
Banks can run the RT.CREATE.REGULATORY.RECS service as a real time
service in auto mode to update the records in the customer supplementary info
tables for FATCA, CRS and QI customers. However, the ST.IDENTIFY.INDICIA
job is still needed as it is used by banks as a one- time service to create the FCSI
and CCSI for all customers in the database for the first time after installing the
product. The ST.UPDATE.INDICIA service is required to be continued to handle
HOLD.MAIL and STANDING.INSTRUCTION indicia calculation.

The topics related to this feature are given below:

Creating and Updating
FATCA.CUSTOMER.SUPPLEMENTARY.INFO based on
Indicia strength
Document Renewal or Closure of FATCA Documents
Configuring RT.REGULATORY.RULES
Automated Creation and Management of
CRS.CUST.SUPP.INFO

PSD2 Account Information » PSD2 User Agent

in UUX Technology
Available from: 202301
The existing PSD2 Account Information Service user agent functionality is now
built on a new Temenos UUX (Web Components) technology.

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The topic related to this feature is given below:

PSD2 User Agent

IFRS9 Accounting » Calculating ECL on EAD

using Outstanding Principal
Available from: 202303
The calculation of Expected Credit Loss (ECL) applies to all financial assets
measured under amortised cost or at fair value through other comprehensive
income. These assets may be loans, debt securities or trade receivables and can
vary from entity to entity depending on the nature of the business and the
products they provide.
This feature allows the Expected Credit Loss (ECL) to be calculated on Exposure
at Default (EAD) using Outstanding Principal Balance. Exposure at Default
(EAD) is the amount outstanding under a financial asset when a borrower
defaults.
The feature provides the ability to:
l Select the EAD model for ECL calculation
l Choose the method of including the past due for marginal EAD calculations
l Choose whether ECL discounting is required for 12-Month and lifetime
ECLs

The topic related to this feature is given below:

ECL on EAD using Outstanding Principal
Contracts with Defined Cashflows – Cashflow Method
IFRS.PARAMETER

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Financial Risk Management

Risk Reporting Dataset » FINREP Data Model

Extension in RRD
Available from: 202303
The Risk Reporting Dataset (RRD) module is enhanced with the addition of the
following features:
l Extended data coverage for Common Reporting (COREP), Financial
Reporting (FINREP) and Basel Committee on Banking Supervision (BCBS)
requirements for downstream third party Risk systems.
l Includes 50+ logically grouped APIs and 45+ out-of-box dataflows.
l Enhanced data model with flexible look-up classifications for Risk
requirement.
l Introduced out-of-box quick report for RRD - Data Dictionary.

The topic related to this feature is given below:

FINREP Data Model Extension in RRD

IFRS9 - PD/LGD Modelling » IFRS9 - PD/LGD

Modelling interface with Transact IFRS9
Available from: 202304
IFRS9 - PD/LGD Modelling module is enhanced with the following features:
l PD and LGD values calculated in FRM are now interfaced with Transact
IFRS9 module to calculate Expected Credit Loss (ECL).

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l Generate CSV files containing PD and LGD values at:

o Customer level
o Account level
o Product level

and upload it into IFRS9 module using EB. FILE.UPLOAD.

l Out-of-box datasets to preview and generate CSV files for PD and LGD
values.

The topic related to this feature is given below:

IFRS9 Interface

Market Risk Modelling » Vanilla Instrument

Pricing in Market Risk Modelling
Available from: 202304
The Market Risk Modelling module is enhanced with the following features:
l Out-of-box pricing and sensitivity analysis models for vanilla instruments.
l Option to simulate out-of-portfolio deal pricing and what-if analysis.
l Flexible portfolio structuring.
l Out-of-box visualizer to view portfolio valuation with deal-level drill down.

The topics related to this feature are given below:

Configuring Market Risk Modelling for Pricing
Defining Security Classification
Deal Price
Price Visualizer

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Installation and
Configuration
Notes
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Regulatory Compliance

IFRS9 Accounting » Accounting Treatment for

Contracts at Below-Market Rates
Available from: 202207
The following configuration is required to support the below-market treatment for
hybrid loan contracts in the Temenos Transact system:
l For hybrid accounting, the Hybrid Acct Type field in the
IFRS.ACCT.METHODS table must be set as Yes, with the Fairvalue and
Amortised values defined in the Acct Head Type fields.
l For migrated contracts from hybrid accounting to below-market treatment,
the bank must set the Hybrid Acct Type field to No and the Below Market
Acct field to Yes in IFRS.ACCT.METHODS. When the record in
IFRS.ACCT.METHODS is authorised, the system raises an override to run
the one-time service - IFRS.BELOW.MARKET.SERVICE.
l If the bank wishes to have ECL and impairment calculations for those
contracts migrating from hybrid to BMR, then the ECL accounting heads
(Amortised-Stage1, Amortised-Stage2) and impairment accounting heads
(Impair Amortised, Unwind, Impair Amc Adjust) must be defined in the
same record in IFRS.ACCT.METHODS.

Definition of Default Rules » Takeover of

Existing Contracts during Upgrade or Migration
Available from: 202208
The following configuration must be done to support the takeover of existing
contracts into the DOD functionality in Temenos Transact:
l Ensure the PV.DOD.PARAMETER, OX.OBLIGOR.PARAMETER and
PV.UTP.INDICATORS tables are setup before running the

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OX.OBLIGOR.UPDATE.DOD.DETS, upgrade job.

l The one-time OX.OBLIGOR.UPDATE.DOD.DETS CUS-level job must be
run during the upgrade for each customer-owned company to takeover the
contracts into the DOD functionality.

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Regulatory Compliance

IFRS9 Accounting » Reclassification of

Financial Assets
Available from: 202206
Only Temenos releases IAS.CLASSIFICATION records. Reclassify operation is
not permitted for existing system contracts which are of the AFS, LAR,HFT, HTM,
OL, FVPL,FVOCI,AMC classifications. Any modification of classification must be
performed prior to Rclassify operation.

IFRS9 Accounting » Accounting Treatment for

Contracts at Below-Market Rates
Available from: 202207
Following are the technical changes in the below-market treatment of loans:
l The below-market accounting treatment is supported only for the AMC
(Amortised Cost) business model.
l The Below Market Acct field value cannot be changed from Yes to No. That
is, the below-market rate (BMR) to the commercial movement of contracts
is not controlled by the configuration in IFRS.ACCT.METHODS.

Definition of Default Rules » Takeover of

Existing Contracts during Upgrade or Migration
Available from: 202208
Following are the technical aspects to be considered, when the bank wishes to
develop a java class to return the DoD-related details from the external system to
Temenos Transact during takeover:

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l Attach a hook routine in the Dod Info Api field in the PV.DOD.PARAMETER
table to return either DPD and UTP details or probation details for an
obligor.
l Values returned from the hook routine to the Utp Indicator field in the
PV.DOD.CUSTOMER.DETS table, should have a valid entry in the
PV.UTP.INDICATORS table, else the handed off Utp Indicator does not get
updated in the PV.DOD.CUSTOMER.DETS table.

IFRS 9 Accounting » Including Collateral in ECL

Calculations
Available from: 202212
When collateral is considered for ECL calculations, the Recoverable Val Option
field in IFRS.PARAMETER can be configured with the following options to include
the collateral as part of the recoverable value during ECL calculations.
l Coll In Lgd - is the default option, in which the collateral is considered
during LGD (Loss Given Default) valuation.
l Unsec Exp Cf Coll and Exp Cf Coll options - explicitly considers the
collateral amount as part of the recoverable value. Either the system
computes this collateral amount automatically by referring to the ECB or the
user can attach a Jbase routine or a Java hook to the Collateral info field in
IFRS.PARAMETER to return the collateral value.

The IFRS.PARAMETER.COLLATERAL.INFO.HOOK record in EB.API defines

the hook interface for the java method defined by the user.
Based on the jbase routine or Java method attached by the user, the below
arguments for jbase routine and Java method,

Jbase routine arguments Java method arguments

No of Argument No of Argument
Argument Argument
Args Type Args Type

1 Input ContractId 1 Input ContractId

contractBalancesRecor
2 Input EcbRec 2 Input
d

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3 Input ReservedIn1 3 Input CollateralContext

4 Output CollateralAmt 4 Output CollateralDetails

5 Output Error

6 Output ReservedOut2

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Temenos Infinity
 Temenos Infinity

Digital Banking
Digital Banking Servicing Micro Apps
Available from: 202207
Micro Apps are applications with specific functionality which are fast and efficient
than monolithic applications. While traditional monolithic apps contain a wide
range of functionality including front-end and back-end operations, Micro Apps
are simple, lightweight in nature with targeted functionality.
Wealth
l Allocation carousal updated with Value and Weightage by Asset, Sector,
Region, and Currency. The Allocation carousal will be available with
Wealth FO integration.
l Ex-Ante fees are displayed while placing an order in Infinity, which includes
Safekeep, advisory, and Inducement fees with Transact integration.
l The Portfolio Health Check section displays the portfolio's overall health,
taking into account parameters like Risk Analysis, Investment Constraints,
Recommended Instruments, and Asset Allocation (mock integration).
l The investment Proposal section displays the new investment proposals
and the past proposals available for an advisory portfolio (mock
integration).
l Risk analysis of the advisory portfolio along with Risk, Risk objective, and
Tolerance margin is available (mock integration).
l Investment constraints for the advisory portfolio are available (mock
integration).
l Recommended Instruments for the advisory portfolio are available (mock
integration).
l Asset Allocation with multiple layers along with Currency weight and
Strategy weight are available (mock integration).

Transfers Micro App

The Unified Transfer MA, Regional Transfer MA, and Digital Transfer MA are
unified as a single Visualizer Micro App called Transfers Micro App.

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Home Page Micro App

l Mortgage Facilities: A new account type and account group called
Mortgage Facilities is introduced on the dashboard (only OLB responsive).
l A mortgage facility is a line of credit provided to customers, enabling
them to purchase a property.
l A user can have one or more mortgage facilities.
l The info on the mortgage facility is retrieved from Transact.
l A new runtime configuration is introduced in Fabric which determines the
backend for Arrangement Fabric Micro App and consequently for
Homepage and Arrangements Visualizer Micro Apps.
l If the configuration value is set as Transact, then the list of accounts
and balances is fetched from Transact.
l If the configuration value is set as MS, then the list of accounts and
balances is fetched from Arrangement MS and Holdings MS except
for mortgage facilities, for which the data is retrieved from Transact
only.

Arrangements Micro App

l For each mortgage facility, the application displays the facility overview
screen (only OLB responsive)
l On this facility overview screen, the application shows the following
information:
l The balances related information like outstanding balance, committed
amount, utilized amount, and total amount paid.
l Collateral address and the effective and maturity dates.
l Account info like account number and holders of the facility.
l On the facility overview screen, the application displays the list of loans
taken under the facility. For each loan, the application displays the utilized
amount and the remaining amount.
l All the data are retrieved from Transact.
l When a user selects a loan, the application displays the loan overview
screen.

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l The loan overview screen displays the following information:

l Amounts like the next payment amount, utilized amount, and
outstanding balance.
l Count of paid, overdue, and future installments.
l Other info like interest paid, payment frequency, and approved loan
amount.
l List of transactions on the loan account.
l Loan schedule
l For each mortgage facility, the application provides the option to view the
list of documents related to the facility.
l The entry points for this View Documents screen (for a mortgage facility)
are:
l From the contextual menu for a facility on the accounts overview
page,
l Quick link on the facility overview screen.
l On the View Documents screen, users can also download the documents
to their system. In addition, users can use the search bar to search for a
document. The search criterion is the file name.
l A new runtime configuration is introduced in Fabric, which will determine
the backend for Arrangement Fabric Micro App and consequently for
Homepage and Arrangements Visualizer Micro Apps.
l If this value is set as Transact, then the account details (balances,
interest information) and transactions list are fetched from Transact.
l If this value is set as MS, then the account details (balances, interest
information) and Transactions list are fetched from AMS and HMS
except for mortgage facilities, for which the data is retrieved from
Transact only.

Trade Finance Micro App

Guarantee Issuance Request
l Corporate customers can place a request to issue a new Letter of
Guarantee (LG) using their online business banking application. The
customer saves time and a faster delivery is supported by giving the
customer the option to apply for a Letter of Guarantee using the online
banking platform.

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l A corporate user can create a new Guarantee by manually entering all the
details needed for the new request.
l A corporate user can create a new Guarantee request by reusing/copying
the details from an existing approved record. The user has the option to
view the previous approved Guarantees and select a record that can be
used for the new request. Upon selection, the new Guarantee request is
populated with the details from the previous record.
l While initiating the Guarantee issuance request, a corporate user can
upload supporting documents.
l A corporate user can save a new Guarantee request as a draft.
l A corporate user can submit the new Guarantee request for approval by the
corporate or by the bank.

Guarantees Issued - Listing

l A corporate user can view the limit overview for the Issued Letters of
Guarantees (LGs).
l A corporate user can view a list with details and statuses of all the Letters of
Guarantees - issued and drafts.
l A corporate user can filter the Issued Letters of Guarantees and search for
a specific record. The user can also use different criteria for filtering the list.
An option to clear all filters is also available.
l A corporate user can select a specific Guarantee record and view its
details.
l A corporate user can know if a Guarantee request was returned by the
bank through message notification from the bank.
l A corporate user can view the messages received from the bank and
respond with further clarifications as per the bank’s query.
l A corporate user can download and print in a SWIFT format the issued
Guarantees/Standby LCs and the draft records. The downloaded PDF
follows the SWIFT format.

Guarantees Issued - Amendments

l A corporate user can select an approved Issued Letters of Guarantee
record and amend it using the online business banking application.
l The enhancement manages the entire workflow of amendment to an
Issued Bank Guarantee. This is based on the request received online from

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the corporate client with ongoing interactions, communications, and

authorizations until the Guarantee is amended.
l A corporate user can submit the amendment request for approval by the
corporate authorizer or by the bank.
l A corporate user can view the details and statuses of all the Guarantee
Amendment records. The Guarantee amendment records are displayed as
a list.
l A corporate user can filter the Guarantees Amendment records and search
for a specific record. The user can also use different criteria for filtering the
list. An option to clear all filters is also available.
l A corporate user knows if a message from the bank exists in relation to a
request for amending a Bank Guarantee. The user can view the messages
received from the bank and respond with further clarifications as per the
bank’s query.
l A corporate user can download the electronic copy of the guarantee
amendment in PDF format.

RTL Support for Micro Apps

The application supports Right to Left (RTL) alignment support for Arabic
languages in the following Micro Apps:

Authentication Homepage Arrangements

Cards FinanceManagement AccAggregation

ForeignExchange BulkPayments BillPay

Transfers ConsentMgmt ManageArrangements

AboutUs Campaign ManageProfile

SecureMessage AlertSettings ApprovalMatrix

ApprovalRequest UserManagement SelfServiceEnrolment

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The topic related to this feature is given below:

Digital Banking Servicing Micro Apps

Available from: 202210

The following features have been introduced in Digital Banking Servicing Micro
Apps:
Wealth
l My Strategy feature displays the scope of designing the strategy for the first
time and altering the current investment strategy.
l Recommended strategy functionality displays the strategy recommended
by the bank based on the answers submitted by the customer.
l My strategy functionality displays the alternative strategies available for the
customer to choose.
l The suitability profile allows the customer to answer the questionnaire so
the bank can recommend a strategy.
l Strategy allocation allows the customer to modify the investment needs
based on different parameters (Asset class, sector, region, and more).
l The application supports Multi Entity, where the application displays to the
customer only the portfolio details of the customer from the respective
entity.

Arrangements Micro App

l Capture servicing request for mortgage facility from the channel app with
middle office approval via Infinity Assist app for the following requests:
l Change Repayment Day
l Change Repayment Account
l View the mortgage servicing request history on the Service Request
dashboard for the following requests:
l Change Repayment Day
l Change Repayment Account

Manage Profile Micro App

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Capture the Change of Primary Address servicing request from channel app.
Trade Finance Micro App
Handling of Claims Received for Guarantee/SBLC issued
l Claims received for the Issued Guarantee/SBLC are recorded by the bank
and sent for Acceptance by the Corporate User.
l The Corporate user can View the record and Accept/Reject the claim with
appropriate reason.
l Introduced Settlement of Claims with various payment methods like from
Account/Overdraft.
l Search, Sort, and Filter functions for Guarantee Claims received in the
Overview screen.

Guarantee Received

l A corporate user can access the guarantee/SBLC received.

l A corporate user can view the record and Accept/Reject the Inward
Guarantee with appropriate reason.
l Introduced new dashboards for the Received Guarantees with Multi-
Currency split filter with Statuses count in Display.
l Search, Sort, and Filter functions for Guarantee Received in the Overview
screen.

Guarantee Amendments Received

l A corporate user can access the guarantee/SBLC Amendments received.

l A corporate user can view and Accept/Reject the Inward Guarantee
Amendments with appropriate reason.
l Introduced new dashboards for the Received Guarantees Amendments
with Multi-Currency split filter with Statuses count in Display.
l Search, Sort, and Filter functions for Guarantee/SBLC Amendments
received in the Overview screen.

Inward Collections
l The Documentary Collections Received is available for corporate users.
l A corporate user can view the Record and Accept/Reject the Inward
Collections with appropriate reason.

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l Introduced new dashboards for the Inward Collections with Tenor and
Amount Graphs and Statuses count in Display.
l Search, Sort, and Filter functions for Inward Collections received in the
Overview Screen.
l A corporate user can view the Date Countdown for an Inward Record.
l The application supports Payment Initiation for Inward Records.

Inward Collection Amendments

l The Documentary Collections Received Amendments are available for
corporate users.
l A corporate user can view the Record and Accept/Reject the Inward
Collection Amendments with appropriate reason.
l Introduced new dashboards for the Inward Collections Amendments with
Tenor and Amount Graphs Statuses count in Display.
l Search, Sort, and Filter functions for Inward Collections Amendments
received in the Overview screen.

Multi Entity Support

Customers can view the dashboard, perform transfers, or any request summary
and submit requests against the entity associated with the customer during login.
The feature is enhanced with Experience APIs to retrieve and post based on the
Entity ID of the signed-in user. The feature supports the following modules:

Authentication Dashboard Account Overview

Credit Card overview Cheque Management Card Management

Statements Dispute Transactions Service Requests

PFM Savings Pot Account Settings

Sign In Settings Profile Settings Consent Management

Unified Transfers Manage Transfers Manage Beneficiaries

Bulk Payments Bill Payments Foreign Exchange

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The topic related to this feature is given below:

Digital Banking Servicing Micro Apps

Available from: 202301

The following features have been introduced in Digital Banking Servicing Micro
Apps:
Wealth
l The suitability profile provides the customer to answer the questionnaire so
that the bank can recommend a strategy based on the answers provided.
l To define Individual strategies by allowing the customer to customize / build
the weightage in each asset segment to maximize returns for the portfolio.
l Search for an instrument and aid in dynamically adding / removing the
instrument from the Watchlist screen.
l Placeholder to set / modify price alerts for instruments added to the
watchlist.
l Support downloading of reports in different reporting formats like pdf, xls,
and csv.
l Support Multi Entity access for a single Infinity user at the time of login to
Internet Banking along with the feature to set a default entity.

Payments

l Mortgage Partial Repayment provides the user with Partially Repay for a
Loan in a Facility.
l This Feature supports current dated and Scheduled (Future Dated
Repayment).
l Supports Simulation for Repayment by means of Reduction in Tenure or
Installment.
l Integration
l Reduction in Tenure is Integrated with Mock and Transact.
l Reduction in Installment is Integrated with Mock.

l Supports Download for the simulation which is been completed.

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l Supports Download in Acknowledgement screen for the Repayment Made.

l This Feature Captures the completed Repayment in Transfer Activities.
l This Feature also Supports Limit Management and Multi-Entity.
l This Feature is Integrated with SRMS, Consent MS, and Document MS.
l Captures Audit Logs for the Repayment in Spotlight.

Arrangements Micro App

Arrangements / Home page Micro App
Multi-Entity
l Multi-Entity: Entity selection post login allows the user to select Entity to
access across the applicable Multi-Entities for the customer with a unique
username / password.
l This feature also allows user to set a default entity post login so that user
will be rendered with the default selected entity’s dashboard on subsequent
logins.
l Supports Entity switching option across all modules on Self servicing
channel apps.

Manage Profile Micro App

l Entity preference: Allows user to set/ change the already set Default entity
across applicable Multi-Entities.
l Disable E-banking access: Allows user to disable the entities from
applicable Multi-Entities and while doing so, relevant flow to set the Default
entity also being supported.

Account sweeps Micro App

l This feature supports current dated/ future dated sweeps as well.
l Allows the user to set up a sweep instruction between 2 accounts / edit and
delete a set-up sweep instruction.
l Sweeps integrated with Mock.
l Facilitate sweep creation / edit / delete in the Service request dashboard.

Account Closure Request with Zero Balance

l Allows users to initiate closure of zero balance savings and current
accounts.
l Facilitate closure requests to be shown in the Service request dashboard.

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l Account closure integrated with Mock.

l Facilitate users with Alerts / email acknowledgment on account closure
fulfillment status.

Trade Finance Micro App

Outward Collections
l The Documentary Collections Initiation is now available for the corporate
user.
l The Corporate user can create Outward Collections with appropriate
reason.
l New Dashboards for the Outward Collections with Tenor and Amount
Graphs along with Statuses count in Display.
l Search, Sort Filter functions for Inward Collections received in the
Overview Screen.
l The Corporate User can initiate Outward Collections with all required fields
and with Upload Document Support.
l Payment Settlement for the Outward Record is supported.

Outward Collection Amendments

l The Documentary Collections Initiation Amendments are now available for
the corporate user.
l The Corporate user can View the Record and Accept / Reject the Outward
Collection Amendments with appropriate reason.
l New Dashboards for the Outward Collections Amendments with Tenor and
Amount Graphs Statuses count in Display.
l Search, Sort Filter functions for Outward Collections Amendments received
in the Overview Screen.
l The Corporate User can initiate Outward Collections with all required fields
and with Upload Document Support.

Trade Finance Dashboards

l As part of the Trade Finance capability feature enhancement, the
Corporate User can able to see the overview of the trade finance
instruments offerings.
l Along with other information with helps the corporate user with operational
data and some analytical charts.

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l The graphical representation of the data will display the data of the Trade
Finance products such as Letter of Credits, Bank Guarantees, and
Collections in a sequential manner i.e. with the due dates, overdue, limit
utilized, etc. in a Single Page View.
l The Corporate user can able to view the entire trade finance products in a
single page view and provide the analytical details of the trade products
and other utilities.
l The Corporate user can able to see the “Need Attention ” the immediate
action that is required by the Corporate user to Process the Trade Finance
Products.
l The Corporate user can able to view the Amount Receivables for a
particular day or for a specific period of time for All receivable Instruments
such as Export LC, Received Guarantee, and Outward Collections.
l The Corporate user can able to view the Amount Payables for a particular
day or for a specific period of time for All Payable Instruments such as
Import LC, Issued Guarantee, and Inward Collections.

Trade Finance Messages and Alerts

l The Trade Finance business capabilities will be included in the Infinity
Business Banking solution.
l The Corporate user can able to access the Trade Finance messages within
his online banking solution.
l This is the secure channel of communication to send / receive secure
messages to and from your banker to solve their queries instantly inside
Trade Finance products capability.
l It was app-specific and provides real-time interaction with the bank user.
l This messaging feature consists of features like composing new
messages, replying to messages from the banker, attaching files with the
message, and viewing and deleting the messages. Alerts are global
messages that get triggered for different scenarios.
l The Corporate user can perform features like view, search, and dismiss
alerts.

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The topic related to this feature is given below:

Digital Banking Servicing Micro Apps

Available from: 202303

The following features have been introduced in Digital Banking Servicing Micro
Apps:
External User Management Micro App
Account Closure - User Management
l Accounts closed from the channel app post successful closure will not be
shown as part of “Account access and roles” or “Edit Advanced
permissions” when the customer view permissions for a selected user and
user roles.
l In case of all accounts being closed in a contract, the respective contract
should not be part of the “Account Access and roles,” “Account level feature
permissions,” “Other feature and permissions,” or “Transaction limits” when
the customer view permissions for a selected user and user roles.
l Closed accounts will not be shown on custom role creation and user
creation in “Account access and roles,” “Edit advanced permissions,” and
“Account level features and permissions.”
l In case of all accounts are closed in a contract, the customer should not be
able to view / select the contract to create a role and user.
l For a user with a single contract with a single account is closed, the user
details will not be displayed under “All users.”
l For all accounts in a single contract that have been closed, the relevant role
under “User roles” will not be displayed.

The topic related to this feature is given below:

Digital Banking Servicing Micro Apps

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Available from: 202304

The following features have been introduced in Digital Banking Servicing Micro
Apps:

Wealth

l Infinity is integrated with Wealth FO for Advisory Portfolio features.

l Technical Switch - A unique bearer token per customer is sent for
customers that are being enrolled in Infinity. This would strengthen the
security in integration between Infinity and TAP.

Bulk Payments

l Bulk Payments-Strategic Enhancements involved the development on the

Gaps identified during Euro Bank SIT testing. Below items are addressed in
Bulk Payments journey.
l Special Characters Validation in Payment Reference field.
l Sorting for Recipient Name, Amount, Fees Paid By will happen within
the sub headers for Same Bank, Domestic and International
Beneficiary.
l In Multiprocessing mode, after the template creation whatever the
currency provided by Beneficiary will be displayed during the edit
flows.
l User will be able to see the data points same as that when he clicks
on download icon in the Payment status tab, Payment History tab,
Approval (Pending & History Dashboard), Request (Pending &
History Dashboard).
l Introduced View Details Button, even when the user payment is in
“Uploaded” for the purpose of refresh.
l Suppressed the Upload ID value in Bulk Reference ID when the
record status is Uploaded, Extracting Payments or Extraction Failed.
l Removal of currency symbol in Payment status, Payment History,
Approval & Request Dashboards. Total Amount field is renamed to
Batch Amount.

Trade Finance Micro App

Receivable Financing – Single Application

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l Receivable Financing – Single Application

l The Receivable Financing Single Application is now available for corporate
user.
l The Corporate user can create Single Application with appropriate need.
l New Dashboards for the Single Application with receivable type (bill&
batch) and Amount Graphs along with Statuses count in Display.
l Added Search, Sort, Filter functions for Single application in the Overview
Screen.
l The Corporate User can initiate Single Application both manually and by
CSV upload with all required field data along with Upload Document facility.
l The Corporate User Can Print/Download the individual or list of bills
l The Corporate User can raise a query & receive notification and alerts for
receivable financing single application.

The topic related to this feature is given below:

Digital Banking Servicing Micro Apps

Infinity Spotlight
Available from: 202207
Spotlight application is used to set up and maintain customer and employee-
related information and to configure the behavior of digital banking applications
associated with this information.
Inheritance of Feature and Action to the contracts and users when a Feature and
Action is added at the Service Definition level.

The topic related to this feature is given below:

Infinity Spotlight

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Available from: 202210

The following features have been introduced in Infinity Spotlight:
l Multi-Entity framework is introduced and enhanced for a system with multi-
entity set up in the following modules/features:
l Employee Management - Roles and Users
l A bank staff/internal user can be given access to
permissions/features and actions to more than one entity based
on the role.
l A Role Name is common across the entities, and the
permissions/customer access is separate per entity.
l Customer Management - Customer: A customer can be searched
from a specific entity and enrolled into the digital profile.
l Customer Management - Contracts: A contract is created for
customers specific to an entity
l Customer Management - Services: The service definitions are
created specific to an entity.
l Customer Management - Customer Roles: The customer roles are
created specific to an entity.
l Features Master Data Management: The features can be defined
specific to an entity using database scripts and not via UI.
l For the features that are not enhanced for multi-entity, like Alert
Definitions, Secure Messages, Configurations, etc., access to a
permission/feature and action for the internal user is given if the role
has permission in at least one entity.
l Customer Search: The customer search feature is integrated with Party
MS.

The topic related to this feature is given below:

Infinity Spotlight

Available from: 202301

The following features have been introduced in Infinity Spotlight:

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Multi-Entity
l Contract Management - A user from one entity can be added to a
contract of another entity.
l Customer Management - Support for digital users to be able to be
having customer ids / accounts in multiple entities.

l Integrate with Organisational Reference Data MS

l The Entity definitions are to be fetched from the Organisational
Reference Data MS when Infinity is to be set up for multi-entity.

l Fixed Customer Activity logs Customer search which had to be hidden in

202210 due to an issue.
l Conversion Utility Tool to convert the data from non-multi-entity (older
versions) to multi-entity (202210 or 202301).
l Online Banking application (OLB / MB)
l User Management (Online Banking application) - Search the user of
one entity to add to a contract of another entity.
l Self-Enrollment Through Online Banking application.
l Self Enroll for Retail / Business banking from OLB and customer
details to be fetched from party MS.

Unit Usage and Billing

Capturing the number of active external and internal users for Infinity Billing and
Licensing integrating with Metering MS.

The topic related to this feature is given below:

Infinity Spotlight

Available from: 202304

The following features have been introduced in Infinity Spotlight:
Multi-Entity
l
l Alerts Configuration in Spotlight - The capability to define alert groups
under a selected category which will be multi-entity enabled and add
corresponding alerts for the associated alert Group.

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l
l Migration Utility for Alerts - Convert the non-multi-entity data to multi-entity
in DBXDB / Microservices.
l
l Introduction of New Actions - New Action: Add user to another entity.
l
l Multi-entity enabled Alerts Framework.

Online Banking application (OLB / MB)

l Alerts Settings - Ability to edit, enable /disable a particular alert in a specific
legal entity.

The topic related to this feature is given below:

Spotlight

Infinity Origination
Available from: 202207
Enables banks and credit union members to open deposit accounts with a
seamless process across multiple channels and submit retail and business loan
requests quickly.
Retail Origination
l Evidence Management - Evidence Microservices Consumption
l Evidence Submission (Origination App)
l Tagging Re-usability and expiry to evidence documents (Assist App).
l Evidence Verification (Assist app)
l Origination of an application by an existing customer and reusing the
evidence already submitted (if not expired).
l Mortgage Loan (First Time Buyer) - Multi-Part - APIs Simulation (Pre
Submission - Origination), Offer Creation and Fulfilment (Post Submission -
Assist): Creation of Collateral and Collateral Rights in Transact, linking
collateral ID to Collateral Right.
l Introduced Digital Origination of Re-mortgage Loans (End to End Flow) –
Front to Back – covers the following features:

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l Changes in the Origination Dashboard to show new Purpose – Re-

mortgage (Origination App).
l Introduction of new screen Re-mortgage Details (Origination and
Assist App).
l Enhancements in Property Details Screen (Origination and Assist
App).
l Enhancements in Funding Position Screen (Origination and Assist
App).
l Enhancements in Mortgage Composition (Origination and Assist
App).
l Post Submission Workflow (with Stages/Tasks/rules) for Re-
mortgage (Assist App).
l Fulfillment for Arrangement creation, collateral creation, customer
creation in Transact for Re-mortgage Loan.
l Mortgage/Re-mortgage Loan – Exception Flows - Offer Reject/Expiry
l Rejection of AIP/Offer Letter with a reason for denial.
l Renegotiation of Offer
l Retriggering Simulation
l Generation of revised AIP/Offer Letter.
l Enhancement in Mortgage Loan (First Time Buyer) to support Problem
Loan Management (Non-STP).
l Enhancement in Mortgage Loan (First Time Buyer) to support Automated
Lending (STP).

SME Origination
l Infinity SME Origination Application
l Multiple Related Companies: Added multiple related companies that
support applications (all products) where a user can add multiple
associated companies to the application.
l Document Checklist enhancements.
l Back-office Application (Infinity Assist App) for Bank Users
l Enhancements in the Parties section in Entity, Facility, and Request
Overview screens.

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l Enhancements in the Bank Accounts section in Business Entity

Overview for SME Account Origination journeys.
l Add Contact feature is available for non-verified parties.

The topics related to this feature are given below:

Retail Origination
SME Origination

Available from: 202210

The following features have been introduced in Infinity Origination:
Retail Origination
l Infinity Origination App
l Auth ID: Replaced existing third-party provider Authentic ID and
newly integrated with third-party provider Auth ID for same features
such as selfi scan, ID proof scan, verification of image in selfi with
photo in the ID proof, and pre-fill the scanned details in the form.
l Integrated with Journey Analytics (JA)
l Purpose-built behavioral analytics module that provides
additional extensive analytics on applications hosted on the
Temenos Journey Platform.
l This includes analyzing configured (via Spotlight) user journeys
for data analytics and applies to onboarding and lending
applications in Retail and SME segments.
l The JA helps to analyze data based on the journey (product
based like lending, savings account, mortgage account, etc.)
covering standard milestones (like the number of opened,
started, saved but not submitted, submitted, completed, or
resumed applications) for Onboarding - Accounts and Lending
Products. JA also supports Custom Milestone, Segments, and
Field Analysis/Drop Off.
l The JA helps to analyze data based on the segment, like
customer type, customer state, or the product selected.

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l The JA also helps to analyze data based on the device used to

originate the application by using specific field level analysis like
validation errors in the journey, activities done, the average time
taken for application completion, completed percentage versus
in-progress, dropping from the journey, etc.).
l XAI Optimizer: Integration of mortgage composition to XAI to get a
better product suggestion experience based on maximum initial
deposit/own contribution, repayment amount, type of Mortgage, etc.
l Invite Co-applicant (Prospect Customer)
l Invite co-applicants for an existing customer was introduced in a
previous release. In this release, the invite feature is also
extended for prospect customers.
l The main applicant, when adding a prospect co-applicant, can
choose to capture co-applicant details by self (on-behalf of the
co-applicant customer) or can choose to capture basic co-
applicant prospect detail and send an invite to the prospect,
who can then login with the temporary password, accept the
invite, and proceed to capture details and submit the invite.

l Infinity Assist application

l Introduced the Mortgage Simulation feature in the Infinity Assist
application.
l Using the simulation screen, bank users can perform simulations on
behalf of the customer. The bank user can change mortgage loan
composition details like increase/decrease part, amount, term,
mortgage type, etc., and generate a new repayment schedule once
the customer accepts the changes offline. After the loan is approved
for the latest mortgage structure, an offer letter is sent to the customer
with the new mortgage structure.

The topics related to this feature are given below:

Retail Origination
SME Origination

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Available from: 202301

The following features have been introduced in Infinity Origination:
Retail Origination
Infinity Origination App
l Through the Bridge Loan-related EPICs listed, we introduce a new product
called Bridge Loan and the respective changes in Origination and Assist to
process a Bridge Loan application.
l Following are the features that are brought in Origination:
l Bridge loan-related purpose capturing at the product dashboard
screen.
l Connected Application capture in the consent page.
l Bridge Loan Information capture.
l Property screen - listing of existing collaterals of the same customer.
l Documents related to Bridge Loan are mapped.
l Changes in the summary screen to populate the Bridge Loan-related
details.

Infinity Assist Application

l Through the Bridge Loan-related EPICs listed, we introduce a new product
called Bridge Loan and the respective changes in Origination and Assist to
process a Bridge Loan application.
l Following are the features that are brought in Assist:
l Connected Loans section in Request Overview.
l Bridge Loan Information Screen.
l Changes in the collateral screen to accommodate the respective
bridge loan-related features.
l Documents checklist mapping related to Bridge Loan.

The topics related to this feature are given below:

Retail Origination
SME Origination

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Corporate Origination (Infinity Assist)

Available from: 202207
Provides banks the ability to onboard corporate lending entities and originate
retail, SME, and corporate credit facilities on a digital-focused platform for the
lending market.
l Enhancements to Request Dashboard
l The view all section of the request dashboard shows all the requests
instead of showing only the draft initially.
l Relevant filters are added in the view all section of the request
dashboard for users to query the requests as per stage, deal amount
range, created date, etc.
l A sorting feature is provided for all the columns on the request
dashboard.
l Enhancements to Task Dashboard and Adhoc tasks
l The task record design is enhanced, and the Primary ID of the task
will always be the request ID. On clicking the accordion, the app will
display the secondary details of the task highlighting whether it is a
request, facility, entity, or a collateral related task.
l Additional filter parameters in the task dashboard like filter with
Priority.
l Default Sorting for My tasks section is based on the assigned date.
l Default Sorting for My queues section is based on the created date.
l Sorting of tasks can be done based on the due date.
l Design changes are made to the sticky footer of a task. Users can get
redirected to the task dashboard via the sticky footer.
l Tasks now capture three dates – created, assigned, and task
completed. Earlier, the assigned date was not captured separately.
l Single Entity Exposures
l Exposure feature added in the Request and Entity Overview. Users
can fetch the exposure of all the parties involved in the request.
l Integration with Transact to fetch the facilities of an Entity to calculate
the total exposure.

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l Apart from the facilities fetched from Transact and facilities pending in
Origination, users can add adjustments and external commitments to
get a holistic view of the total potential exposure of the entity.
l Tasks for exposure are configured in workflow in credit packaging to
ensure that exposure for all the parties of the request is fetched and
reviewed.
l Document Checklist (DMN rules) for the corporate journey: DMN rules are
configured for documents that are to be required for the new Facility and
Amendment flows.
l Other Enhancements
l Modification agreement document for add party/collateral and release
party/collateral will be generated with the relevant details.
l Standardized blank field values in the entire application, any empty
field will show as "-"
l Validation added in Funding section. A user cannot add past dates
now.
l Fields for view entity made standardized at all places for individuals
and businesses, which was not the case earlier.
l Sector field mapping with Party MS in Entity Overview changed.
l Connected entities should be a two-way connection (If A and B are
connected, in both the overviews, the linkage should display, but it
was shown only in A’s overview).
l Pricing - Rate lock date and Rate expiry date are made non-
mandatory.
l Add instructions - Deposit Funding details as a type of Instruction
have been removed.

The topic related to this feature is given below:

Corporate Origination (Infinity Assist)

Available from: 202210

The following features have been introduced in Corporate Origination:

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l Creation of Corporate Deals in Infinity Assist

l Enhancements in Credit Request Onboarding to support the creation
of deal requests.
l Enhancements in Request Dashboard to support deals.
l Enhancements in Request Overview and Facility Overview to support
deals.
l Creation of a new workflow to support deal workflow.
l Integration with Transact for creating a deal arrangement.
l Others
l Users can claim multiple tasks from queues at once.
l Policy exceptions added in Facility Overview.
l Bug fixes spillover from previous releases.

The topic related to this feature is given below:

Corporate Origination (Infinity Assist)

Customer Data Protection (CDP)

Available from: 202207
Temenos supports Customer Data Protection (CDP) functionality across Infinity
products.
The CDP feature applies to the following types of individuals (actors) within
Infinity:
l Prospects (New to Bank Customers): The personally identifiable
information (PII) data is within Infinity only.
l Verified Prospects: The PII data is persisted in Infinity and Transact.
l Customers: The PII data is persisted in Infinity and Transact.

The following CDP requests support all three actors' PII data stored within Infinity
products:

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l Right to Access (also known as Subject Access Report - SAR) and Data
Portability (DP) requests.
l Right to Erasure/Right to be Forgotten requests.

An extension of current automated support that is available within Transact:

l For Prospects, these CDP requests are currently supported by Infinity apps
– Origination and Spotlight.
l Temenos Cross Product solution triggered by the bank's core – Verified
Prospects and Customers.

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Microservices
Origination Processing
Available from: 202207
Origination Processing is a financial service that is offered to corporates in the
context of corporate financing and raise capital. This Microservice supports the
following functions during the journey of the corporate origination by persisting
the data.
l Account: Introduced new APIs to create, update, get, and delete.
l Adjustment: Introduced new APIs to update and delete.
l ExternalCommitment: Introduced new APIs to update, get, and delete.
l Reference data changes in all the stacks.
l Helm upgrade - Zero Downtime changes.
l Added expiryDate, appevidenceId, and reusable fields to documents.
l Updated UI_taskchecklist reference data.

The topic related to this feature is given below:

Origination Processing

Available from: 202210

The key features include:
l Deal creation changes.
l Introduced FactFind API.
l K8 Helm pack improvements.
l AWS URI changes for ADO Pipeline.

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The topic related to this feature is given below:

Origination Processing

Document Storage
Available from: 202207
Document Storage Microservice provides the virus-free documents hosting
capability for Infinity and core banking system.
l Evidence Management APIs
l Added evidence expiry scheduler to Docker, K8s, AKS, and EKS.
l ResolveImpl for five entities.
l Removed volumes declaration from all the stacks.

The topic related to this feature is given below:

Document Storage

Available from: 202210

The key features include:
l Introduced KafkaSSL to enable secure way of connection to Kafka.
l Added cpurequest and cpulimit to control resources used by MS.
l Added support for PostgreSQL Database.
l Disabled Auth in Ingester component for GDPR event flow.
l Added L3 Connector to support for customer specific DMS.
l Added support for Oracle Database.
l Improvement to K8 Helm image sizes.
l MetaData changes for AWS support.
l Fixed an issue related to AWS Automation to remove use database
commands.

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The topic related to this feature is given below:

Document Storage

Available from: 202301

The key features include:
l Introduced Multi-Entity feature in Document MS.
l Introduced Data Upgradability feature with appinit container to auto
upgrade the database.
l Implemented MSF changes to reduce the size of packages by reducing
image sizes.

The topic related to this feature is given below:

Document Storage

Available from: 202303

The key features include:
l Consumed latest 202303.0.1 MSF version.

The topic related to this feature is given below:

Document Storage

Available from: 202304

The key features include:
l Changed MySQL db instance from Aurora to MySQL Community in EKS
setup.
l Helm rollback and build changes.
l Changed EKS file structure.

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l Startup time reduction.

l Change in default database.

The topic related to this feature is given below:

Document Storage

Marketing Catalog
Available from: 202207
Marketing Catalog Microservice provides an independent cloud-enabled solution
to manage marketing information of the core banking products. It exposes
management APIs to manage marketing information for products managed in the
core banks.
l Implemented hotfix changes.

The topic related to this feature is given below:

Marketing Catalog

Available from: 202210

The key features include:
l Released new collections as MarginNegotiationRules.entity and
TermAmountNegotiationRules.entity for storing maximum and minimum
values.
l Helm upgrade scripts - Zero Downtime changes.
l Helm Chart documentation.
l Startup script allows parameters with comma separated - For example,
Mongo connection string.
l Deployment does not clean the completed pods.

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The topic related to this feature is given below:

Marketing Catalog

Available from: 202301

The key features include:
l Auto upgrade functionality to move from one release to another is
introduced.

The topic related to this feature is given below:

Marketing Catalog

Available from: 202303

The key features include:
l Updated MSF version to 202303.0.1.
l Helm Package size reduction is implemented to reduce the size of the Helm
Package.

The topic related to this feature is given below:

Marketing Catalog

Service Request
Available from: 202207
Service Request Microservice is a generic order management system. It helps to
capture the customer’s different service requests that are raised by the Retail
Banking channels. The microservice maintains the life cycle of all the service

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requests. The service requests involve services such as New Cheque Book, Stop
Payment Request, Dispute transactions, and Block Debit Card.
l Multi-entity support.
l Added Helm upgrade and zero downtime changes for K8.
l Enabled the required parameters to allow configuring/updating the Mongo
DB connection related details such as connection string.
l Enabled the configurable parameters to set/update CPU request/limit
memory settings.
l Enabled two-way SSL configs in Kafka.
l Updated PostGresql scripts for Corporate Trade Finance app.
l Jaeger tracing.

The topic related to this feature is given below:

Service Request

Available from: 202210

The key features include:
l Provided GDPR support in all the stacks (Docker, K8, AWS, and Azure)
l Support for the Middle Office Approval.
l Meta JSON changes for GDPR.
l Healthcheck enablement for Generic command ingester.
l Audit History - enabled for retrieving the history of approvals/rejections
performed on a specific service request.
l Replaced companyLegalUnit with legalEntityId in all the places.
l Helm images size reduction.
l Added class_name properties in the api.env file in the model package.
l Updated the version of the Kafka image in the Docker package.
l Implementation of code update with respect to the developer observation.
l Added GDPR property in parent POM file.
l DDL update for legalEntityId.

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l Updated the UpdateServiceReqV2Impl.java file.

l MSF version update.

The topic related to this feature is given below:

Service Request

Available from: 202301

The key features include:
l Enhanced capability to pass the legal Entity id through the header.
l DB Upgrade Enhancement in all stacks (Docker, K8, Aws, Azure).
l Made security_token_check a dynamic variable.
l DDL update for legalEntityId..
l DDL Addition/Updation for ServiceRequestConfiguration and Reference
Data.
l AWS and Azure Meta JSON changes for DB Upgrade.
l System information leak and password plaintext problems.

The topic related to this feature is given below:

Service Request

Arrangement
Available from: 202207
Arrangement Microservice persists all the static information of the arrangements
in the core banking system and provides the same details to the digital front office
during the stand-in processing or a planned outage (For example, online upgrade
of Temenos Transact).
l Azure Eventhub performance properties: Added two properties in install
scripts for the performance issues.

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l Added properties of SASL JAAS config to be set manually.

l Added memory optimization of APIs and IRIS header updation for JWT.
l Updated Docker file to rectify the permission issue adding chmod
command – the issue while copying apiwar file to Tomcat server.
l Azure Eventhub Error Configuration: Added the error configuration
properties to deliver the error events to the Eventhub.
l Helm upgrade: Added new upgrade scripts to directly update the properties
and run the upgrade scripts instead of stopping and restarting the service
after updating the configurations.
l Updated driver name of MySQL with latest version and added
serverTimezone=UTC in DB Connection URL to reduce downtime issue in
VM.
l Oracle DB support for Arrangements in Docker, AWS, and Azure stacks.
l Added processing date to interest, schedules, and bills entity.
l Enabled two-way SSL in Kafka and enabled configuration in config.yaml
and checked with ingestion flow.
l Multi-entity support: Saving the company code in which, the transaction
originates; helpful in filtering and other security policies.
l Helm chart documentation: Added comments for every line describing the
property and also the possible values in K8 and Helm.

The topic related to this feature is given below:

Arrangement

Available from: 202210

The key features include:
l Build with the latest MSF version and IRF version.
l XACML Filtering and Policy Changes.
l Minor script changes.

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The topic related to this feature is given below:

Arrangement

Available from: 202301

The key features include:
l Build with the latest MSF version and IRF version.
l Nordea bug fixes forward patching:
l MSV-993 - getPartyArrangementDetailsV5_1_0 &
getBulkArrangementsV5_1_0 -- Get APIs.
l MFW-2309 - LSM Recreation of Index.
l XACML Filtering & Multi Entity Changes.
l EIR and APR changes for Payment Schedule.
l Base image changes for security vulnerabilities.
l Business Event from Transact.
l Data Packager implementation.
l MultiEntity for AccountAggregation Ingester.
l Schedule Response Bug Fix.
l Database Upgrade.

The topic related to this feature is given below:

Arrangement

Available from: 202303

The key features include:
l Enabled an API for access through MDAL layer to retrieve posting
restriction details associated with an arrangement.
l Enabled an API for access through MDAL layer to retrieve account
payment details for an account with a capability to query based on alternate

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references such as IBAN, Account Id (Id mapped to the record in

ACCOUNT table) and so on.

The topic related to this feature is given below:

Arrangement

Available from: 202304

The key features include:
l Enabled an API for access through MDAL layer to retrieve posting
restriction details associated with an arrangement.
l Enabled an API for access through MDAL layer to retrieve account
payment details for an account with a capability to query based on alternate
references such as IBAN, Account Id (Id mapped to the record in
ACCOUNT table) and so on.
l Enabled the property “db_upgrade_start_version” in all the stacks to
specify the version of the Microservice solution from which the DB upgrade
is being performed.
l Upgraded the Tomcat image version for docker and Kubernetes
deployments.

The topic related to this feature is given below:

Arrangements

Account Aggregation
Available from: 202207
Account Aggregation is an online service, which allows you to consolidate a
range of accounts and other financial information into one interface to simplify the
management of personal finances. To bring them into the Infinity fold, Account
Aggregation makes use of the Account Aggregation Microservices and a

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MarketPlace partner solution.

l Updated driver name of MySQL with latest version and added
serverTimezone=UTC in DB Connection URL to reduce downtime issue in
VM.
l Oracle DB support for AccountAggregation in Docker, AWS, and Azure
stacks.
l Updated package.json to add an entry for Ingester function and added
copyright headers to destroy_mssql.sh and destroy_mssql.bat in Azure.
l Added Hikari pool properties in Ingester container of yml files in Docker.

The topic related to this feature is given below:

Account Aggregation

Available from: 202210

The key features include:
l Enhanced AWS metajson changes.
l Updated event-handler type from command to binary.
l Updated temn_msf_name from accountaggregate to ms-
accountaggregate.
l Updated temn_msf_security_authz_enabled from true to false.
l Minor script changes.

The topic related to this feature is given below:

Account Aggregation

Available from: 202301

The key features include:
l Build with the latest MSF version.
l Event Standardization.

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l Base image changes for security vulnerabilities.

l Disable Inbox property fix for PostgreSQL, MSSQL and Oracle DB stacks.
l Database Upgrade.
l Logging Changes for Application security.

The topic related to this feature is given below:

Account Aggregation

Available from: 202304

The key features include:
l Enabled the property “db_upgrade_start_version” in all the stacks to
specify the version of the Microservice solution from which the DB upgrade
is being performed.
l Upgraded the Tomcat image version for docker and Kubernetes
deployments.

The topic related to this feature is given below:

Account Aggregation

Consent Management
Available from: 202207
The Consent Management Microservice stores the consents received from the
Third-party provider (TPP).
l Multi-entity support.
l Added Helm upgrade and zero downtime changes for K8.
l Enabled the required parameters to allow configuring/updating the Mongo
DB connection related details such as connection string.

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l Enabled the configurable parameters to set/update CPU request/limit

memory settings.
l Jaeger tracing.

The topic related to this feature is given below:

Consent Management

Available from: 202210

The key features include:
l Provided GDPR support in all the stacks (Docker, K8, AWS, and Azure)
l Implemented PostgreSQL DB support.
l Updated MSSQL DDL for Azure stack.
l MSF version update.
l Meta JSON changes for GDPR.
l Healthcheck enablement for inbox-outbox and command ingester.
l Replaced CompanyLegalUnit with LegalEntityId in all the places.
l Updating PostgreSQL DB with Flexible server feature in Azure.
l Helm images size reduction.
l Added class_name properties in the api.env file in the model package.
l Updated the version of the Kafka image in the Docker package.
l Implementation of code update with respect to the developer observation.
l Added GDPR property in parent POM file.
l DDL update for legalEntityId.

The topic related to this feature is given below:

Consent Management

Available from: 202301

The key features include:

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l GDPR enablement for PostgreSQL database.

l Base image changes for fixing security vulnerabilities.
l POM file changes for APPINIT enablement.
l Added LegalEntityId for TermsNConditionContent table.
l DML update for Multi Entity support.
l DML update for Bridge Loan.
l Database Upgradability support.
l DML changes for QR payments.
l DML changes for Account closure.
l DML changes for Partial repayment.

The topic related to this feature is given below:

Consent Management

Available from: 202304

The key features include:
l Enabled the property “db_upgrade_start_version” in all the stacks to
specify the version of the microservice solution from which the DB upgrade
is being performed.
l Upgraded the Tomcat image version for docker and Kubernetes
deployments.

The topic related to this feature is given below:

Consent Management

Holdings
Available from: 202207
Holdings is a read-only microservice for providing balances and transactions. It

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allows the client applications to view account details along with associated
transactions. It also provides generic data model to manage account balances
and transactions.
l Performance improvement of Azure Eventhub: Added properties in install
scripts and host.json.
l Added properties of SASL JAAS config to be set manually.
l Updated Docker file to rectify the permission issue adding chmod
command – the issue while copying apiwar file to Tomcat server.
l Azure Eventhub Error Configuration: Added the error configuration
properties to deliver the error events to the Eventhub.
l Helm upgrade: Added new upgrade scripts to directly update the properties
and run the upgrade scripts instead of stopping and restarting the service
after updating the configurations.
l Enabled two-way SSL in Kafka and enabled configuration in config.yaml
and checked with ingestion flow.
l Enabled parameters with comma separated values in start scripts
EX.Mongoconnection string.
l Helm chart documentation: Added comments for every line describing the
property and also the possible values in K8 and Helm.
l Multi-entity support: Saving the company code in which, the transaction
originates; helpful in filtering and other security policies.
l Azure performance properties: Added two properties for the performance
issues.

The topic related to this feature is given below:

Holdings

Available from: 202210

The key features include:
l Minor script changes.
l XACML filtering and policy changes.
l Build with the latest MSF version.

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The topic related to this feature is given below:

Holdings

Available from: 202301

The key features include:
l Build with the latest MSF version.
l CompanyLegalUnit to legalEntityId changes.
l XACML Filtering and Multi Entity changes.
l Multi-Entity for AccountAggregation Ingester.
l Logging changes for application security.
l Date handling fix (MSV-990).
l HMS GetBalancesForAccountV3 Fix (MSV-988).
l Database Upgrade.
l Base image changes for security vulnerabilities.

The topic related to this feature is given below:

Holdings

Savings Pot
Available from: 202207
Savings Pot Microservice lets you to create, fetch, and update the savings pot
details required for both front office and back office.
l Multi-entity support.
l Added Helm upgrade and zero downtime changes for K8.
l Enabled the required parameters to allow configuring/updating the Mongo
DB connection related details such as connection string.

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l Enabled the configurable parameters to set/update CPU request/limit

memory settings.
l Jaeger tracing.

The topic related to this feature is given below:

Savings Pot

Available from: 202210

The key features include:
l Updated the field companyLegalUnit to legalEntityId in all the places.
l Added new lambda-env.json file in the AWS package.
l Helm images size reduction.
l Added class_name properties in the api.env file in the model package.
l Updated the version of the Kafka image in the Docker package.
l MSF version update.

The topic related to this feature is given below:

Savings Pot

Available from: 202301

The key features include:
l DB Upgrade Enhancement in all stacks (Docker, K8, Aws, Azure).
l Multi-Entity changes for Savings Pot MS.
l Multi-Deployment support in Azure stack.
l DB Upgrade changes.
l AWS and AZURE Meta JSON changes for DB Upgrade.
l System Information leak and password plaintext problems.

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The topic related to this feature is given below:

Savings Pot

Portfolio Holdings
Available from: 202207
Portfolio Holdings Microservice stores the portfolio balances, instrument details,
and customer allocation details based on the asset and sub-asset details. An
asset type is a grouping of investments (Equities, bonds, cash) that exhibit
similar characteristics and are subject to the same laws and regulations. Sub-
asset type refers to the sub-segment of a broad asset type that is categorized to
provide more identification or granular detail of the assets within the subclass.
This Microservice offers the history of portfolio data, such as value, and provides
access to a historical view of the portfolio value.
l Azure Eventhub performance properties: Added two properties in install
scripts for the performance issues.
l Added properties of SASL JAAS config to be set manually.
l DDL and Feature file are updated with latest changes.
l Added Azure Eventhub Error configuration.
l Multi-entity support: Saving the company code in which, the transaction
originates; helpful in filtering and other security policies.
l Helm upgrade: Added new upgrade scripts to directly update the properties
and run the upgrade scripts instead of stopping and restarting the service
after updating the configurations.
l Enabled two-way SSL in Kafka and enabled configuration in config.yaml
and checked with ingestion flow.
l Enabled parameters with comma separated values in start scripts
EX.Mongoconnection string.
l Helm chart documentation: Added comments for every line describing the
property and also the possible values in K8 and Helm.

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The topic related to this feature is given below:

Portfolio Holdings

Available from: 202210

The key features include:
l Build with the latest MSF version.
l Minor script changes.

The topic related to this feature is given below:

Portfolio Holdings

Available from: 202301

The key features include:
l Build with the latest MSF version.
l Multi-Entity changes.
l XACML Filtering and Multi Entity changes.
l Database Upgrade.
l Base image changes for security vulnerabilities

The topic related to this feature is given below:

Portfolio Holdings

Campaign
Available from: 202207
Campaign Microservice enables the branch users of banks to define and store

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the details of the campaigns created through the front office solution developed
for the campaign management, which is called as Real Time Engagement (RTE).
l Added Helm upgrade and zero downtime changes for K8.
l Added Helm Chart documentation changes.
l Added DB version.

The topic related to this feature is given below:

Campaign

Available from: 202210

The key features include:
l PostgresSQL DB support.
l MetaData files for AWS automation.
l Added CPU request and limit.
l K8 improvement of images.
l Fixed an issue for AWS Pipeline Automation to add missing environment
variables.

The topic related to this feature is given below:

Campaign

Available from: 202301

The key features include:
l Introduced Database Upgradability feature to upgrade database.

The topic related to this feature is given below:

Campaign

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Available from: 202303

The key features include:
l Consumed latest MSF version 202303.0.1

The topic related to this feature is given below:

Campaign

Available from: 202304

The key features include:
l Consumed latest MSF version 202304.0.1.

The topic related to this feature is given below:

Campaign

Origination Data Storage

Available from: 202210
Origination Data Storage microservice implements the storage features offered
by Journey Manager. This is mainly because the requirements will come from the
development of custom user Journeys and Journey Manager has been
developed from many years of writing these journeys and it makes sense to learn
and expand these features rather than start from scratch.
l Added Kafka SSL changes to support secure Kafka SSL.
l Added CPU Request and Limit for resource management.
l Enhancement in Search Extract Query.
l Improvement to k8 Helm package size.
l AWS URI changes for Pipeline.

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The topic related to this feature is given below:

Origination Data Storage

Available from: 202301

The key features include:
l Introduced Data Upgradability feature with appinit container to auto
upgrade the database.
l Implemented MSF changes to reduce the size of packages by reducing
image sizes.

The topic related to this feature is given below:

Origination Data Storage

Available from: 202303

The key features include:
l Upgraded MSF version to 202303.0.1.

The topic related to this feature is given below:

Origination Data Storage

Due Diligence
Available from: 202210
Due Diligence microservice enables the banks to handle local regulations
regarding the intentions of the customer to consume the services of the bank
versus how these are consumed. Different geographies have different

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regulations in terms of money movement, tax rules, etc. The Due Diligence
microservice has a superset of this information and can support local regulations
across different geographies.
l Helm upgrade scripts - Zero Downtime changes.
l Helm Chart documentation.
l CPU Limit/Enable 2-way SSL configs in Kafka.
l Startup script allows parameters with comma separated - For example,
Mongo connection string.
l Deployment does not clean the completed pods.
l Added host aliases.

The topic related to this feature is given below:

Due Diligence

Available from: 202301

The key features include:
l Auto upgrade functionality to move from one release to another is
introduced.

The topic related to this feature is given below:

Due Diligence

Available from: 202303

The key features include:
l Auto upgrade functionality to move from one release to another is
introduced.

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The topic related to this feature is given below:

Due Diligence

Available from: 202304

The key features include:
l Due Diligence MS: interestRate, sourceOrProviderName, termRemaining
are made mandatory in V1 APIs.
l Azure Stack-enablement and testing for Enhancing Financial Information -
Retail - Secured and Unsecured Lending.
l Helm Upgrade , rollback , build changes - CDD.

The topic related to this feature is given below:

Due Diligence

Organisational Reference Data

Available from: 202301
The enhancement in the Organisational Reference Data microservice is,
l Auto upgrade functionality to move from one release to another is
introduced.

Available from: 202303

The key features include:
l Consumed latest 202303.0.1 MSF version.
l Helm Package reduction is implemented to reduce the size of the Helm
package.

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The topic related to this feature is given below:

Organisational Reference Data Microservice

Available from: 202304

The key features include:
l Consumed latest 202304.0.1 MSF version.
l Helm Package reduction is implemented to reduce the size of the Helm
package.

Corporate LOS
Available from: 202301
The enhancement in the Corporate LOS microservice is,
l Introduced API to capture bridge loan details.
l Introduced API to capture Cash Flow Details.
l Introduced API to capture Connected Loan Details.
l Introduced Data Upgradability feature to auto upgrade the database.

The topic related to this feature is given below:

Corporate LOS

Available from: 202303

The key features include:
l Updated MSF version to 202303.0.1.

The topic related to this feature is given below:

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Corporate LOS

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Party
Available from: 202303
Party microservice is used to store various details about the party (customers in
Transact) such as personal information, identity details, address details, and so
on. A user can create/update/get parties by using the Enterprise APIs of the party
microservice Enterprise APIs.
l Enhanced existing getCustomerProfile MDAL API and new MDAL API for
Unstructured Address.

The topic related to this feature is given below:

Party

Available from: 202304

The key features include:
l Enhancement for impose party id, to gat the party details based on the
business key. If the party MS is slave, then to inject the customer record
from T24 CUSTOMER application the customer id will save into to business
key column with legal entity. Based on the business Key the party details
will reply.
l AKS enablement is done for party MS.

The topic related to this feature is given below:

Party

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Application Framework

System Core » Standardizing COMO Logs and

Including Message Level
Available from: 202207
COMO logs are now standardized to include log message levels in COMO
content, during COB and standalone service execution in Transact. COMO holds
a huge volume of data, which makes tracking difficult. To facilitate ease in
message identification, the facility is provided to prefix Message Level to the
actual contents. The user can define the Attribute Name and Attribute Value
fields in TSA.PARAMETER to INCL.COMO.MSG.TYPE and YES, respectively.

The topic related to this feature is given below:

Standardize the COMO logs in Transact

System Core » Enquiry Extension for API

Available from: 202208
Transact now enables you to define common fields to include with all API
(enquiry) requests without modifying individual enquiries. The Api Gen Fld
Name, Api Gen Fld Label, and Api Gen Fld Type fields are introduced in
EB.ENQUIRY.PARAMETER to define common fields, which are exclusive to API
requests and be part of the OFS responses.

The topic related to this feature is given below:

Enquiry Extension for API

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System Core » State Change as Business

Events
Available from: 202301
Transact emits state change (transaction update) as Business Events for both
authorization and reversal authorization of a record. You can set Data Stream as
Outbox in SPF to enable this feature, which is supported only in TAFj runtime.

The topic related to this feature is given below:

Emitting State Change as Business Events

System Core » Business Event in Transact

Available from: 202301
The Data Event Streaming (DES) Events from Transact are emitted as raw data
using AVRO format. Transact is enhanced to emit the DES as Business Events
without defining them manually. This feature is enabled by setting Data Stream
as Outbox in SPF. Business events are emitted only for the applications defined
in RR.PARAM with eventType as <<tableName>>_DATA_EVENT.

The topic related to this feature is given below:

Business Event

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System Core » Emitting Business Events by

Configuring SPF and EB.DES.PARAMETER
Available from: 202304
The Data Event Streaming (DES) events from Temenos Transact are emitted as
raw data using AVRO format. Temenos Transact is enhanced to emit the DES
events as Business Events without defining them manually, which is enabled by
setting Data Stream as YES in SPF and Data Stream as Outbox in
EB.DES.PARAMETER.

The topic related to this feature is given below:

Emitting Business Events by Configuring SPF and
EB.DES.PARAMETER

System Core » Scalability

Available from: 202304
The EB.ELASTIC.CLEANUP application (contains pod details) has been
enhanced with the following functionalities:
l Associated multi-value fields.
l The TSA.RUNNING.SERVICE enquiry that holds information on total
agents, running agents and remaining agents for respective services.
l The GET.POD.RESTART.DETAILS enquiry that contains information on
time, restart, agent id, and service for a given pod name. This enquiry
fetches the data based on the records available in the history file of
EB.ELASTIC.CLEANUP table.

This feature enables the user to view more information on a given pod or
services.

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The topic related to this feature is given below:

Auto Elastic Scaling

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Banking Framework
Generic Account Interface » Funds
Authorisation for Failed Reservations Requests
Available from: 202205
Generic Accounting Interface now provides an option to suspend the failed
reservation requests (instead of rejecting). The Transaction Recycler module can
be used to retry the funds authorisation requests or the user has to manually
approve or reject it.
This functionality reduces the number of rejected transactions and enables
automated retry of the failed reservations or allows the user to override the
decision and manually approve the request.

The topic related to this feature is given below:

Funds Authorisation for Failed Reservations Requests

Generic Account Interface » Reversing or

Reposting GAI Booking Request Manually
Available from: 202206
When the booking entries created through Generic Accounting Interface (GAI)
move to a suspense account due to an error or override, the user can now either
reverse the amount from the suspense account or cancel the transaction through
GAI instead of creating Funds Transfer through GAI parameterisation. To
support this functionality, the Request Type field in the
GENERIC.ACCOUNTING.REQUEST application is enhanced with Post and
Reserve options.

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Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

Introduction to Reversing or Reposting GAI Booking Request
Manually
Introduction to Archiving GAI and GAR Transactions

Transaction Recycler » Transaction Recycler

Process
Available from: 202206
Transaction Recycler can now process the settlement of transactions through
Generic Accounting Interface (GAI) based on the parameterisation done in the
Settlement Type field in RC.TYPE. Transactions can be processed through
Generic Accounting Interface (GAI), where FT is not installed and ACCCSM is
installed.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.
Click here to understand the installation and configuration updates for this
enhancement.

The topic related to this feature is given below:

Transaction Recycler Process

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Delivery » Interim or Intra-day Transaction

Report
Available from: 202206
The statement for the message type MT942 can now be generated
independently of MT941, that is, the entries of MT942 message type can be
filtered only based on the last MT942 statement, which contains the list of entries
since the last MT942 statement.

The topic related to this feature is given below:

Interim or Intra-day Transaction Report

Accounts » Multilateral Netting Settlement

Available from: 202207
Forex supports Continuous Linked Settlement (CLS), which eliminates
settlement risk (risk involved due to no simultaneous exchange of currencies)
through a Payment vs Payment (PvP) mechanism. Multilateral netting settlement
process is introduced for netting and processing the Forex CLS trades for a given
value date and currency as a single settlement through the identified Nostro
account. The NETTING application integrated with the Payment Order handles
multilateral trade settlement for the Forex CLS trade.

The topics related to this feature are given below:

Multilateral Netting Settlement
Multilateral Netting Settlement in Payment Netting

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Accounts » Deferred Balance Update

Available from: 202207
The balance and entry updates can be deferred in Transact for High Volume
Internal Accounts such as Contra Accounts. When an Account is set to Defer
Balance Updates, the user accepts that the balances and enquiries for this
account may not be up to date. The deferred entries will be processed by a
continuous background service that performs the updates. The background
Service will post the entries as NON-HVT.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.
Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

Deferred Balance Update
Configuring Deferred Balance Update
Updating Deferred Balance

Delivery MX Translation » Support for camt.060

Messages (Equivalent of MT920)
Available from: 202208
The framework of the Delivery MX Translation module is leveraged to send a ‘like
for like’ ISO20022 CBPR+ compliant camt.060 message (Account Reporting
Request). This message is sent to the counterparties based on the outward
MT920 messages generated by the business modules.

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The topic related to this feature is given below:

DEMXTR – Support for outgoing camt.060 messages
(equivalent of MT920)

Direct Debit » Cancellation of DD Collection

based on TPH Notifications
Available from: 202209
The Direct Debit module is enhanced to receive the TPH notifications (that
indicate that DD collection is cancelled) and process it according to its status.
l If the DD collection is auto-settled, the DD collection is marked as returned
and the booking entries are raised as per existing functionality.
l If the DD collection is not yet settled, its status is changed to cancel and the
auto-settlement process ignores the collection.

The topic related to this feature is given below:

DD Collection Cancellation in TPH for Standalone Mandates

Transaction Recycler » Termination or Manual

Approval of RC Transactions
Available from: 202211
Transaction recycler now provides the ability to re-initiate failed recurring
financial transactions at regular intervals. The user can manually approve the
pending recycler request and the system does not consider the prioritisation
setup. The online and the COB services skip the restriction checks and process
the recycler request directly.

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The topic related to this feature is given below:

Allow Manual Approval of Booking sent to the Recycler

Framework » Fixed Asset Management

Available from: 202211
Fixed Asset Management (FIXAMT) module is introduced to provide the banks a
complete financial control over the bank’s fixed assets throughout its life cycle.
This module includes classifying fixed assets (grouping of fixed assets based on
asset nature, purpose, and legal or depreciation requirements), tracking
operational units, managing supplier details, and processing all the lifecycle
events of the fixed asset.
Fixed asset life-cycle events are recorded as a dated activity, giving an efficient
method of enquiring, or tracking the asset life-cycle events.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topic related to this feature is given below:

Fixed Asset Management

Accounting Unit » Non-year End AU

Decommission
Available from: 202212
Temenos Transact is enhanced to allow customers to decommission an
accounting unit (AU). To decommission an AU, the customer must move the data
to another AU in Temenos Transact or another company within the same group.

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The new functionality allows the user to perform the decommission process on
the last day of the financial year or any date of the current financial year.

Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

Change to CPL Keys
AU.PARAMETER

Cheques and Cards Management » Cancelling

Cheque Deposit before Collection
Available from: 202301
Cheque Collection processing is enhanced to cancel or revoke an outward
collection cheque that is deposited and yet to be sent for collection. As part of this
cancellation process, the system reverses the associated accounting entries
raised originally as a part of the cheque deposit transaction.

The topics related to this feature are given below:

Cancelling Cheque Deposit before Collection
Realising, Returning, or Canceling Foreign Cheques
Realising, Returning, or Canceling Outstation Cheques
Viewing of Cheque Collection Records

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Limits » Suppress Collateral Code and

Suppress Default Linking of Limit and Collateral
Right
Available from: 202302
The limit module is enhanced to enable the user to suppress the collateral code
override for specific limit products that the bank uses for the corporate lending
facility, where the secured limit creation is automated.
Also, the secured limits created through such limit products (where the collateral
code override is suppressed), shall be excluded from being defaulted in the
Collateral Right for the Customer, based on a parameterisation.

The topics related to this feature are given below:

Suppressing Collateral Code in Limit
Suppress Default Linking of Limit and Collateral Right

Accounts » Overriding Rule-Based NSF

Decisioning
Available from: 202303
Banks can now override the rule-based NSF decisioning of account transactions
using the user exit routine.

The topics related to this feature are given below:

Processing NSF Parameter
Overriding Rule-Based NSF Decisioning

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Delivery » Supporting SWIFT Relationship

Management Authorisations Upload
Available from: 202304
The Temenos Relationship Management Authorisation (RMA) directory has
been enhanced to maintain the authorisations per SWIFT service and support
the upload of the SWIFT RMA distribution files.
RMA stores the authorisation per service. It is swift.fin for MT messages and
swift.finplus for ISO20022 CBPR+ messages. The user can perform the RMA
check and the Enhanced RMA check considering the authorisation for the
specific service and store the details of the SWIFT uploaded into the Temenos
RMA directory.

Click here to understand the installation and configuration updates for this
enhancement.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topic related to this feature is given below:

Relationship Management Authorisations

Accounts » Locking of Funds

Available from: 202304
The AC module is enhanced to include or exclude future dated debit and credit
reservations while determining the available or usable balance of an account.

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The topics related to this feature are given below:

Understanding Future Dated Debit and Credit Reservations
Configuring Future Dated Debit and Credit Reservations
Handling Future Dated Debit and Credit Reservations

Delivery » MX Messages Framework

Available from: 202304
The Delivery module is enhanced to provide a framework that allows the banks to
activate the annual rule book changes for CBPR+ messages and other
ISO20022 RTGS solutions supported by TPH that use the Delivery XMLISO
capability. The banks can perform this activation only if the annual maintenance
license for the respective solution or product is configured in the system.

The topic related to this feature is given below:

MX Messages Framework

Temenos Reference Data & System Tables &

Centralised Reference Data & IBAN » Deploying
IN & RD Modules in Temenos Reference Data
Shared Service
Available from: 202304
Temenos provides the ability to deploy the IBAN (IN) and the Centralised
Reference Data (RD) modules as part of the Temenos Reference Data shared
service that can be referred by other Temenos platforms.
A set of public methods are available under System Table (ST) module to access

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or validate the IBAN and bank reference data against the reference directories, in
addition to a set of IBAN and RD related Master Data Access Layer (MDAL)
methods available under the Master Data Access for Reference Data (MDLREF)
module.
All Temenos business applications, Country model bank layers, and local
implementations must access and use the IBAN and bank reference data using
the public methods available in the ST module.
The data can be accessed through MDAL,
l When the IN and RD modules are deployed on the same platform or
l Based on the configuration defined in MDAL, public methods can invoke
the appropriate REST API to use the data from the central platform.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Accessing IBAN and RD in ST
Temenos Reference Data in TBC
IBAN in Transact
Central Reference Data in Transact
REST APIs in IBAN

Expected Receipts » Matching of Advised Funds

Available from: 202304
The Expected Receipts module is enhanced to process inward ISO20022 SWIFT
CBPR+ notice to receive cancelation messages (camt.058).
The Delivery module receives the inward ISO20022 CBPR+ notification to
receive cancelation (camt.058.001.08) messages through Delivery
Transformation Layer and routes to the Temenos Expected Receipts module

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where they are automatically matched against the notice to receive

(camt.057.001.06/MT210) messages.

Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

Introduction to Matching of Advised Funds
Configuring Matching of Advised Funds
Working with Matching of Advised Funds

Payments Beneficiary /Standing Order »

Capturing Ultimate Debtor and Intermediary
Financial Institutions Details in the Payments
Beneficiary and Standing Orders
Available from: 202304
Temenos Transact is enhanced to allow corporates or customers of financial
institutions to capture the details of the ultimate debtor and intermediary financial
institutions in the BENEFICIARY and the STANDING.ORDER applications.
The ultimate debtor details in the BENEFICIARY and the STANDING.ORDER
applications include the name, structured (for example, street, town, postcode,
and so on), or unstructured address details, private or organisation identifier
details, Bank Identification Code (BIC), and Legal Entity Identifier (LEI).
The intermediary financial institution details include the BIC, bank clearing code,
bank clearing system identifier, LEI, name, bank town name, bank postal code,
bank country, bank address line, IBAN, and account. Customers can also specify
the account with a bank LEI, beneficiary LEI, and ultimate creditor LEI in both the
BENEFICIARY and STANDING.ORDER applications.

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The topics related to this feature are given below:

Beneficiary Details
Capturing Address Details and Other Identifiers
Capturing Beneficiary, Ultimate Creditor and Ultimate Debtor
Name, Address and Identification details
Capturing Agent Details in STANDING.ORDER
Introduction to Funds Transfer

Retail Lending » Storing Risk-free Rates

Calculated for each Day of an Arrangement
Available from: 202304
The system is enhanced to record and store the risk-free rate calculated for each
working day of an arrangement along with the daily accrual and principal balance
on which the accrual amount is calculated in the ST.RFR.DETAILS application.
If there is a discrepancy with the risk-free rate calculated by the system for a
specific day, the user can verify the details from the ST.RFR.DETAILS
application.

Click here to understand the installation and configuration updates for this
enhancement.

The topic related to this feature is given below:

Viewing RFR Rate Details using RFR.CONTRACT.DETS
Enquiry

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Accounts » Monitoring and Reporting the

Account Overdrawn Days for Accounts with OD
Facility Balance
Available from: 202304
The overdrawn ageing for accounts with an overdraft (OD) facility started only
when the balance exceeded the overdraft facility. And, for accounts without OD
facility, the overdrawn ageing will start the moment the account balance was
overdrawn or negative. It is now possible to monitor and report the account
overdrawn days for the account with OD facility based on the account booked or
ledger balance without waiting for the underlying OD limit to exceed.
The ACCOUNT.OVERDRAWN table is enhanced to report the overdraft ageing
details from the date the account ledger balance becomes negative for regular
accounts and accounts with OD facility.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topic related to this feature is given below:

Accounts Ageing Based on Ledger Balance

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Business Banking
Asset Finance » Asset Finance
Available from: 202304
A new product line ‘ASSET.FINANCE’ has been added in Arrangement
Architecture to service the hire purchase, finance, and operational lease
arrangements. The features available now in the new product line are:
l Contract creation and activation.
l Rental calculations.
l Covenants and conditions.
l Billing and settlement.
l Past due and non-accruals.

The topic related to this feature is given below:

Asset Finance

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Corporate
Secondary Loan Trade » Creating Loan Trade
Products using LOAN.TRADE.PRODUCT
Available from: 202207
Temenos Transact is enhanced to support the trading and settlement of loan
positions in the secondary loan market. Users can now create loan trade
products using the LOAN.TRADE.PRODUCT application under the Secondary
Loan Trade (SLT) module.

The topic related to this feature is given below:

Creating Loan Trade Products using LOAN.TRADE.PRODUCT

Secondary Loan Trade » Capturing Trade

Transaction
Available from: 202208
Corporate Lending is now enhanced to capture a loan trade along with credit
agreement details, settlement instructions and third-party consents under the
Secondary Loan Trade (SLT) module in Transact.

The topic related to this feature is given below:

Capturing Trade Transaction

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Club Loans » Amortisation of Upfront Fee during

Splits and Merges
Available from: 202208
As per IFRS9 standards, any originating fees collected on an undrawn Facility
must defer the postings to P&L until the drawdown date and need to be
recognized according to the drawdown’s cash flow
Temenos Transact allows the user to record the accounting treatment for the own
bank share of upfront fee at drawings during splits and mergers of club loans as
per IFRS9 accounting standards.

The topic related to this feature is given below:

Amortisation of Upfront Fee during Splits and Merges

Facility » Handling Exchange Rate Tolerance in

Lending
Available from: 202208
The system calculates the tolerance levels of old drawdowns on the existing rate
of the contract and new drawdowns on FX rate in the currency table.
The user can either schedule or manually trigger the repricing activity. On the
scheduled repricing activity, if the rate in the currency table on the scheduled day
of activity is within the tolerance, then the system does not change the existing
rate of the contract. If it breaches the tolerance, then the system applies the rate
from the currency table to the contract.
When the user manually triggers the FX Repricing activity, then the system
honours the rate entered by the user irrespective of the tolerance levels.
Temenos Transact now allows the system to perform a tolerance check on the
contract's existing FX rate and update it accordingly upon repricing.

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The topic related to this feature is given below:

Handling Exchange Rate Tolerance in Lending

Contingent Liability » Enhancing Exchange Rate

in Guarantees
Available from: 202208
Temenos Transact now supports the Exchange Rate Property Class through
Guarantees Product Line.
A guarantee or standby letter of credit product in AA is enhanced with the
Exchange Rate Property Class. This allows banks to override the defaulted
exchange rate from CURRENCY table in a syndicated deal when the currency of
the undertaking is different than the facility currency.

The topic related to this feature is given below:

Enhancing Exchange Rate in Guarantees

Club Loans » Processing Third Party Consent

for Assignment Trades
Available from: 202208
Share transfer Property Class is enhanced to capture the consent obtained and
the date when the consent is obtained for trading a facility or drawing.

The topic related to this feature is given below:

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Processing Third Party Consent for Assignment Trades

Club Loans » Enhancing Participant Property

Class with Trade Consent
Available from: 202208
Participant Property Class is enhanced for assignment transfer or trade. The user
can now define whether the trade is allowed, the minimum tradeable amount and
the consent required for trading the arrangement.

The topic related to this feature is given below:

Enhancing Participant Property Class with Trade Consent

Club Loans » Accounting Treatment of Upfront

Fees at Club Loans
Available from: 202208
As per IFRS9 standards, any originating fees collected on an undrawn facility
must defer the postings to P&L until the drawdown date and must be recognized
according to the drawdown’s cash flow. In Club Loans, when the facility
commitment is utilized through drawdowns, the system transfers the facility’s
own bank share of the upfront fee to the own bank share of the drawings on a
pro-rata basis.
Temenos Transact is enhanced to record the accounting treatment of the upfront
fee collected at the Club Facility as per IFRS9 accounting standards.

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The topic related to this feature is given below:

Accounting Treatment of Upfront Fees at Club Loans

Facility » Accounting Treatment of Upfront Fees

during Split and Merge of Loans
Available from: 202208
Temenos Transact is enhanced to follow IFRS9 accounting standards during
Split and Merge of Bilateral Loans. The system now transfers the Unamortized
upfront fees in the existing drawings to the Drawings created after a split or
merge activity on a pro rata basis.

The topic related to this feature is given below:

Accounting Treatment of Upfront Fees during Split and Merge
of Loans

Club Loans » Memo Deals, Facility and

Drawings
Available from: 202209
Temenos Transact allows the user to create memo facility, and drawings. When
a bank wants to newly enter syndication through secondary loan trading, it is
prerequisite for new lender that the underlying memo facility and drawings
available in bank books.

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The topic related to this feature is given below:

Memo Deals, Facility, and Drawings

Secondary Loan Trading » Managing Trades

Available from: 202209
When a prospective seller decides to sell or a potential buyer wants to acquire a
loan asset, loan trading passes through some well-defined stages such as trade
booking (capture), trade confirmation, third party consents, trade documentation,
and finally settlement. A trade captured with minimal details can be updated,
modified or even canceled.
The Secondary Loan Trading module in Transact allows the user to update or
modify the trade details after it has been booked or cancel it before settlement.

The topic related to this feature is given below:

Managing Trades

Secondary Loan Trading » Processing Trade

Charges using LOAN.TRADE and
LOAN.TRADE.PRODUCT
Available from: 202211
Temenos Transact is now enhanced to add a Charge manually to a secondary
loan trade or it can be automatically defaulted in the LOAN.TRADE application
based on the configuration in the LOAN.TRADE.PRODUCT application.

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The topic related to this feature is given below:

Processing Trade Charges using LOAN.TRADE and
LOAN.TRADE.PRODUCT

Club Loans » Defining Higher or Lower Interest

Rates
Available from: 202212
The Temenos Transact is enhanced to allow the bank to:
l Define multiple rates (like LIBOR, EURIBOR or Federal fund rate, and so
on) for the Lending or Club Loan contract.
l Choose the higher or lower rates to be applied on the contracts to calculate
the interest.

The higher or lower interest rate is calculated based on the base rate and the
bank’s spread, excluding the customer’s margin.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topic related to this feature is given below:

Defining Higher or Lower Interest Rates

Secondary Loan Trading » Executing Trade,

Issue Pricing and Settling Trade
Available from: 202301

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A trade agreed between the buyer and the seller may undergo changes any time
before it is finally settled, which allows the user to amend the trade any time
before it is settled. Executing a trade implies that the trade is finalised and ready
for settlement on the agreed date. The Pricing Letter can be issued only when a
trade is executed. Once the pricing letter is issued, the trade is settled on the
settlement date.
The Secondary Loan Trading module is enhanced with the LOAN.TRADE
application that allows the user to
l Execute a trade,
l Issue Pricing and
l Settle a trade.

The topic related to this feature is given below:

Executing Trade, Issue Pricing and Settling Trade

Facility » Internal Portfolio Allocation in Facility

Available from: 202302
Portfolios’ that operate under each branch are the Profit Centre or Cost Centre or
Business units within the branch or the entity. The system assigns every loan or
facility in a branch’s book to one or more portfolios and shares the profits earned
among the portfolios on a pro-rata basis based on their funding contribution.
Banks or financial institutions can recognize their exposure to loans, income
earned and total revenue from a facility or loan portfolio-wise. This will help the
bank to plan and restructure their portfolios exposures efficiently.

The topic related to this feature is given below:

Internal Portfolio Allocation in Facility

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Facility » Disbursements and Activity Charges in

Portfolio Allocation
Available from: 202302
Portfolios’ that operate under each branch are the Profit Centre or Cost Centre or
Business units within the branch or the entity. The system assigns every loan or
facility in a branch’s book to one or more portfolios and shares the profits earned
among the portfolios on a pro-rata basis based on their funding contribution.
When a bank disburses a loan to a customer either partially or fully, each portfolio
contributes a percentage of the amount for disbursement based on the share
commitment percentage that is committed in the arrangement. The system splits
the charges received from the borrower among the internal portfolios based on
their commitment share percentage by default.
This allows the bank to recognise the portfolio-wise income and revenue from a
facility or loan.

The topic related to this feature is given below:

Disbursements and Activity Charges in Portfolio Allocation

Facility » Facility Commitment Amortisation

Schedule
Available from: 202302
The Facility module is enhanced to support the facility-level repayment, where
the user can define the amount of repayment and frequency in the payment
schedule property class at the facility level. On the scheduled date, the system
performs a commitment reduction at the facility for the amount defined and raises
an auto settled bill for the same. If there is any excess utilization of the facility
after the commitment reduction at facility, then the excess utilized amount gets
billed to the borrower at the drawing level.

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The topic related to this feature is given below:

Facility Commitment Amortisation Schedule

Facility » Interest Accruals, Repayment and

Payoff in Facility and Drawings
Available from: 202303
The Portfolio Allocation functionality in the Facility module is enhanced to include
interest accruals, bill generation, repayment, and payoff features. This
enhancement includes the following functionality.
l Based on each portfolio’s share, interest is accrued separately for each
portfolio and is recognised as their income in P&L.
l All the portfolios get a share as part of the repayment when a payment is
due. To specify the share of each portfolio in the payment made due, a
separate bill is created for each portfolio with its share. When the customer
repays, the portfolios’ shares are settled during payoff.

The topics related to this feature are given below:

Interest Accruals
Repayment
Payoff

Facility » Share Transfer in Portfolio Allocation

Available from: 202304
Portfolio Allocation functionality is enhanced to transfer the shares between two
bank portfolios and between a bank portfolio and an external bank.

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A bank can have multiple internal portfolios as part of its facility. During the
facility's lifetime, the owning bank may decide to increase or decrease its
exposure in the facility or sell off its share completely by transferring it to the
existing banks in the loans or to a new bank. It can be done using share transfer.

The topic related to this feature is given below:

Share Transfer in Portfolio Allocation

Facility » Borrowing Base Facility

Available from: 202304
Temenos Transact now allows financial institutions to offer a borrowing base
facility, such as a revolving credit facility, for the borrower based on the value of
the assets held by the company. The company is referred to as the ‘borrowing
base’. The amount of credit granted is determined by the value of the collaterals.
The collateral value may change over time, and the related limits are updated per
collateral change.

Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

Creating a Borrowing Base Facility
Limit Details
Borrowing Base Facility
Collaterals output

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Facility » Buyback of Shares

Available from: 202304
The Portfolio Allocation functionality is now enhanced to allow the transfer of the
entire shares from one or all participants. Banks having multiple portfolios as part
of a facility can decide to buy back (internal or external) all the shares from one or
all portfolios or participants.
l When the bank buys back its internal portfolio’s share, it is called an
internal buyback.
l When the bank buys back the external participant banks’ shares, it is called
an external buyback.

The topic related to this feature is given below:

Buyback of Shares

Corporate Lending » Interest Skims

Available from: 202304
In addition to interest accruals, repayments, and payoff, Temenos Transact is
enhanced to include interest skims to its portfolios for facility and drawing.
Interest skim is a profit the own bank generates from the difference between the
interest the own bank collects from the borrower and the interest the own bank
pays to the participant banks. The difference between a borrower’s interest and
the interest skim is an income to the bank.
Since the own bank’s share is split among multiple portfolios, it should specify
against which portfolio the system should allocate this interest skim.

The topic related to this feature is given below:

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Interest Skims

Secondary Loan Trade » Trade Management in

Secondary Loan Trade
Available from: 202304
LOAN.TRADE application and Loan Trade service are now enhanced to capture
the trade that updates the loan position, remits the funds to the counterparty, and
generates the necessary accounting entries.
The following functionalities are included as part of this enhancement:
l The bank can buy or sell a loan or commitment at par, premium, or discount
price with an option to either recognise the income or expenses to PL or
amortise till the maturity date.
l An agent bank can adjust the balances of the participants in its books
based on the trade settled between the trading parties.
l The trade can be settled as an assignment type, a sub-participation type, or
a risk participation type between the counterparties.

The topics related to this feature are given below:

Introduction to Trade Management
Configuring Trade Management
Working with Trade Management
Creating a Loan Trade Product
Loan Trade Products
Loan Trade Activity

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Islamic Banking
Islamic Deposits and PDS » Separate
Weightage for Pre-Closed Deposits (Used in
PDS Calculation)
Available from: 202208
It is now possible to setup different weightages for pre-closed deposits involved
in the PDS calculation using the weightage parameter (ID.PDS.WEIGHT). Also,
during the early maturity of Mudaraba deposit, the broken deposit profit rate can
be used to perform the profit amount recalculation for the actual completed tenor
using the tier rate/ historical profit rate options.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Defining weightage using ID.PDS.WEIGHT
Recalculating Profit Amount during Pre-closure for Mudaraba
Deposit
Automatic Recalculation of Profit Amount during Pre-closure for
Mudaraba Deposit
Calculating Depositors’ Funds in the Pool

Islamic Deposits and PDS » Islamic Account

Closure and Profit Payout
Available from: 202210

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Transact is now enhanced to allow the users to close a Mudaraba account on

PDS run. For accounts closed on the PDS run,
l The profit amount for the last period is calculated with the applicable PDS
profit rate till the closure requested date.
l During the PDS distribution, once the profit amount is paid, the accounts
are closed automatically.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.
Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

Islamic Accounts Closure
Understanding Simulation
Configuration for ID.SYSTEM.PARAMETER
Applying Profit Rate for Mudaraba Accounts
PDS-COPR Marked Accounts List

Islamic Deposits and PDS » Calculating Penalty

Amount during Pre-Closure of Wakala Deposits
Available from: 202211
The ID.PRECLOSE.CUSTOMISE can be set in either months or days and it is
referred during the pre-closure of Mudaraba or Wakala deposits.
During the pre-closure of a Wakala deposit, based upon the actual number of
days the deposit is with the bank, the configured penalty percentage can be used
to calculate the penalty amount from the accrued and paid profit amounts. An
option is available to include the pre-closed Wakala deposits in the current PDS

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calculation and normal or broken weightages can be applied to calculate the PDS
profit rate.
Islamic Deposits and PDS » Adjusting Wakala Deposits Profit in Pool
Parameter
It is now possible to adjust the Wakala deposits profit using the new Calculate
option in the ID.POOL.PARAMETER.
This helps to calculate the profit adjustment amount between the expected and
the PDS profit rates. Accounting entries are not posted for the calculated
adjustment amount.

The topics related to this feature are given below:

Configuring Data Migration
Linking Pool ID with Migrated Mudaraba Deposits and/or
Accounts and Wakala Deposits
Updated option for Pre-closure of Mudaraba Deposits
Updated option for Pre-closure of Wakala Deposits
Calculating Net Profit Amount in PDS
Enhanced Wakala Adjust Option
PDS Migration

Islamic Financing » Enhanced Mudaraba

Facility and Finance
Available from: 202301
Mudaraba is a partnership agreement whereby the bank provides the capital
amount and the customer provides labour/work/experience. The profit is shared
between the capital provider and the customer on a predefined ratio which must
be mutually agreed upon and explicitly stated at the time of contract agreement.
The Mudaraba is for a fixed period, the customer must return the Mudaraba
capital and the bank share of the realised Mudaraba profit at the end of the

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Mudaraba term. It is not a binding contract, and each party has the right to
terminate the contract at its own discretion. However, if a Mudaraba period has
been agreed upon between the parties then no party can terminate it on its own
till the completion of such a period.
The enhanced Mudaraba financing product allows the user to create a Mudaraba
facility for the customer using Mudaraba facility product in the Facility product
line. The user can make multiple drawings from the Mudaraba facility based on
the request from the customer by setting up the profit-sharing percentage and
expected profit rate.
The customer can declare the realised profit amount to the bank on or before the
maturity date. Based on the agreed profit-sharing ratio between the bank and the
customer, the profit adjustment accounting entries are posted.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Creation of Facility for Islamic Finance Products
Profit Declaration
Accounting - Profit Declaration
Creating Mudaraba Facility Arrangement
Creating Mudaraba Drawings Arrangement under Facility
Creating Standalone Mudaraba Drawings Arrangement
Capturing Profit Declaration
Authorising, Deleting, or Modifying Profit Declaration
Amending Profit Declaration
Viewing Profit Declaration

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Islamic Financing » Enhanced Diminishing

Musharaka Financing
Available from: 202302
The Diminishing Musharaka product is now enhanced to finance the customer by
capturing the bank and customer share percentages. The repayments can be
scheduled on due dates. If the customer does not repay on the due date, then it is
configured to include the overdue principal amount during the daily profit accrual
calculation.

The topics related to this feature are given below:

Property Classes used in Diminishing Musharaka Finance
Updated Diminishing Musharaka Finance Workflow

Islamic Deposits » Evaluation of Exclusion

Conditions for Mudaraba Savings Accounts
Available from: 202303
Mudaraba savings accounts can be configured to be included in the PDS
calculation. If the customer holds balances in the account, then the profit amount
is paid to his account based upon the balance calculation configuration (set up as
Average/ Minimum/ Daily). For minimum balance calculation, the Balance
exclusion and Transaction count exclusion evaluation conditions can be
configured, and if the exclusion conditions fail no profit amount is paid for the
period.
l If the minimum balance amount during the month is below the configured
threshold amount, then no profit amount is calculated for the month.
l If the daily minimum balance amount is less than the threshold amount,
then no profit amount is calculated for the day in the PDS period.

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l In a month, if the number of transactions performed on the particular

transaction code exceeds the threshold count, then no profit amount is
calculated for the month.

While running profit accruals the configured exclusion conditions are evaluated
and notional accrual accounting entries are posted for the eligible accounts.
During PDS simulation, the exclusion conditions are evaluated again for those
accounts and the balances are recalculated. Based upon the calculated balances
the profit rate is calculated and used during PDS distribution.

Click here to understand the installation and configuration updates for this
enhancement.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Configuring Evaluation Criteria using
ID.ACCOUNT.CONDITION
Mudaraba Account – Evaluating Daily and Monthly Minimum
Mudaraba Account –Evaluating Daily, Monthly Minimum and
Calculating Profit Accruals
Close on PDS Run
Scheduling PDS simulation
Calculating Mathematical weighted Average balance
Creating and Simulating a New Mudaraba account – Monthly
minimum Arrangement
Creating and Simulating a New Mudaraba account – Daily
minimum Arrangement

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PDS » Pay Profit Amount during PDS

Distribution using Change Charge Activity
Available from: 202304
It is possible to calculate the profit amount for Mudaraba savings account using
PDS simulation and it can be paid directly to the customer account as charges,
without posting the profit accruals. The calculated profit amount is posted only to
the eligible accounts.
This facilitates the banks who do not want to capture or perform daily profit
accruals using the notional profit rate. As and when a PDS simulation is
performed, the profit amount or profit rate is calculated for the period. During the
PDS distribution, it pays the profit amount calculated during PDS simulation to
each Mudaraba savings account. During account closure, the accrued profit
amount need not be paid to the customer account rather these accounts are
considered during current PDS simulation to calculate and credit the eligible
profit amount into the suspense account. Subsequently, the user can take further
action on the credited profit amount.

Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

Model Parameters
Payment of Profit Amount as Charges

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Private Wealth
Corporate Actions » Loyalty Bonus on Public
Offers
Available from: 202205
Banks can now process loyalty bonus for shareholders who have been allocated
the shares through an IPO/FPO and have held it till the loyalty bonus
determination date based on the Alloc Date, Alloc Trans Type and Ex Date fields
in the DIARY application.
New customers who purchase units after Alloc Date are not eligible for loyalty
bonus, and hence entitlement will not be generated. If existing customers acquire
new holdings after Alloc Date, the loyalty bonus is capped to the IPO allocation
quantity.

The topic related to this feature is given below:

Loyalty Bonus on Public Offers

Repurchase Agreements » Processing Intraday

REPO Contracts and Interest Calculation
Available from: 202208
Repurchase Agreements module is now enhanced to process the Intra-day
REPO contracts and calculate the interest amount based on elapsed minutes
between start time and end time of the contract.
To process Intra-day REPO contracts, the REPO application is enhanced to
accept the same date in the Value date and Maturity date fields.

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The topic related to this feature is given below:

Processing Intraday REPO Contracts and Interest Calculation

Securities » Recording ESG Attributes and

Scores in Securities
Available from: 202209
ESG (Environmental, Social and Governance) is part of a broader legislative
package under the EU Commission’s Sustainable Finance Action Plan, with the
target to improve transparency in the market for sustainable investment products.
ESG criteria and scores can be used to screen investments based on corporate
policies and to encourage companies to act responsibly.
The securities module is enhanced to record the ESG scores per instrument
and/or per issuer in Temenos Transact and pass those scores to the Front Office
systems with no further processing required at Transact. The
SC.ESG.INDICATOR table records various ESG indicators, the indicator
category, the pillar, the data type and the expected values for each of the
indicators. The ESG scores per indicator are recorded for each instrument or
issuer in the SC.ESG.SCORES table.

The topic related to this feature is given below:

Recording ESG Attributes and Scores

Corporate Actions (SC) » Corporate Action with

Sub-Account
Available from: 202302
Transact is enhanced to handle MT564 per sub-account. The system can create

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a separate record in DIARY per sub-account and enable reconciliation at the sub-
account level.

The topic related to this feature is given below:

Corporate Action with Sub-Account

Securities » Crypto Assets

Available from: 202303
Transact supports trading in cryptocurrencies by managing these currencies as
security instruments in the SECURITY.MASTER table and allowing a high
precision for nominal. Suitable APIs are available to handle the creation of Crypto
assets, wallets and settlements.
The following functionalities are handled by Transact:
l Maintaining wallet addresses.
l Capturing buy and sell transactions using the SC module.
l Maintaining positions and valuations.

The topic related to this feature is given below:

Crypto Assets

Derivatives » Grouping and Placing of Multiple

Orders as a Single Order
Available from: 202303
Orders of multiple customers with the same contract, maturity date, underlying
maturity date, strike price, call or put option, and buy or sell combinations are
grouped and placed as a single order in the market in the parent-child structure.

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Banks can now group any number of derivative client orders and place them as
one single order in the market. Bulk orders with multiple customers are
categorised into customer and market to avoid any amendment or cancellation of
one side impacting the other. The parent order is sent to the market, whereas the
child order holds each customer’s order details. On execution of the parent order,
the system automatically prorates and fills the child orders. Trades are generated
directly between the customer and the broker, that is, the customer from the child
order and broker from the parent order are combined to form a single trade.

The topic related to this feature is given below:

Introduction to Order Grouping

Securities » Central Hub Processing

Available from: 202304
The securities and derivatives orders are placed in the hub company of a
portfolio by default. Temenos Transact is enhanced to handle certain orders or
trades in a portfolio’s own company (the company where the portfolio is created)
based on some exception rules. The exception rules can be based on instrument
attributes alone or a combination of instrument and customer attributes.
The exception rules created in SC.HUB.PROCESS.PARAM allow positions for the
same instrument in both the hub company and the portfolio’s own company.
However, the depository should be different to ensure that the
SECURITY.POSITION key is not duplicated.
The valuation in Temenos Transact includes positions from both the hub
company and the portfolio’s own company. The orders sent from the Wealthsuite
Front office (TAP) are automatically routed to either the hub company or the
portfolio’s own company.

The topic related to this feature is given below:

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Central Hub Processing in Securities and derivative orders

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Regional Banking Solutions

Argentina Model Bank

Accounts » Pre-Closure Fees for Loans

Available from: 202206
This functionality provides the ability to apply a pre-closure fee when pre-closing
a loan based on the following rules, created as a parameter:

l If the customer performs the activity of closing the loan within a certain
number of months, or,
l If the customer performs the activity of closing the loan before the term of
the loan divided by a number defined in the configuration created. If the
value is greater than the actual active date of the arrangement, then the
system will apply the pre-closure fee of 2% (this value is parameterisable).

New fields have been added to the AA.PRD.DES.CLOSURE application to store

the period and the term fraction in which the pre-closure fee will be collected and
new configuration records have been introduced for the Argentinian loan
products to define the cooling period when the pre-closure fees will not be
collected.

The topic related to this feature is given below:

Accounts

Taxes » Turnover Collections

Available from: 202208
According to Argentinian regulation, there are several exemptions and special

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conditions related to the calculation of the Turnover Collection tax. They can
depend on the jurisdictions, events and holder’s combination.
This functionality allows users to handle the exemptions of Turnover Collection
tax on incoming transfers on savings accounts for the jurisdictions that have their
own padrons and for the ones that use SIRCREB padron, complying with the
latest Argentinian regulation.
Configuration records have been introduced or modified based on the jurisdiction
defined in the Tax Exemption Framework for handling Turnover Collection tax on
incoming transfers on savings accounts.
The standard Savings Account product for Argentina has been updated to use
the new activity, ATM cash deposit in USD currency.

The topic related to this feature is given below:

Taxes

Accounts » Remove Soft Property Class from

UVA Deposit
Available from: 202210
Complying with the Argentina regulations and following the macroeconomic
context of low taxes, UVA deposits try to stimulate investments in local currency,
offering an option that adjusts to the evolution of the prices.
This functionality allows banks to manage the UVA deposits without using the
soft property class.
New non-negotiable fields have been released as part of the
AA.PRD.DES.ACCOUNT application to store the Fixed Rate of Pre-cancellation
(TP) rate, currency market of TP rate, redeem notice period, redeem days
convention, redeem request date and amount to be paid in case of early
redemption.
New configuration records have been released as part of this functionality to
handle the UVA deposits without using the soft property class.

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The topic related to this feature is given below:

Accounts

Taxes » Decommission of Tax Exemptions

Available from: 202211
According to Argentinian regulation, there are several exemptions and special
conditions related to the calculation of turnover collection tax. They can depend
on the jurisdictions, events, holder’s combinations, thresholds etc.
This functionality allows the decommissioning of usage records in the Tax
Exemption Framework with the bank-specific products, properties, and activities.
This functionality also enables banks to create new records in the case of
emergencies through a streamlined approach.

The topic related to this feature is given below:

Taxes

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Australia Model Bank

NPP Cuscal Instant Payments Interface and

Address Resolution » Payments Interface
Available from: 202206
New Payments Platform (NPP) offers services like Pay Id management, address
resolution and faster payments. NPP Payments Partner (CUSCAL) is one of the
major service providers for NPP. CUSCAL clients, the indirect participants
connect with NPP via the CUSCAL Application Programming Interface (API’s).
This functionality allows banks to interface with the API’s to support CUSCAL
NPP requirements.
A new interface layer has been created to support a wide range of services
offered by NPP via CUSCAL. The API’s interfacing with CUSCAL are RESTful
API’s which have synchronous request and response messages.

The topic related to this feature is given below:

NPP Cuscal Instant Payments Interface and Address
Resolution

Withholding Tax and Trust Income Distributions

» Generic API's
Available from: 202206
This functionality allows users to manage the securities trades, portfolios income
expenses, securities tax profiles, securities income distributions, portfolios
income expense types, securities tax classes, fiduciary orders, securities income
withholding tax, securities master tax classes, entitlements withholding taxes and
stapled securities.
The following items have been released as part of this functionality:

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l The SEC.TRADE,AUWHTX.API.CREATE.ST.1.0.0 version allows banks

to create, update and retrieve a security trade.
l The AUWHTX.INCOME.DIST.ENTRY,INPUT version allows banks to
retrieve the details of an income distribution.
l The AUWHTX.INCOME.WHT.DETAILS,INPUT version allows banks to
retrieve the income and withholding tax details for other asset income.
l The AUWHTX.API.GET.CHILD.SECURITY.LIST.1.0.0 enquiry allows
banks to retrieve child security list for a parent stapled security.
l The AUWHTX.API.GET.YEAR.END.COMPONENT.VALUE.1.0.0 version
allows banks to retrieve year-end component values for entitlements.

The topic related to this feature is given below:

Withholding Tax and Trust Income Distributions

Australia Base » Generic API's

Available from: 202208
This functionality allows banks to manage the customer records for the AUBASE
module.
The following items have been released as part of this functionality:
l The CUSTOMER,AUBASE.API.ONBOARDING.CUSTOMER.1.0.0 version
is used to create and update an AUBASE customer record.
l The AUBASE.API.ONBOARDING.CUSTOMER.1.0.0 enquiry is used to
retrieve the customer details.

The topic related to this feature is given below:

Australia Base

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Address Interface » Generic API's

Available from: 202208
This functionality allows banks to manage the customer addresses for the
AUADRI module.
The DE.ADDRESS,AUADRI.API.ADDRESS.1.0.0 version has been released
as part of this functionality to allow users to create and retrieve a delivery address
for AUADRI.

The topic related to this feature is given below:

Address Interface

BPAY (Bill Payments) » Generic API's

Available from: 202208
This functionality allows banks to manage the standing order and payment order
pertaining to a bill payment.
The following items have been released as part of this functionality:
l The STANDING.ORDER,AUBPAY.API.STANDING.ORDER.1.0.0
version is used to create, update and retrieve the details of a standing order
pertaining to a bill payment.
l The PAYMENT.ORDER,AUBPAY.API.PAYMENT.1.0.0 version is used to
create a payment order for the bill payment.

The topic related to this feature is given below:

BPAY (Bill Payments)

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Loan Redraw » Generic API's

Available from: 202208
This functionality allows banks to manage the list of balances for the loan
redraws.
The LNRDRW.API.GET.LOANREDRAW.BALANCES.1.0.0 enquiry has been
created to allow users to retrieve details of the loan redraw balances like
currency, advance position, available amount, etc.

The topic related to this feature is given below:

Loan Redraw

Rate Lock » Generic API's

Available from: 202208
This functionality allows banks to manage loans with the reference of the Rate
Lock Id and to retrieve details of the various types of loans such as mortgage,
rate locks, loan redraw, etc.
The ARR.INTEREST,AURLOC.API.CREATE.RATE.LOCK.1.0.0 version has
been created to allow banks to create and update a loan with the reference of the
Rate Lock Id.

The topic related to this feature is given below:

Rate Lock

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Rate Lock
Available from: 202210
Rate lock is an agreement between a customer and a bank that allows the
customer to lock in the interest rate on a fixed rate loan over a specified time
period at the possibility of rising interest rates. If the advertised rate for the
customer’s chosen fixed rate period falls below their locked rate on their
settlement date, the customer will be given the lower of the current advertised
fixed rate and their locked rate. To provide this feature to the customers, bank will
charge a Rate Lock fee.
This functionality allows banks to simplify the process by only creating the loan
arrangement for the customer, where the user is able to capture the rate lock
information within the loan arrangement.
The customer is able to rate-lock in advance and for this rate to be firm
automatically applied if the actual rates on the day move in favor of the customer.

The topic related to this feature is given below:

Rate Lock

Lenders Mortgage Insurance » New API's

Available from: 202211
This functionality allows banks to update the details of the Lenders Mortgage
Insurance (LMI) policies, to change or remove LMI policy to loan associations.
With this functionality banks will also be able to generate the output reports, to
display the policy association and also to include the Insurance Status
Information.

The topic related to this feature is given below:

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Lenders Mortgage Insurance

Open Banking Account Information » API's

Available from: 202211
New APIs have been created to facilitate the interaction between the third-party
intermediary CUSCAL and Temenos Transact. The requests from the Accredited
Data Recipient (ADR) will reach the CUSCAL first and then will be forwarded to
Temenos Transact.
This functionality allows banks to retrieve the details of accounts, account
balances, customers, direct debits, payees, schedule payments, transactions,
and user agent records for the AUOBPZ module.

The topic related to this feature is given below:

Open Banking Account Information

Open Banking Account Information (AISP) »

Joint Holder
Available from: 202212
The open banking is the Consumer Data Right (CDR) as applied to the banking
industry. The Australian Competition and Consumer Commission (ACCC) is the
regulator of the CDR. With open banking, banks can choose to share their
banking data with third parties accredited by the Accredited Data Recipients
(ACCC) that must meet strict requirements to receive data. The ACCC has
mandated the banks to participate in open banking.
This functionality allow banks to share data for the individual account holders,
joint account holders, and secondary account holders.
The AISP can enquire the consents held by the customer to provide information

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to the Access Dashboard using the following process:

l The Third Party Provider (TPP) will check the customer active consents by
sending a request to the Account Servicing Payment Service Provider
(ASPSP) to fetch the customer’s consents which are in authorised status.
l The TPP will check the customer consents in other statuses by sending a
request to the ASPSP to fetch the customer’s consents which are in the
Awaiting Authorisation, Revoked, Rejected and Expired statuses.

The topic related to this feature is given below:

Open Banking Account Information (AISP)

Australia Base » Role Based Home Pages

Available from: 202301
This functionality allows bank users to view source and target loan details in the
loan Arrangement Overview screen.
The AUMB.NEW.SPLITS.MERGES.LOANS enquiry has been attached as a
composite screen in the Lending Overview screen to display the source and
target loan details.

The topic related to this feature is given below:

Australia Base

Australia Base » Account Number Generation

Available from: 202302
This functionality allows banks to automatically generate the account number for
each account contract created. The account numbers will be incremented as
defined in the CMBASE.ALTERNATE.ID.PARAM application and if required, a

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check digit will be calculated and appended to the pre-defined account sequence
number.
A configuration provision has been introduced in Temenos Transact to facilitate
the automatic generation of the account numbers in a numeric number format
where the starting number is defined by the bank and the system keeps
incrementing this number by one for every other account number that is
generated.

The topic related to this feature is given below:

Australia Base

Account Information APIs (AISP) » Joint Holders

Available from: 202302
This functionality allows banks to manage the joint account holders and
secondary users to provide their non-disclosure option or nominate secondary
users, to give authorisation for accounts and to share data.

The topic related to this feature is given below:

Account Information APIs (AISP)

NPP Cuscal Instant Payments Interface and

Address Resolution » NPP PayTo - Mandate
and Interface
Available from: 202302
This functionality allows banks to enable customers to authorise third parties to
initiate payments from their bank accounts.

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The following items have been introduced as part of this functionality:

l The Npp Allowed and Npp Payto Allowed fields have been added to the
ACCOUNT property class to allow users to amend the customer’s account
settings.
l The AUNPPC.API.AU.CUSTOMERID.RETRIEVE.1.0.0 enquiry has been
created to provide the customer Id details for a pay Id or account number to
the channels so that customers will be notified about agreements.

The topic related to this feature is given below:

NPP Cuscal Instant Payments Interface and Address
Resolution

Account Information APIs (AISP) » Joint Holders

Available from: 202303
This functionality allow banks to manage the details of the overall data sharing
status of the open banking accounts and create, revoke the customers
relationship based on the nomination status.

The topic related to this feature is given below:

Account Information APIs (AISP)

Lending » Flexible Repayment Based on the

Fixed Amount
Available from: 202303
This functionality allows banks to:

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l Create a request for the direct debit and set up the flexible repayment
amount through the direct debit.
l Set up an automatic repayment on the loan based on the customer request.
l Set up a flexible automatic repayment amount on the loan based on the
customer request.

The topic related to this feature is given below:

Lending

BPAY (Bill Payments) » Manage BPAY Biller

Details
Available from: 202304
BPAY is Australia’s most widely used bill payment service, which enables bill
payers to transfer funds electronically from their bank accounts to BPAY
registered billers. Cuscal, an Authorised Deposit-taking Institution (ADI), is
Australia’s leading provider of end-to-end payments solution. Cuscal supports
the processing of BPAY transactions. Temenos Payments Hub will act as
Cuscal’s BPAY payments processing system.
Businesses usually register themselves with the BPAY, which then allocates a
biller number to them. The BPAY biller service enables Cuscal to simplify the on-
boarding process of new billers.
This functionality supports the on-boarding and maintenance of new billers.

The topic related to this feature is given below:

BPAY (Bill Payments)

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Lending » Flexible Repayment Based on the

Fixed Amount
Available from: 202304
This functionality allows banks to manage the automatic repayment on the loan
arrangements based on the customer request.

The topic related to this feature is given below:

Lending

Lending » Multiple Loans and Package Pricing

Available from: 202304
This functionality allows banks to manage multiple fully featured loan accounts
within one package. Whenever a customer opens a fully featured home loan, an
annual fee will be charged. The payment schedule can be defined to charge a fee
based on the defined frequency. When a customer is changed, added or deleted
or the customer role is changed, a new loan package will be created or added to
the existing package.

The topic related to this feature is given below:

Lending

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Lending » Product Control Rules for Home

Loans
Available from: 202304
In Australia banking practice, for home loan products, for a certain period, a fixed
interest rate will be applied and post which it will be changed to a variable interest
rate based on the certain criteria.
This functionality allows banks to apply the system control on the home loan
product based on the interest rate type (fixed or variable), loan purpose and
payment type (such as Constant or Interest Only).

The topic related to this feature is given below:

Lending

China Model Bank

Customer Infrastructure
Available from: 202205
This module supports the creation of individual and corporate customers by
capturing the mandatory regulatory fields as per PBOC regulations.
Banks are able to capture the information requirements which are specific and
are required to be maintained by Chinese banks and raise the required validation
during the creation and maintenance of the customer record.
The following items are introduced as part of this functionality:
l The CUSTOMER,CNCUST.INDIVIDUAL version has been created to define
individual customers.
l The CUSTOMER,CNCUST.CORPORATE version has been created to define
corporate customers.

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The topic related to this feature is given below:

Customer Infrastructure

Matching Reversal
Available from: 202206
In China banking practice, matching reversal is a special functionality done to
track the outstanding balances of the designated accounts. This also helps a
bank to keep track of the transactions made using these accounts. Matching
reversal is the concept where a debit or credit made to a designated account is
matched with its respective contra entry at a later date. Usually, there is a
reference number generated when the initial entry is passed. This number is
used to match the entries when a contra entry is made.
This module allows users to define the parameter for matching reversal accounts
and also keep all the information for further enquiry.

The topic related to this feature is given below:

Matching Reversal

Cash and Till Processing

Available from: 202207
This module allows users to manage the cash flow from Popular Bank of China
(PBOC) to the headquarters or region and from there, further down to the
branches, and to handle the internal maintenance of the cash within the branch
after the cash is received from PBOC, for a smooth cash movement within the
branch and for other cash related internal operations like till set up, teller
assignment etc.
Also, with this module, users are able to define the cash limit at the company

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level, to modify the teller’s till attributes, and transfer funds between various
entities like PBOC, HQ, chief teller, and teller.

The topic related to this feature is given below:

Cash and Till Processing

Customer Infrastructure » SAFE Reporting

Available from: 202207
As CNY is not freely convertible, in China, business related to FCY are strictly
monitored by various departments of the China government, including the
National Development and Reform Commission (NDRC), Custom, Public Bank
of China (PBOC), State Administration of Foreign Exchange (SAFE), etc. in order
to control the Foreign Exchange Reserve in China. SAFE is the highest
organisation in China in charge of monitoring all the foreign currency business
and CNY Cross-border business in China (Hong Kong and Macau are allowed to
settle trading by CNY now) based on a series of related regulations for banking in
China.
The SAFE declaration includes the following information:
l International Balance of Payment Declaration (BOP related data).
l Information Declaration for the A/Cs in FCY (ACC related data).
l Information Declaration for BUY/SELL CNY transactions (JSH related
data).

This functionality allows banks to provide certain data to the reporting system.
The above reports will be handled by an external regulatory reporting system.

The topic related to this feature is given below:

Customer Infrastructure

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Teller Operations » Important Blank Voucher

Available from: 202209
The voucher status is part of an important blank voucher. As the stock teller
cannot differentiate between normal and to-be-destroyed important blank
voucher, the bank will setup virtual tills for yet to-be-destroyed important blank
vouchers. Whenever the bank wants to destroy the important blank voucher, the
system will transfer the relative voucher from normal to virtual yet to-be-
destroyed. Each branch has to set up its own virtual till for the yet to-be-destroyed
important blank vouchers.
This functionality allows banks to transfer important blank vouchers from the HQ
to branch, branch to HQ, branch to branch, between supervisors, supervisors to
tellers.

The topic related to this feature is given below:

Teller Operations

Limit and Collaterals

Available from: 202211
This module provides and maintains various limits for the customer. It also
captures the loan agreement information of the customer and accepts the
collaterals based on the loan facilities.
The Revoke Type field has been added to the LIMIT application to indicate the
revocation type of the limit. The available options in this field are Conditional
Revocable and Not Revocable.
New versions have been introduced as part of this module to define the secured,
unsecured, authorised and maintain limits.
New composite screens have been introduced as part of this module to display,
amend, reverse or delete the rejected, unauthorised and maintained limits.
The COLLATERAL,CNLICO.INP version has been introduced as part of this

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module to generate an event in the AC.LOCKED.EVENTS application to lock the

pledged amount.
The COS COLLATERAL.AUTH.CNLICO composite screen has been introduced
as part of this module to display, authorise and delete the unauthorised collateral
records.

The topic related to this feature is given below:

Limit and Collaterals

Teller Operations » Settlement

Available from: 202212
Transactions in the accounts are one of the essential functions of banks. These
transactions refer to cash deposits and withdrawals from the account and can be
done in different currencies. Money transactions also involve the transfer of funds
from one account to another. Selling and buying foreign currencies is also
required in the banking business. The settlement covers these different financial
transactions to move money into and out of accounts.
This functionality allows banks to handle transactions related to cash deposits
from an account, involving the transfer of funds from one account to another.

The topic related to this feature is given below:

Teller Operations

Teller Operations » Settlement

Available from: 202301
This functionality allows banks to perform cash deposits and withdrawal
transactions in both Foreign Currency (FCY) and Local Currency (LCY) for

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corporate customers.

The topic related to this feature is given below:

Teller Operations

Withholding Tax
Available from: 202301
This functionality allows banks to withhold tax on dividends for fixed income or
bonds, except Qualified Domestic Institutional Investor (QDII) bonds. However,
the Withholding tax (WHT) is required to be deducted as a tax based on the type
of bonds and whether the dividend income derived is by a resident or non-
resident investor.
The CNWHTX.TAX.DETAILS enquiry has been created as part of this
functionality to display the WHT collected for the customer.

The topic related to this feature is given below:

Withholding Tax

Deposits » Corporate Deposits

Available from: 202303
This functionality allows banks to manage corporate deposits like demand
deposits, time deposits, call deposits and agreement deposits. Also, this
functionality enables banks to perform some special operations on corporate
deposits.
New configuration records have been released as part of this functionality, to
allow the handling of corporate deposits.

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The topic related to this feature is given below:

Deposits

Teller Operations » Settlement

Available from: 202303
This functionality enables banks to perform cash deposit transactions in both
foreign currency (FCY) and local currency (LCY) for individual customers.

The topic related to this feature is given below:

Teller Operations

Deposits » Retail Deposits

Available from: 202304
Retail and Corporate deposits involve functionalities on different types of
demand deposits and time deposits in both CNY and FCY currency for
customers.
This functionality supports the creation and operations related to the demand,
time and call deposits for retail customers. Banks can handle the adjustment of
interest for partial withdrawals, the reversal of partial withdrawals and the term
deposits rollover.

The topic related to this feature is given below:

Deposits

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Deposits » Corporate Deposits

Available from: 202304
Retail and Corporate deposits involve functionalities on different types of
demand deposits and time deposits in both CNY and FCY currency for
customers. The Deposits module supports the creation and operations related to
demand and time deposits for customers.
This functionality enables banks to manage the interest accruals for the demand
and time deposits, the charges applied for a minimum account balance and the
dormancy charges for dormant accounts.

The topic related to this feature is given below:

Deposits

Limit and Collaterals

Available from: 202304
This functionality enables banks to validate the frozen fund information in the
collaterals during the updates and reversal of the collaterals details. New
versions and enquiries have been introduced as part of this module to allow the
handling of the collaterals locked events.

The topic related to this feature is given below:

Limit and Collaterals

Teller Operations » Daily Matching Enquiry

Available from: 202304

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In the current China banking practice, before the business closure, each user or
branch must enquire about transactions and accounting entries generated during
the day from all the modules. The purpose of this enquiry is to make sure every
transaction has been correctly processed and the accounting entries are
balanced. Otherwise, the branch cannot be closed for COB processing.
This functionality allows banks to manage the daily matching enquiry contents
and classifications, the entries for inter-branch transactions, and the non-
contingent and contingent transactions, performed during the day through the
branch’s counter.

The topic related to this feature is given below:

Teller Operations

Teller Operations » Settlement

Available from: 202304
This functionality enables banks to perform cash deposits and withdrawal
transactions in both foreign currency (FCY) and local currency (LCY) for
individual customers. Also, this functionality enables the facility to perform fund
transfers with cheques for corporate and individual customers. Also, this
functionality allows banks to buy or sell foreign exchanges for corporate
customers.

The topic related to this feature is given below:

Teller Operations

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Luxembourg Model Bank

Certificate of Interest Paid (COIP)

Available from: 202304
Depending on a country’s practice, the certificate is generated at the financial
year end or at the tax year end. While some countries have the same financial
year and tax year, certain other countries could have a different financial year
period and a different tax year period.
This functionality allows banks to generate the certificate of interest paid for the
loans, accounts, deposits and for a tax year also.

The topic related to this feature is given below:

Certificate of Interest Paid (COIP)

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Ethiopia Model Bank

Foreign Exchange Operations » Forex Permit

Number and Purchase Order Management
Available from: 202206
In the Ethiopian region, there is a prerequisite for the customers to have
permission from the appellant authority, like the Central Bank or the bank, for
doing an import or export transaction, such as import Letter of Credit (LC), export
LC, inward collections, outward collections and so on. This permission comes in
the form of a number called forex permit number or purchase order number.
This functionality allows banks to manage the forex permits issued along with the
corresponding transaction details and supporting document details that have to
be reported every Monday to the Central Bank.

The topic related to this feature is given below:

Foreign Exchange Operations

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France Model Bank

APR Calculation and Treasury Rates

Processing per French Regulation
Available from: 202209
This module allows users to calculate the TEG as per French regulations and
also as per Tunisian regulations. Additionally, now this module also supports the
calculation of TEG for bullet loans.
New fields have been introduced in the main parameter application
(FRTAEG.MAX.LEGAL.RATE.PRODUCT), where the bank can configure the
PRINCIPAL and INTEREST properties that will be considered from the cash flow
for the TEG calculation.
New configurations have been introduced where the bank can configure the
country codes that follow French regulations and country codes that follow
Tunisian regulations.

The topic related to this feature is given below:

APR Calculation and Treasury Rates Processing per French
Regulation

APR Calculation and Treasury Rates

Processing per French Regulation
Available from: 202212
This module allows banks to calculate the TEG/TAEG for loans or overdraft
accounts. The module also ensures that the calculated TEG or TAEG is always
less or equal than the MLR (Maximum Legal Rate).
Using this module, the charges will be automatically adjusted due to a decrease

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in the Maximum Legal Rate (MLR) or increase in the loan APR rate (TEG/TAEG
rate).
The Automatic Charge Adjustment field has been added to the REPORTING
property class, which will enable the system to automatically adjust the charges if
applicable.
The Arrangement Activity Exceptions enquiry has been introduced to allow users
to view unauthorised loans due to the MLR breach.

The topic related to this feature is given below:

Annual Percentage Rate Calculation

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Germany Model Bank

Taxation Interface to CPB SECTRAS » Trailer

Fee Reimbursement
Available from: 202207
This functionality allows banks to generate the SECTRAS messages for trailer
fees reimbursements that are paid to the customers. Temenos Transact will be
able to automatically credit the customer with the net settlement amount after
deducting the tax amounts based on SECTRAS's response. In case of
modification or cancellation to the trailer fee reimbursement transaction, banks
will be able to share the modification or cancellation information with the CE
interface file.
The DESCTX.SECTRAS.MODIFY.BULK.TR.FEE.REBATE enquiry has been
added to the menu of the Exception enquiry to list all the posted transactions
(transaction completed status in the DESCTX.SECTRAS.SCDX.TRANSACTIONS
staging application) for which there is a modification to an already posted
amount.

The topic related to this feature is given below:

Taxation Interface to CPB SECTRAS

Taxation Interface to CPB SECTRAS » DvP

Transfers
Available from: 202208
This functionality allows banks to capture the DvP transfers transaction in the
SEC.TRADE application. The DvP transfers are regular transfers that are done
with a broker which is not a Temenos Transact bank. Though the transactions
are captured in the SEC.TRADE application, the message that will be shared with

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CPB SECTRAS will be for transfer.

The SEC.TRADE,INPUT.DEMB version has been created as part of this
functionality to allow users to capture DvP transfers.

The topic related to this feature is given below:

Taxation Interface to CPB SECTRAS

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Global Model Bank

ATM Framework » Pre-Authorisation Processing

(Insufficient Funds)
Available from: 202211
This functionality allow banks to manage the partial authorisation process for
transactions that are originated from eligible or specific terminals.
In case of the insufficient funds, when the available balance is greater than zero
but less than the requested amount, the system will lock the amount up to the
extent of the available balance and the response message will reflect the locked
amount. The initiation is always done for a maximal amount, to prevent the
exceeding of the amount for the products or services, that customer can pay with
the card.
The following items has been introduced with this functionality:
l The Partial Auth Data element field has been added to the
ATM.PARAMETER application to specify the data element and position
where the partial authorisation codes are present in the ISO authorisation
request.
l The Partial Auth Code field has been added to the ATM.PARAMETER
application. It represents the value of the data element. The bank can
configure the function codes or indicators which are used to determine if the
message is eligible for partial authorisation.
l The Partial Auth Response Code field has been added to the
ATM.RES.CODE.TABLE application. This field is used to configure the
response message when an authorisation request is partially approved.
l The Partial Auth Flag field has been added to the ATM.TRANSACTION
application to specify whether an authorisation request is partially
authorised.

The topic related to this feature is given below:

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ATM Framework

ATM Framework » Repeat Messages

Available from: 202304
This functionality allow banks to handle the handle the repeat messages of x120,
x220 and x420 messages types.

The topic related to this feature is given below:

ATM Framework

ATM Framework » Transaction History

Available from: 202304
This functionality allow banks to handle the maintenance of the transaction
history in the ATM.TRANSACTION application.

The topic related to this feature is given below:

ATM Framework

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Hungary Model Bank

Warrants » Migration of Queued Fees, Charges,

Interests and Settled Data for Queue Items
Available from: 202205
This functionality allows banks to migrate to Temenos Transact the queued fees,
charges and interests that were generated in the legacy systems. Also, the
settled data for the queue items from the legacy system will be migrated to
Temenos Transact.
The following items have been introduced as part of this functionality:
l New fields have been added to the HUWRNT.WARRANT.REQUEST and
HUWRNT.WARRANT.REQ.HIST applications to allow the system to migrate
the settled information and to ensure that the queue collection is continued
for the pending amount of the warrant once the same is migrated.
l The HUWRNT.QUEUE.MAINTENANCE,REVOKE.QUEUE.ITEMS version
allows users to manually reverse the records when the migrated warrants
for which queue items are created erroneously on the accounts.
l The HUWRNT.REVOKE.QUEUE.ITEM.DETAILS enquiry allows users to
view the details of the reversed queue items.

The topic related to this feature is given below:

Warrants

Warrants » Screens Design

Available from: 202205
This functionality allows banks to view the General Interbank Recurring Order
(GIRO) account numbers for the payer in all screens related to enquiries and
versions in the queuing solution. The GIRO account numbers are considered a

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key in the selection criteria for enquiries wherever the payer account number
based search is possible in the queuing-related enquiries.
The following items have been introduced as part of this functionality:
l The Account Id Type field has been added to the
HUWRNT.QUEUE.PARAMETER application to allow users to specify the type
of the account Id defined for display in the queuing related enquiries and
versions.
l The HUWRNT.LIST.INV.BALANCES.HIST enquiry has been created to
allow users to view the list of bills that were in invoice (INV) balance earlier
but are now capitalised on the account after the completion of the
regulatory warrant.

The topic related to this feature is given below:

Warrants

Warrants » Manual Settlement Account Change

Available from: 202205
This functionality allows bank users to manually change the settlement account
after a queue item has been established and during the life of the queue item.
The HUWRNT.QUEUE.MAINTENANCE,SETTLEMENT.ACCOUNT.CHANGE version
has been created as part of this functionality to allow users to manually change
the settlement accounts.

The topic related to this feature is given below:

Warrants

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Warrants » Locking of Accounts

Available from: 202205
This functionality allows users to create a priority 3 lock even if a queue item
exists on the account (the Queue Available field is Yes in the account).

The topic related to this feature is given below:

Warrants

Warrants » MBW Eligibility

Available from: 202205
This functionality allows banks to validate the products in the hierarchy, whether
based on the product definition warrants can be accepted and processed on the
account. In most cases, the warrant eligibility is enough to define how all types of
warrants have to be handled. There are special-purpose accounts where only
Mandate Based Warrant (MBW) can be accepted and processed on the account
(neither Regulatory Warrant (RW) nor Bill of Exchange (BoE) is allowed). As the
differentiation will be set on the product level, the MBW eligibility validation has
been introduced into the primary validation functionality.
The following items have been introduced as part of this functionality:
l The Sub Type Classification field has been added to the
HUWRNT.QUEUE.TYPE application to allow users to specify the subtype
classification for the queue item.
l The MBW Eligibility field has been added to the XWARRANT.CHECK soft
property class to allow users to specify whether the product is eligible for
Mandate Based Warrant (MBW) collection.

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The topic related to this feature is given below:

Warrants

Warrants » Account Closing Interdependencies

with Queuing
Available from: 202205
This functionality allows banks to manage the account closing initiation
(irrelevant whether it is from the customer or bank) so that it will be stopped,
without the possibility to be reinitiated (the customer is informed about this fact), if
the account has:
l Criminal Block (CB type 7), Authority Block No Settlement (ABNoS type 8),
Authority Block (AB type 9) warrant queue on the account until it expires, is
cancelled or is completed.
l Loan queue, meaning that the Temenos Transact account’s replica is a
repayment account in the Equation System (EQ).

Any account closing initiation where there are queuing locks on the account
related to Mandate Based Warrant (MBW), Authority Warrant (AW), Remittance
Summons (RS) or Unauthorised Overdraft (UOD) will be stopped and can be
reinitiated the next day when the queuing locks have been settled.
Upon initiating the closure process, the activity API attached to the arrangement
closure process activity will check if the Queue Available marker on the
arrangement account is Yes. If it’s Yes, the system will check the type of queue
present on the account and will return an override or error based on the
functionality.

The topic related to this feature is given below:

Warrants

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Warrants » Completion Reason Codes

Available from: 202207
This functionality allows banks to communicate the responses from Temenos
Transact to the third party clearing system in the operation at the bank (PCS),
whenever a queue is completed, cancelled, or terminated due to various
reasons.
The following items have been introduced as part of this functionality:
l A new reason code has been created and updated in Temenos Transact for
various scenarios in the queuing solution.
l The HUWRNT.REJECTED.WARRANTS enquiry has been introduced to
allow users to view the warrants rejected during the primary validations.

The topic related to this feature is given below:

Warrants

Warrants » Daily Report of Forced Collections

Available from: 202207
This functionality allows banks to view the report with the details of the forced
collection of regulatory warrants by reversal of the Unauthorised Overdraft (UOD)
settlements on the expiry date of the warrant. As per the Hungarian regulations, if
any UOD fees, charges, or interest is collected by the bank on the payer account
during the queue period of the regulatory warrant, then such UOD collection will
be reversed and forced settled towards the Regulatory Warrant (RW) if the
warrant is not fully settled on the expiry.
The HUWRNT.FORCED.COLLECTION.REPORT.RW enquiry has been created
as part of this functionality to allow users to view the forced collection report of
regulatory warrants.

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The topic related to this feature is given below:

Warrants

Warrants » Exempt Amount Calculation

Available from: 202207
This functionality allows banks to calculate the exempt amount excluding the
accounts that have posting restrictions. Also, posting restrictions are removed
from a queuing account so that the system will lock the account and update the
pending amount and total locked amount in the HUWRNT.QUEUE.ITEMS
application.

The topic related to this feature is given below:

Warrants

Warrants » Queuing UOD's in Accounts on

Balance Basis
Available from: 202207
The amount drawn over and above the sanctioned limit, in case of overdraft
accounts, and any debit balance in case of accounts without a sanctioned limit is
termed as Unauthorised Overdrafts (UOD).
This functionality allows banks to manage the unauthorised overdraft when this
one exists on an account. If the UOD is not regularised and the UOD amount
increases due to the capitalisation of charges and (or) interest, the same queue
will be retained and the queue amount will be increased to reflect the outstanding
debit balance in the account. The HUWRNT.QUEUE.ITEMS application will be
updated with the total or pending payment amount, along with the original date
when the account was overdrawn.

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The topic related to this feature is given below:

Warrants

Warrants » Shared Limits

Available from: 202207
This functionality allows banks to add, increase, decrease, remove and cancel or
handle the expiry limits in the queuing solution, and handle limits that are shared
between multiple accounts of a customer.
The update limit activity in the Arrangement Architecture (AA) will handle the limit
added to the account. An activity API is attached to the update limit activity. The
activity API will be triggered upon the limit addition. This API will refer to the
HUWRNT.QUEUE.ITEMS and HUWRNT.CUS.QUEUE.INFO applications. The API
will fetch the arrangement account and customer Id and will refer to the
applications above to find if a queue item exists on the account or on extended
accounts. If an entry is found in the applications above and there is an active
queue item, the API will check the queue type of the queue item.

The topic related to this feature is given below:

Warrants

Transaction Fees » Free of Charge Transaction

Declaration
Available from: 202208
This functionality allows banks to have their own residence eligibility check.
The Cus Res Check Routine field has been added to the
HUTXNF.FREE.TXN.PARAM application to allow users to attach a local routine
which will determine if the customer is resident or not.

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The topic related to this feature is given below:

Transaction Fees

Warrants » Account Closing Interdependencies

with Queuing
Available from: 202208
This functionality allows banks to view the queuing related errors or overrides at
the simulation stage when the user tries to close the payer or external account.
Priority 3 locks reversed by the queuing solution are stored in a background
application. When the user tries to initiate the closure simulation, if still priority 3
locks exist in the background application, the system will display an error to the
user mentioning that the priority 3 locks exist and they need to be handled before
closure.
When the account closure simulation is initiated, in case if there exists any
Unauthorised Overdraft (UOD) queue on the payer, the system will display an
override stating that there should not be any queuing related locks in the payer
and extended accounts.

The topic related to this feature is given below:

Warrants

Warrants » Usage of Available Balance

Available from: 202209
This functionality allows banks to handle the modified existing lock amounts
pertaining to normal queue items (loan repayments, Mandate Based Warrant
(MBW) or Bill of Exchange (BoE) warrants) whenever there are charges, interest
or fees capitalised in the account.

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Credits received from the extended accounts are not additional funds so they will
not be considered for the exempt amount calculation and warrant settlement.

The topic related to this feature is given below:

Warrants

Transaction Fees » Financial Transaction Levy

Fee
Available from: 202212
This functionality allows banks to calculate the levy fee for direct debit
transactions below HUF 20000.
The Exempt Eligible Trans Code and Exempt Amount fields have been added to
the HUTXNF.LEVY.PARAMETER application to allow users to configure
transaction codes for which the exempt amount does not apply and transaction
codes which have a different exempt amount (other than HUF 20000).

The topic related to this feature is given below:

Transaction Fees

Warrants » Queue Handling the Fees

Available from: 202303
The queue item fee is charged whenever a warrant type is placed in an account
and it has been queued. This functionality allows banks to manage the
exceptions of applying the queue item fees for the warrant types.

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The topic related to this feature is given below:

Warrants

Warrants » Partial Settlement for CB and ABNos

Available from: 202303
This functionality allow banks to update the Authority Block with no Settlement
(ABnoS) and Criminal Block (CB) warrant records, if partial settlement is made
manually without cancelling the warrant.

The topic related to this feature is given below:

Warrants

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India Model Bank

Structured Financial Message System (SFMS) »

Date Format Change in Tag 33A
Available from: 202206
The Structured Financial Messaging System (SFMS) is a secure messaging
standard that serves as a platform for intra-bank and inter-bank applications like
National Electronic Funds Transfer (NEFT), Real Time Gross Settlement
(RTGS), and so on. It is an Indian standard that is similar to the SWIFT (Society
for Worldwide Interbank Financial Telecommunication) standard used for
financial messaging globally.
This functionality allows banks to generate and consume SFMS messages and
associated governance, maker or checker.

The topic related to this feature is given below:

Structured Financial Message System (SFMS)

Structured Financial Message System (SFMS) »

Outgoing IFN707 Tag 34B
Available from: 202206
This functionality allows banks to generate the IFN 707 34B tag outgoing
messages.
When the system generates the SFMS message, the SWIFT MT 707 34B tag will
not be displayed. In the LETTER.OF.CREDIT application, the Lc Amount and Lc
Currency fields for the 34B tag are mapped and populated with the same values
in the message.

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The topic related to this feature is given below:

Structured Financial Message System (SFMS)

Lending Compliance » NPA Validations and

Calculations
Available from: 202210
Complying with the latest RBI regulations, income recognition must be objective
and based on the record of recovery.
This functionality allows banks to reverse the interest already charged and not
collected by debiting the Profit and Loss (P&L) account, stop the further
application of interest for an account turning Non-Performing Asset (NPA),
update the classification status in the account applications to facilitate flow to
downstream systems, automatically propagate the customer classification
across all his accounts and suspend the interest for all the accounts of the NPA
customer, including the standard assets. DPD calculation and ageing are
enabled for out-order accounts, too.
New fields have been introduced as part of this functionality to the
INLEND.AA.PARAMETER application, to configure the interest suspense internal
account and AC.INWARD.ENTRY records.
New fields have been introduced as part of this functionality to the
AA.PRD.DES.ACCOUNT application, to store the actual asset classification of the
loan contract and the worst classification of the contract at the customer level.

The topic related to this feature is given below:

Lending Compliance

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Goods and Services Tax

Available from: 202211
This functionality allows banks to collect the Goods and Services Tax (GST) from
charges, as part of the cheque issue process and from charges levied on an
account.
The Txn Gstin field holds the GSTIN of the customer on whom the GST is levied.
A value in this field precedes the default GSTIN, if it is available in the
arrangement account and the state is available in the customer application, while
determining the place of supply for GST calculations.

The topic related to this feature is given below:

Goods And Services Tax (GST)

Goods and Services Tax

Available from: 202212
This functionality enables banks to manage the GST exemption of transactions
made by an assessee whose GSTIN is issued for an entity located in the Special
Economic Zone (SEZ) and to support the refund of commission and GST, or GST
alone, which was collected earlier.

The topic related to this feature is given below:

Goods And Services Tax (GST)

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Lending Compliance » NPA Validations and

Calculations
Available from: 202301
The INLEND.NPA.OVERDRAFT.LIST enquiry has been introduced as part of
this functionality to display the details of the INLEND.NPA.OVERDRAFT records.

The topic related to this feature is given below:

Lending Compliance

Goods and Services Tax

Available from: 202301
This functionality enables banks to manage the GST exemption of transactions
made by an assessee whose GSTIN is issued for an entity located in the Special
Economic Zone (SEZ) and to support the refund of commission and GST, or GST
alone, which was collected earlier.

The topic related to this feature is given below:

Goods And Services Tax (GST)

Goods and Services Tax

Available from: 202302
This functionality allows banks to refund the GST collected in transactions
through the FUND.TRANSFER application.

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The topic related to this feature is given below:

Goods and Services Tax

Goods And Services Tax (GST) » Block the

Update of TAXREG.GST.DETAILS for Refund
Transactions
Available from: 202304
When refund of commission or tax is done using designated version of FT, the
refund FT details are also stored in the TAXREG.GST.DETAILS application.
Based on the switch value in TAXREG.PARAMETER, the refund FT details will
either be updated in TAXREG.GST.DETAILS or not.
This functionality allows banks to block the update of the
TAXREG.GST.DETAILS application for refund transactions.

The topic related to this feature is given below:

Goods And Services Tax (GST)

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Italy Model Bank

Customer Account and Transactional Data for

Regulatory Reporting » Bank Transfers Reports
Available from: 202301
It is a regulatory requirement that banks in Italy have to send Puma reports to the
Bank of Italy on a quarterly basis.
The Puma reporting consists of different type of reports which are to be reported
to the regulatory on a quarterly basis, the reports are Account Opening, Account
Expenses, Home Banking, Portfolio Management, Bank Transfers and Transfer
of Balances.
This functionality allows banks to extract and send particular type of payment
transactions which are performed for that quarter in the Bank Transfers report as
part of Puma reporting.
The purpose of the Bank Transfer report is to give the details of particular type of
transactions to the Central Bank. This report is extracted for the payment
transactions of SEPA credit transfer and SEPA credit transfer instant, phone
number top up, prepaid card top up and on us transactions.

The topic related to this feature is given below:

Customer Account and Transactional Data for Regulatory
Reporting

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New Zealand Model Bank

Customer and Account Infrastructure » Account

Number Validation
Available from: 202206
This functionality allows banks to capture the Particulars Code Reference (PCR)
details on a disbursement which are required by banks in New Zealand to
process any disbursements or payments. New fields have been added for the
XNZ.ADDITIONAL.INFO external property class to enable the user to choose
whichever is required in the corresponding products, related to account number
validation and deposits reinvestment instructions.

The topic related to this feature is given below:

Customer and Account Infrastructure

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Saudi Arabia Model Bank

Account Infrastructure » Teller Functionality

Available from: 202205
This functionality allows banks to parameterise the cash retention limits, the
maximum and the minimum for each branch and its vault, to view the daily
balance of the branch with the cash exceeded %, reported to the upper branch
limit, and the cash position of a particular teller, in all currencies supported by the
teller.
The following items have been released as part of this functionality:
l The SAACIN.TELLER.BLOTTER enquiry is used to list the cash position of
a particular teller in all currencies supported by the teller along with the
transactions of that teller during the day.
l The SAACIN.BRANCH.POSITION enquiry is used to view a list with the
branch, teller, and vault and ATM positions.
l The REPORT.LIST enquiry is used to display past date reports based on
the value entered by the user in the selection criteria.

The topic related to this feature is given below:

Account Infrastructure

Account Infrastructure » Account Opening Rule

5
Available from: 202211
This functionality allows banks to adhere to the Account Opening Rule (AOR) 5th
edition released by the Saudi Arabian Monetary Agency (SAMA), with the new
changes about account opening.
New configuration records and products have been released as part of this

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functionality to allow banks to handle the account opening conditions for various
types of accounts in Saudi Arabia and the methods in which the restrictions have
been placed.

The topic related to this feature is given below:

Account Infrastructure

Account Infrastructure » Account Opening Rule

5
Available from: 202212
This functionality allows banks to apply the Account Opening Rule (AOR) 5th
regulation related to Saudi nationals, customers holding foreign and Saudi
passports, and expatriate residents under temporary residence in the work Visa.
New configuration records and validations have been released as part of this
functionality to allow users to manage the customer’s creation holding different
types of legal documents.

The topic related to this feature is given below:

Account Infrastructure

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Tunisia Model Bank

Foreign Currency Operations » Business Travel

Allowance
Available from: 202205
This functionality allows users to mark the customer records for which all the
movements and beneficiary record have to be re-generated using the
TNFCOP.MOVE.BENEF.REGENERATION application.
The following items have been released as part of this functionality:
l The TNFCOP.MOVE.BENEF.REGENERATION application is used to mark
the customer records for which all the movements and beneficiary record
have to be re-generated.
l The TNFCOP.AVA.REGENERATE service uses the same logic as the
TNFCOP.AVA.SERVICE.MOVEMENTS service with an addition filter that
is generated only for the rejected records. All the rejections are marked in
the TNFCOP.MOVE.BENEF.REGENERATION application.
l The TNFCOP.AVA.BENEFICIARY application is used to link a beneficiary
to an Business Travel Allowance (AVA) record.

The topic related to this feature is given below:

Foreign Currency Operations

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UK Model Bank

Financial Services Compensation Scheme

(FSCS) » FSCS Summary Report
Available from: 202205
This functionality allows banks to view a summary of all the customer and
account details for the bank that are eligible for FSCS reporting.

The topic related to this feature is given below:

Financial Services Compensation Scheme (FSCS)

Open Banking Account Information » Decouple

the AIS and PIS Payment Service User (PSU)
from Temenos Transact
Available from: 202205
Temenos Transact Account Access APIs help customers to access their account
details through any authorised Third Party Provider (TPP) interface that connects
to the bank. These APIs are based on the UK Open Banking Implementation
Entity (OBIE) standards as defined as part of the Revised Payment Service
Directive 2 (PSD2).
The Account Servicing Payment Service Provider (ASPSP) connects to Infinity
Spotlight database to validate the PSU login. Once the authentication is
successful, the unique user Id of the Payment Services User (PSU) will be
received in response from the Spotlight. Now the PSU is now known by the
ASPSP.

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The topic related to this feature is given below:

Open Banking Account Information

Other Interest Report

Available from: 202207
Her Majesty’s Revenue and Customs (HMRC) requires banks to share the Other
Interest (OI) Returns generated for the customers. This report will contain the list
of all transactions where the customer has generated an Income as a result of an
underlying corporate action on the portfolio. This report will include/report the
transactions of all single holders and joint holders who co-own the portfolio. Also,
with regard to Other Interest (OI) Reporting, a reportable individual customer is
someone with a residential address in the United Kingdom. The information
represented in the Other Interest (OI) Return makes sure that self-assessment
tax returns are accurate and complete.
This module allows banks to generate the other interest report which holds the
list of account owners who have benefited from a corporate action event.

The topic related to this feature is given below:

Other Interest Report

Individual Savings Accounts – Cash ISAs

Available from: 202208
This module allows users to access the Find Account, Find Individual Savings
Account (ISA) and Find ISA Transfer menus for the ISA accounts for UK.
New enquiries have been introduced as part of this module to display details
related to the ISA accounts, as well as the ISA deposits.

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The topic related to this feature is given below:

Individual Savings Accounts – Cash ISAs

Open Banking Account Information

Available from: 202208
The Temenos UKOBPZ module provides a set of APIs to support the Temenos
client offering account information services for the Third Party Providers (TPPs)
according to the UK Open Banking standards.
This module allows users to handle the status of the consent requests. A
Payment Services User (PSU) selects at least one account from the list to
approve or reject the consent request. If the PSU has rejected the consent
request, the consent resource will be moved to Rejected status, and retained in
the system. In case the PSU approves the consent request, the consent resource
will be moved to Authorised status and updated with the list of the accounts
selected by the PSU.

The topic related to this feature is given below:

Open Banking Account Information

Open Banking Account Information

Available from: 202209
This module allows users to handle the status of the consent requests. To
provide the consent details of the customer in the Access Dashboard, the Third
Party Provider (TPP) will send a request to the Account Servicing Payment
Service Provider (ASPSP) to fetch the list of the authorised, unauthorised,
rejected, revoked and expired consents belonging to that customer.

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The topic related to this feature is given below:

Open Banking Account Information

Open Banking Payment Initiation

Available from: 202209
This module provides a set of APIs to support the Temenos client offering
payment initiation services for Third-Party Providers (TPP) according to the UK
Open Banking standards. The APIs allows a TPP to create consent resource and
payment resources and request the status of both.

The topic related to this feature is given below:

Open Banking Payment Initiation

Other Interest Report

Available from: 202210
Her Majesty’s Revenue and Customs (HMRC) requires banks to share the Other
Interest (OI) Returns generated for the customers. This report will contain the list
of all transactions where the customer has generated an Income as a result of an
underlying corporate action on the portfolio. This report will include/report the
transactions of all single holders and joint holders who co-own the portfolio. Also,
with regard to Other Interest (OI) Reporting, a reportable individual customer is
someone with a residential address in the United Kingdom. The information
represented in the Other Interest (OI) Return makes sure that self-assessment
tax returns are accurate and complete.
This module allows banks to generate the Other Interest report which holds the
list of account owners who have benefited from a corporate action event.

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The topic related to this feature is given below:

Other Interest Report

Individual Savings Accounts – Cash ISAs »

Composable Banking
Available from: 202212
This module is now available as a composable solution. As a composable
solution, it encompass all the life cycle events related to ISA, JISA or APS
products beginning with the account opening, account maintenance, subscription
credits and withdrawals until account closure.
This functionality is a UK flavor of the account Temenos Banking Capability
(TBC) that complement the standard set of functionalities available under the
core account TBC framework.

The topic related to this feature is given below:

Individual Savings Accounts – Cash ISAs

Open Banking Account Information » Open

Banking API Integration with Infinity
Available from: 202212
The UKOBPZ module provides a set of APIs to support the Temenos client
offering Account Information Services (AIS) according to the UK Open Banking
standards.
This functionality allows banks to manage how consent, once given by the
Payment Service User (PSU), can be revoked. An API to the Online Banking
User Agent has been created that allows the User Agent to create a JWT

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authorisation token that contains the Payment Service User Id (UserId) and the
ConsentId.

The topic related to this feature is given below:

Open Banking Account Information

Open Banking Payment Initiation » Open

Banking API Integration with Infinity
Available from: 202212
The UKOBPX module provides a set of APIs to support the Temenos client
offering Payment Initiation and Confirmation of Funds Services (PIS and CoF)
according to the UK Open Banking standards.
This functionality allows banks to manage how consent, once given by the
Payment Service User (PSU), can be revoked. An API to the Online Banking
User Agent has been created that allows the User Agent to create a JWT
authorisation token that contains the Payment Service User Id (UserId) and the
ConsentId.

The topic related to this feature is given below:

Open Banking Payment Initiation

OBIE Payment Initiation APIs (PISP) » Capture

the External Consent ID and Consent Deletion
API
Available from: 202301
Once the Payment Service User (PSU) has provided the consent, the Account

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Information Service Provider (AISP) can request the account information from
the Account Servicing Payment Service Provider (ASPSP). The validity of the
consent can has-the current or an expiry date. If the consent expired, the AISP
will no longer have access to it. If the PSU decides to revoke the consent before it
expires, then the consent will be marked as a consent deletion. However, the
consent resources held by the ASPSP are never physically deleted, their status
will be changed to Revoked instead to allow the enquiry of historic data.
This functionality allows the PSU to view and revoke consent at the AISP.

The topic related to this feature is given below:

OBIE Account Information APIs (AISP)

OBIE Payment Initiation APIs (PISP) » Capture

the External Consent ID and Consent Deletion
API
Available from: 202301
Once the Payment Service User (PSU) has provided the consent, the Account
Information Service Provider (AISP) can request the account information from
the Account Servicing Payment Service Provider (ASPSP). The validity of the
consent can has-the current or an expiry date. If the consent expired, the AISP
will no longer have access to it. If the PSU decides to revoke the consent before it
expires, then the consent will be marked as a consent deletion. However, the
consent resources held by the ASPSP are never physically deleted, their status
will be changed to Revoked instead to allow the enquiry of historic data.
This functionality allows the PSU to view and revoke consent at the AISP.

The topic related to this feature is given below:

OBIE Payment Initiation APIs (PISP)

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Direct Debit Mandate Processing » AUDDIS and

ADDACS Reports
Available from: 202302
With this functionality, a new report format has been introduced and both the
Automated Direct Debit Instruction Service (AUDDIS) bank return and
Automated Direct debit Amendment and Cancellation Service (ADDACS) reports
will be received in an .XML format by the bank, which can be processed
automatically during the Close of Business Day (COB) process or can be
executed manually. Once the .XML files are placed in the respective folders by
the bank, Temenos Transact services will process the files.

The topic related to this feature is given below:

Direct Debit Mandate Processing

Individual Savings Accounts – Cash ISAs »

UKISA in Composable Banking
Available from: 202302
This functionality allows banks to use business events for monitoring
IsaArrangements.

The topic related to this feature is given below:

UKISA in Composable Banking

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Direct Debit Mandate Processing » AUDDIS and

ADDACS Reports
Available from: 202303
This functionality allow banks to parameterise and validate the payment types
related to a loan arrangement available in Temenos Transact.
The UKDDMP.PARAMETER application has been introduced as part of this
functionality to allow banks to configure the payment types which are supported
by the financial institution. The configured values are used to validate the
payment types of the loan arrangement in order to establish a link or a delinking
between the DD mandate and loan arrangement.

The topic related to this feature is given below:

Direct Debit Mandate Processing

CRS Reporting for UK

Available from: 202304
The UK Common Reporting Standard (CRS) is a set of guidelines for the
automatic exchange of financial account information between countries,
developed by the Organisation for Economic Co-operation and Development
(OECD). The CRS is designed to combat tax evasion by making it easier for
governments to identify and track offshore financial assets.
This module is an extension of the CRS reporting modules in Regulatory
Compliance to fulfill the UK requirements. It generates the Common Standard
Report based on the UK CRS specifications and submit it to the regulatory.

The topic related to this feature is given below:

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CRS Reporting

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United States Model Bank

ACH Framework » ACH Reversal Posting Early

Deposit Items
Available from: 202205
This functionality provides the ability to process Automated Clearing House
(ACH) reversal entry earlier than settlement date for ACH credit that has been
posted early and later reversed from Origination Data Financial Institution
(ODFI), so that funds can be captured before the customer has the opportunity to
spend.

The topic related to this feature is given below:

ACH Early Direct Deposit

ACH Framework » Procedures

Available from: 202206
This functionality allows banks to process COR type messages so that IF events
will be generated to send notifications of changes to the customers, amending
existing recurring payment information and recipient information captured in
Temenos Transact.

The topic related to this feature is given below:

ACH Framework

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ACH Framework » ACH Automatic Returns

Available from: 202207
This functionality allows banks to manage the automatic returns of incoming
transactions in exception. Based on the type of exception faced, the appropriate
return code will be populated in the payment and returned at the time of cut-off if
no manual intervention has been done to correct and post or return the exception
transaction.
An optional flag has been introduced in the clearing parameter to allow users to
choose if the automatic return is required, and if required, the user can choose to
return only debit transactions, only credit transactions or both debit and credit
transactions.

The topic related to this feature is given below:

ACH Framework

ACH Framework » ACH Credit Exception

Account Missing
Available from: 202207
This functionality allows banks to view credit transactions with incorrect credit
accounts and make decisions to either post or return those transactions.
Users have the option to select the transactions in the exception queue failed for
the invalid account reason and to process the transaction with the correct
account number.

The topic related to this feature is given below:

ACH Framework

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ACH Framework » Stop Payment for ACH

Available from: 202208
This functionality allows banks to stop payments for ACH debits to the customers'
accounts based on the excepted debit amount or amount range and the
originating company Id.

Stop payment mapping rules have been added to the incoming debit product to
automatically validate stop payment requests on the debit account.

The topic related to this feature is given below:

ACH Framework

ACH Framework » Funds Availability Based on

Pending Days
Available from: 202209
This functionality allows banks to maintain an adequate risk by applying a hold on
available funds obtained through ACH debit initiation based on hold days
provided by the internal or client’s partner’s risk scoring system.

The topic related to this feature is given below:

ACH Framework

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US Real Time Gross Settlement » Fedwire

Return File Generation
Available from: 202210
The incoming Fedwire transactions which are successfully processed or failed in
the payment system due to errors in information passed or due to restrictions on
accounts are placed in the exception queue along with the exception reason.
It is possible to correct the payment information and proceed with the completion
of the payment or, the payment can be returned by choosing the appropriate
return reason. Once the return transaction is authorised, the returns are included
in the outward file to be sent to Fedwire.
The incoming Fedwire transactions which are successfully processed can be
returned based on the decision taken by the receiving customer, bank user, or
reversal request from the originator.
This requirement covers the processing of the outgoing Fedwire return
transactions from exception, history, or nonvalue message queues.
The return transaction file should have the type code 1002 or 1008 or 1602 or
1608 in the tag 1510.
Same-day transactions are to be returned with the code XX02 and previous-day
transactions with code XX08.
The return file should have the return reason to be updated in tag 6500.

The topic related to this feature is given below:

US Real Time Gross Settlement

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ACH Framework » Same Day ACH Debit via DB

Application
Available from: 202210
This functionality allows users, customers or merchants to pull funds from
external bank accounts within the same day via the DB collection application.

The topic related to this feature is given below:

Same Day ACH Debit via DB Application

ACH Framework » RDFI File Processing

Available from: 202211
A new upload service has been introduced to split the NACHA file and upload it
efficiently into the ACH warehouse.
This functionality allows users to configure the same ABA into multi companies in
Temenos Transact. The system will check the account number in each matching
Temenos Transact company and route the transaction to the company where the
account exists.

The topic related to this feature is given below:

ACH Framework

US Core » NAICS Codes Conversion Utility

Available from: 202211
This functionality allows banks to update existing customer records with new

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North American Industry Classification System (NAICS) codes, in case of

periodical changes to the NAICS codes.

The topic related to this feature is given below:

US Core

US Real Time Gross Settlement » Fedwire

Multi-Level Intermediary
Available from: 202211
This functionality provides the ability to initiate a wire transfer where the
beneficiary's FI maintains an account relationship at a correspondent bank,
intermediary bank or receiving FI (direct Fedwire Funds Service (FFS)
participant), initiate a wire transfer where the beneficiary's FI uses an
intermediary bank that maintains an account relationship at a correspondent
bank or receiving FI and initiate a wire transfer where the beneficiary's FI's
intermediary bank maintains an account relationship at a correspondent bank or
receiving FI (direct FFS participant).

The topic related to this feature is given below:

US Real Time Gross Settlement

US Real Time Gross Settlement » Wire

Drawdown Request - Straight Through
Processing
Available from: 202211
This functionality allows banks to process the drawdown transfer automatically,

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thereby improving the payment efficiency and reducing manual work for repeated
payment processing.
This feature has been introduced to the US Fedwire payment processing to
capture drawdown authorisation or mandate to debit the customer account in our
books and credit an external account, while processing an incoming drawdown
request (DRC/DRB).
The new feature facilitates the creation of drawdown authorisation or mandate by
a customer or by the back-office user, allowing the financial institute to accept the
drawdown request from the specified external account, through the given routing
number, within an amount range, to be automatically validated and send an
outgoing drawdown transfer message.

If the mandate does not match, or does not exist for the received external
account (credit account), routing number, amount captured, the drawdown
request will be marked for manual processing.

The topic related to this feature is given below:

US Real Time Gross Settlement

US Real Time Gross Settlement » Fed Funds

Sold and Returned
Available from: 202212
This functionality allows users to initiate and receive Fed Funds sold or returned.

The topic related to this feature is given below:

US Real Time Gross Settlement

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US Real Time Gross Settlement » Future Dated

Wire Payments
Available from: 202212
This functionality allows banks to manage future dated payments for fed wire
payments. Future dated payments will be warehoused and moved for processing
on the future date.

The topic related to this feature is given below:

US Real Time Gross Settlement

US Real Time Gross Settlement » Incoming

Fedwire with Ultimate Creditor
Available from: 202212
This functionality allows banks to receive incoming wires for another bank or
investment company that holds an account in our books and the ultimate creditor
on the incoming wire may not be our customer.

The topic related to this feature is given below:

US Real Time Gross Settlement

US Real Time Gross Settlement » Outgoing

Wire with Ultimate Debtor
Available from: 202212
This functionality allows users to initiate outgoing wires that debit our customer’s

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account or general ledger that may also include an ultimate debtor or originator
that is not our customer.

The topic related to this feature is given below:

US Real Time Gross Settlement

US Real Time Gross Settlement »

Preauthorised Drawdown Request (DRC/DRB)
Available from: 202212
Debit and credit party details from incoming drawdown requests will be defaulted
automatically to the drawdown refusal message that is being initiated from the
pending drawdown request queue.
This functionality allows banks to make sure there are o data errors in the
message being sent out by using the defaulting information from the received
request.
The workflow has been enhanced for incoming drawdown requests.
Drawdown requests that do not go through straight through processing will be
available for manual action through the Fedwire operations menu, the pending
drawdown request queue.
A drawdown refusal can be sent for a pending request. The information from the
received request will be automatically defaulted in the refusal screen.

The topic related to this feature is given below:

US Real Time Gross Settlement

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US Real Time Gross Settlement »

Preauthorized Drawdown Requests
Available from: 202301
This functionality allows users to initiate a drawdown refusals, transfers from the
pending requests

The topic related to this feature is given below:

US Real Time Gross Settlement

US Real Time Gross Settlement » CLABE

Validation
Available from: 202301
This functionality allows banks to manage Mexican beneficiaries, validate the
format and verify the correctness of the check digit of the CLABE number.

The topic related to this feature is given below:

US Real Time Gross Settlement

US Real Time Gross Settlement » Daily Wire

Balance Report
Available from: 202301
This functionality allows banks to view the summary of debit and credit wire
transactions posted for each day against their status. It is possible to group the

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items by message type if required.

The topic related to this feature is given below:

US Real Time Gross Settlement

Core » ATM Locking Period and Date

Available from: 202302
This functionality allows banks to manage locking periods on the pre-
authorisation ISO messages sent in the data element 57, specifying the time and
period for which an account will be locked.

The topic related to this feature is given below:

Core

Core » Partial Authorisation

Available from: 202302
This functionality allows banks to manage the partial authorisation for the
transactions that are originated from eligible or specific terminals. In case of
insufficient funds (available balance greater than zero but less than the
requested amount), the system will lock the amount up to the extent of available
balance so the response message will reflect the locked amount and the
response code will inform that the transaction is partially authorised.

The topic related to this feature is given below:

Core

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Real Time Gross Settlement » Correspondent

Banking - Indirect Participant Account
Relationship
Available from: 202302
This functionality allows banks to manage the processing of incoming wires
received for respondent institutions.

The topic related to this feature is given below:

Real Time Gross Settlement

Core » Multiple Settlements

Available from: 202303
This functionality allows banks to manage multiple settlement requests based on
a single authorisation request.

The topic related to this feature is given below:

Core

Real Time Gross Settlement » Automatic

Correction of Account Number
Available from: 202303
Incoming credit account numbers in Fedwire messages are sometimes
incorrectly sent with leading zeros or prefixed with the routing number of the

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recipient financial institute.

This functionality allows financial institutes to manage the removal of leading
zeros and routing numbers. Correction routines have been added to the Fedwire
parameter to automatically correct the account number in incoming payments.

The topic related to this feature is given below:

Real Time Gross Settlement

Real Time Gross Settlement » Fedwire Initiation

with Beneficiary FI BIC
Available from: 202303
This functionality allows banks to initiate payments from the Payment Hub (PH)
where the beneficiary Financial Institution (FI) is a domestic institution that can
be identified either using the routing number or Bank Identifier Code (BIC) code.

The topic related to this feature is given below:

Real Time Gross Settlement

Real Time Gross Settlement » Fedwire Return

File Generation
Available from: 202303
This functionality allows banks to automatically update the correspondent bank
for an ineligible routing number into the correct field in the wire transfer, if the
correspondent bank is configured. Also, the wire transaction will be moved to the
repair status for operator intervention, if the correspondent bank is not known,
and the operator will be able to manually insert a correspondent bank.

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The topic related to this feature is given below:

Real Time Gross Settlement

Core » Incremental Authorisation

Available from: 202304
This functionality allows banks to handle the incremental authorisation, delayed
charges, no show and re-authorisation.

The topic related to this feature is given below:

Core

Core » Third Party Inquiries

Available from: 202304
This functionality allows banks to view the relationship between third parties,
other third parties and customers thorough the use of third party related inquiries.

The topic related to this feature is given below:

Core

Core » Visa Transaction Id

Available from: 202304
This functionality allows banks to capture the alternate unique identifier (VISA
transaction Id) that can be used for various purposes including matching logic.

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The topic related to this feature is given below:

Core

Real Time Gross Settlement » Drawdown

Account Correction
Available from: 202304
This functionality allows banks to handle the drawdown account number
correction in the incoming DRC/DRB messages.

The topic related to this feature is given below:

Real Time Gross Settlement

Real Time Gross Settlement » Upload Clearing

Directory
Available from: 202304
This functionality allows banks to process the automatic file upload to update the
CA.CLEARING.DIRECTORY application.

The topic related to this feature is given below:

Real Time Gross Settlement

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Regulations » Minors Accounts Escheatment

Available from: 202304
This functionality allows banks to schedule minor's accounts and deposits
escheatment based on the age of majority and their or their guardian's bad
mailing address. Also, banks are able to track address changes and determining
minor's escheatment based on the new residence state's rules.

The topic related to this feature is given below:

Regulations

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Retail
Retail Accounts and Fixed Deposits » Automatic
Closure of Notice Accounts and Deposits
Available from: 202205
Temenos Transact is now enhanced with the following capabilities that aid in the
automatic closure of the notice accounts and deposits:
l Full withdrawal of funds from the account is allowed only with a Closure
Type notice.
l The bank user can now automatically close the notice account or deposit
when certain conditions are met (also called as End-of-Notice Period
actions). The funds in the account or deposit are automatically settled
based on the settlement instructions and the account or deposit is closed
based on the closure conditions.
l The Redeem activity for deposits (for closure type notice) can be scheduled
to settle based on the settlement instructions.
l The ACCOUNTS-SETTLE-PAYOFF and DEPOSITS-REDEEM-
ARRANGEMENT activities can be scheduled using AA.ACTION as a
resultant action in product qualifier rules.
l When the arrangement is in Current status, the notice account or deposit
can be closed only with a closure notice bill. The closure notice cannot be
captured for the arrangements that are not in Current status.

The topics related to this feature are given below:

Product Qualifier Rule Updates
Configuring Auto Closure of Accounts
Illustrating Auto Closure of Accounts
Configuring Auto Closure of Deposits

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Illustrating Auto Closure of Deposits

Retail Accounts and Fixed Deposits » Notice

Change or Cancel post Payment Initiation
Available from: 202205
Temenos Transact is enhanced to restrict the user from modifying or cancelling a
notice after the payment file is generated in the PAYMENT.ORDER application on
the scheduled issue order date. When the action is attempted, the customer is
informed that the payment is initiated and hence the notice cannot be changed or
cancelled.

The topics related to this feature are given below:

Notice Change or Cancel post Payment Initiation - Accounts
Notice Change or Cancel post Payment Initiation - Deposits

Retail Accounts and Fixed Deposits »

Restrictions on Increase in Notice Amount
Available from: 202205
The following are the restrictions on increasing the notice amount:
l Activity Restriction can be defined to provide the user an option to accept or
reject the request to increase the notice amount of the captured notice that
did not serve the full notice period.
l A new periodic attribute namely, NOTICE.AMOUNT.INCREASE is
introduced to check if the customer has requested an increase in notice
amount from the previously requested amount (within the notice period).

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The topics related to this feature are given below:

Periodic Attribute for Restrictions on Increase in Notice Amount
Configuring Restrictions on Increase in Notice Amount-
Accounts
Illustrating Restrictions on Increase in Notice Amount -
Accounts
Configuring Restrictions on Increase in Notice Amount -
Deposits
Illustrating Restrictions on Increase in Notice Amount - Deposits

Retail Accounts, Fixed Deposits and

Arrangement Architecture » Retain Bill
Reference during Reverse and Replay
Available from: 202206
Transact now supports the reverse and replay caused by any back-dated activity,
prior to the notice capture date of the modified or cancelled notice bill. To provide
this capability, the Notice Withdrawal Property Class is enhanced with a new
attribute called Notice Reference, which holds the unique reference to a notice
bill.

The topics related to this feature are given below:

Configuring Notice Reference
Retaining Bill Reference during Reverse and Replay - Accounts
Retaining Bill Reference during Reverse and Replay -Deposits

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Retail Lending, Fixed Deposits and

Arrangement Architecture » Amendment of
Cancel Period after Arrangement Creation
Available from: 202206
The Term Amount Property Class now allows the user to amend the cancel
period of an arrangement post its creation. It allows to:
l Amend the cancel period of an arrangement to another date
l Remove the cancel period of an arrangement

l Reverse the cancellation of an arrangement using a backdated activity to

remove or expand the cancel period of the arrangement

The topics related to this feature are given below:

Configuring Cancel Period
Amending Cancel Period - Lending
Amending Cancel Period -Deposits

Fixed Deposits and Retail Accounts » Notice

Request Validations during Locking of Funds
through GAI
Available from: 202207
Banks can now validate the available balance in the Notice account and deposit
while locking funds on the account or deposit that has a notice in the process.
When the system locks the funds for a transaction posted through the General
Accounting Interface (GAI) on a notice account or deposit, it is possible to inform
the user if the notice withdrawal and the available balance can get affected.

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A new rule validation routine is now available to check if a notice withdrawal

might get affected due to the existing notices and the locked amount.

The topics related to this feature are given below:

Notice Request Validations during Locking of Funds through
GAI - Accounts
Notice Request Validations during Locking of Funds through
GAI – Deposits
Activity Restriction - Periodic Attribute Class Update

Arrangement Architecture » Generating a record

in DD.ITEM for the Combined Bill Amount
Available from: 202207
When more than one bill is settled using the same DD Mandate, the system
automatically combines the bill amounts to generate a single record in DD.ITEM.
The bill amounts are combined only when,
l Combine Bills in payment schedule is set to Yes
l Bills are issued on the same date
l Bills are made-due on the same date
l Bills are configured to be auto-settled using the same DD Mandate

This feature reduces the risk of lock collisions when an automatic settlement
through DD is defined.

The topics related to this feature are given below:

Settlement condition – Direct Debit
Settlement of Direct Debit Item – Illustration

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Fixed Deposits and Retail Lending » IFRS

Processing of RFR Cashflow Updates
Available from: 202207
IFRS recommends to de-recognise any changes to the original contractual
cashflow and recognise them as a new asset with the new Effective Interest Rate
(EIR).
Temenos Transact is now enhanced with a new AA.ACTIVITY for the initial IBOR
transition to RFR. This activity updates the initial and the ongoing cashflow
modification due to the changes in RFR by a cashflow handoff during the RFR
rate revision process. This helps in measuring the customer asset and liability
accurately.

The topics related to this feature are given below:

IFRS Processing - Lending
IFRS Processing - Deposits

Arrangement Architecture, Fixed Deposits and

Retail Lending » Processing RFRs using Non-
Cumulative Compounded Rate Option
Available from: 202207
Temenos Transact now supports the Non-Cumulative Compounded Rate
(NCCR) option for RFR Calc Method in Interest Property conditions. This method
is more accurate when there are changes in principal within a given interest
period. It helps to prorate the accrued interest for the reduced principal amount
without repaying the entire accrued interest on the loan amount.

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Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Non-Cumulative Compounded Rate (NCCR)
NCCR Calculation - Lending
NCCR Calculation - Deposits
NCCR Illustration

Arrangement Architecture, Fixed Deposits and

Retail Accounts » Negotiating Product Qualifier
Rules at Arrangement Level
Available from: 202207
Banks can now define and negotiate the product qualifier rules at arrangement
level for notice accounts and deposits. Hence, for notice products (products that
support notice withdrawal functionality), the user need not define the property
type as 'Product Qualifier and Product only' for the instance of the Activity
Restriction Property Class that is used for product qualifier rule definition.

The topics related to this feature are given below:

Notice Reference Attribute in Notice Withdrawal Transaction
Class
Removal of Product only validation for Product Qualifier Rules
in Notice Products
Notice Reference during Change and Cancel Activities – Notice

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Accounts
Notice Reference during Change and Cancel Activities – Notice
Deposits
Negotiating Product Qualifier Rules at Arrangement Level

Retail Lending » Loan Interest Rates post

Maturity
Available from: 202207
It is now possible to configure the reversal of the total commitment balance
during the pending closure process instead of maturity. The Commitment
Reversal attribute introduced in Term Amount product condition helps to
configure this reversal. When the attribute is set as:
l On Closure - It reverses the total commitment balance during pending
closure process instead of maturity.
l None or On Mature- It reverses the total commitment balance during
maturity process.

The topics related to this feature are given below:

Configuring Commitment Reversal
Commitment Reversal Attribute
Interest Based on Total Commitment

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Arrangement Architecture and Retail Lending »

Deferred Repayment of Payment Holiday
Interest
Available from: 202207
Transact now allows the user to specify how the interest accrued during the
holiday period needs to be invoiced after the payment holiday period. The user
can either configure to invoice the entire Interest accrued during the holiday
period, immediately in the upcoming installments or invoice the interest accrued
during the holiday period equally over the specified number of coming
installments (maximum up to the maturity).

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Updates in Payment Schedule
Updates in Payment Holiday
Configuring Payment Holiday

Arrangement Architecture » Combined

Settlement Using Temenos Transact Account
Available from: 202207
Banks can combine the bill amounts and generate a single settlement for the
combined amount when more than one bill is automatically settled with the same
payment date and Transact account. To provide this functionality, the Settlement
property class is enhanced with the following two new attributes:

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l Payin Account Settlement

l Payout Account Settlement

When these fields are set to Combined and automatic settlement using Temenos
Transact account is defined, then the system combines the bill amounts and
generates a single settlement for the combined amount when the following
criteria are met:
l Combine Bills is set as Yes
l Bills have the same payment date
l Bills are configured to be settled using the same Temenos Transact
account

Same Settle Activity is defined for all the bills

The topic related to this feature is given below:

Combined Settlement Using Temenos Transact Account

Arrangement Architecture » Processing

Forward-Dated Changes between Bill Issue and
Due Dates
Available from: 202208
Transact considers any forward-dated condition that triggers the recalculation of
the payment amount during the issue bill when the effective date of the forward-
dated condition is between the issue bill and due dates. Whereas, if there is any
such condition created after the issue bill activity, the changes are considered
only from the next issue bill.

The topics related to this feature are given below:

Defining Billing Rules

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Processing Forward-Dated Changes between Bill Issue and

Due Dates

Arrangement Architecture and Retail Accounts »

Processing of Backdated Schedule in Accounts
with Attached Limit
Available from: 202208
Banks can now capture and update the historical limit balances during the
takeover of an overdraft account with an attached limit. The historical net
movements for a given day that are captured using the Capture Historical
Balance activity updates the historical limit and account balances.
Using the Capture Historical Bills activity, the capitalised historical interest bills
that are calculated on the historical limit balances can also be captured. The
interest movements from the historical interest bills adjust the running account
and limit balances as well.
This enables users to make back value dated changes beyond the Transact take
over date and perform bill adjustments.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Capture of Historical Limit Balances
Processing of Backdated Schedule in Accounts with Attached
Limit

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Arrangement Architecture and Fixed Deposits »

Accessing Simulation Runner using a Unique
Reference
Available from: 202209
The simulation process generates more than one unique reference to keep track
of. Handling a simulation in the API mode and managing multiple references can
be complex.
To ease the process, Transact now allows accessing the record in
AA.SIMULATION.RUNNER using a unique reference from
AA.SIMULATION.CAPTURE.

The topics related to this feature are given below:

Accessing Simulation Runner
Early Redemption Process of Deposit Arrangement Using
Simulation -Illustration

Arrangement Architecture, Retail Accounts and

Fixed Deposits » Defining and Maintaining
Nominated Counter Accounts
Available from: 202209
The incoming and outgoing payments in an account or deposit can now be
limited to/from pre-defined counter accounts only and these are added during the
creation and maintenance processes of an account or deposit.
Accounts condition is enhanced with two new fields namely Counterparty Type
and Counterparty to capture and maintain the nominated counter accounts for an
arrangement. The link between the beneficiaries is defined as nominated counter

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accounts and the arrangement is maintained by updating the cross-reference file

or the BENEFICIARY.LINKS application.

The topics related to this feature are given below:

Defining and Maintaining Nominated Counter Accounts in
Account Property Class
Validating beneficiary in settlement condition against nominated
counter accounts
Configuring Nominated Counter Accounts- Accounts
Configuring Nominated Counter Accounts- Deposits Funding
Nominated Counter Accounts -Deposit Withdrawal
Working with Nominated Counter Accounts in Accounts
Working with Nominated Counter Accounts during Deposit
Funding
Working with Nominated Counter Accounts during Deposit
Withdrawal
Nominated Counterparty Outputs
Nominated Counterparty Tasks

Arrangement Architecture » Improving

Performance during Synchronous Simulation
Available from: 202210
Defining the Ignore Sim field in the AA.PARAMETER application improves the
response time of a synchronous simulation. When this field is set as Yes, the
corresponding AA.SIM.<PROPERTY.CLASS> records are not updated for the
simulation.
Also, setting the Synchronous field to Yes in the AA.SIMULATION.RUNNER
record along with the simulation capture references of the respective activities
helps to combine and simulate two or more activities online(instead of using a

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service).

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Improving Performance during Synchronous Simulation-
Configuration
Improving Performance during Synchronous Simulation-
Working With

Retail Accounts and Fixed Deposits » Customer

Dormancy Processing using CDM
Available from: 202210
Transact is now enhanced to:
l Handover the Last Activity Date field value of the dormant arrangement to
the ST.CDM.MONITOR.
l Configure if the AA dormancy processing should handoff the dormancy
information to the CDM when the arrangement becomes dormant.
l Allow the user to define Dormancy Status at which the arrangement
dormancy information has to be handed off to CDM for customer level
dormancy processing.

The topics related to this feature are given below:

Configuring Customer Dormancy Processing - Accounts
Configuring Customer Dormancy Processing - Deposits
Cdm Handoff Attribute

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Working with Customer Level Dormancy Processing - Accounts

Working with Customer Level Dormancy Processing - Deposits

Arrangement Architecture and AA Product

Bundling » Multiple Notional Interests on Pool
Balance
Available from: 202210
Transact now allows configuration of two interest properties in a notional pool. It
is enabled to calculate both debit and credit interest on the same notional pool
balance based on the pool balance after offsetting, through the Interest
Compensation product condition.

The topics related to this feature are given below:

Interest Compensation Attributes
Interest Compensation feature in Bundle Product or Interest
Calculation on Notional Pool
Memo Interest for Notional Pool Bundles and Interest for
Notional Pool Bundles - Illustrations

Retail Lending » New Periodic Attribute Classes

for Payment Holiday
Available from: 202211
The following periodic attribute classes are introduced for Payment Holiday in
Lending:

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l HOLIDAY.COUNT - Controls the number of payment holidays that can be

defined for a particular product
l HOLIDAY.RESTRICT- Controls the definition of parallel holiday payment.

The topics related to this feature are given below:

New Periodic Attribute Classes for Payment Holiday
Controlling Payment Holidays Count and Defining Restriction
on Consecutive Payment Holidays - Configuration
Controlling Payment Holidays Count and Defining Restriction
on Consecutive Payment Holidays – Working with

Multi-Currency Accounts » Limits in Multi-

Currency Accounts
Available from: 202211
The limit can now be sanctioned for a Multi-Currency (MCY) account by enabling
the limit property class at the MCY level and sub-account level. The system now
considers the limit attached to the sub-account during an automatic position
transfer by configuring the Balance Availability Product condition.
This functionality enables the system to further evaluate the limit during the
Credit Check at the,
l Multi-Currency Account Level
l Sub Account Level
l Both Multi-Currency Account Level and Sub Account Level

The topics related to this feature are given below:

Limits in MCY Accounts
Attaching Limit to MCY Account

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Limit Attached to MCY Account

Limit Attached to MCY Sub Account

Arrangement Architecture » Suppressing

Account Number Generation for Simulation
Available from: 202212
It is now possible to suppress the generation of the account numbers for the new
arrangement simulation. Both the account number and IBAN are generated only
at the time of simulation execution.
This is beneficial in large-scale banks where the number of new arrangement
simulations is numerous and the account numbers generated for the new
arrangement simulations remain unused if the simulations are not executed.

The topics related to this feature are given below:

Suppressing Account Number Generation - Configuration
Suppressing Account Number Generation -Working with

Fixed Deposits » Calculating Break Cost Fee

during Early Redemption
Available from: 202212
The interest rate of a term deposit is based on the agreed period that the funds
are held in the deposit. If the customer makes a partial or full withdrawal before
the agreed term, the bank can reduce the interest rate to be paid to the customer
for the withdrawn amount. The reduced interest rate is based on the time elapsed
on the deposit for the funds withdrawn.
The difference between the original rate for the full term and the actual rate due

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to early redemption is calculated as a break cost fee. This can be adjusted from
the accrued interest. If the break cost fee is more than accrued interest, then the
remaining amount after accrued interest adjustment gets reduced from the
principal or this makes the interest accrual become overdrawn/negative based on
the configuration of Method attribute in Activity Charges/Activity Restriction.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topics related to this feature are given below:

Introduction to Early Redemption of Deposit
Property Types
Property Types in Charges Property Class
Application Method -Activity Charges
Application Method -Activity Restriction
Initiating a Partial Withdrawal
Initiating Preclosure of Deposit
Breakcost Fee Adjust Bill
Breakcost Fee Adjust Cap Bill

Arrangement Architecture » Payment

Restrictions
Available from: 202301
The system is now enhanced to evaluate any underlying activity restrictions at
the time of initiating payments and display the results in the Payment Order page
for all arrangements. When a payment is initiated on an arrangement from the
payment initiation system, the underlying activities can be simulated and the
related overrides and error messages can be raised and displayed in the

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Payment Initiation page by configuring the AA.DECISION.PARAMETER. The

conditions can be specific to payment and clearing initiated from the payment
system. Thus, it is now possible to create records, for regular payment
(PAYMENT) and for clearing (CLEARING).

The topic related to this feature is given below:

Payment Restrictions

Arrangement Architecture and Retail Accounts »

Collecting Charges on Future Value Date
Transactions
Available from: 202301

When a financial transaction is to take place on a future value date, the charges
associated with the financial transaction are made due or capitalised during the
Start of Day (SOD) process of that value date with the help of the new
FORCE.CAPITALISE property type. The charge is collected during the SOD of
the transaction value date only when the activity charge or rule break charge of
this property type is used.

The topics related to this feature are given below:

Charges for Future Value Transactions using
FORCE.CAPITALISE in Interest and Charges Posting
Charges for Future Value Transactions using
FORCE.CAPITALISE
Force Capitalise Property Type

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Arrangement Architecture » Refresh Flag for

Product Conditions at Simulation Level
Available from: 202301
Synchronous Simulation in AA is now enhanced with the following possibilities:
l Refreshing product conditions at the simulation level while amending the
simulation capture record
l Amending effective date of the simulation while amending the simulation
capture record
l Maintaining the SIM records for the required properties in the synchronous
simulation process

The topics related to this feature are given below:

Maintain Sim Records
Amend Simulation Capture
Amend Simulation Capture - Lending
Amend Simulation Capture - Deposit

Collections » Override for Excess PTP Amount

Available from: 202303
The Collections module now allows a promise-to-pay (PTP) for an amount more
than the overdue or unauthorised overdraft amount while updating a customer’s
promise-to-pay commitment. The system only raises an override for this, which
can be converted to an error if required.

The topic related to this feature is given below:

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Dunning and Possible Results

Arrangement Architecture » Enhanced

Statement Narrative Configuration
Available from: 202303
The existing Statements feature that displays only the property name or the
activity name as transaction description is now enhanced to provide a clear and
user-friendly representation of financial activities in the Customer Account
Statement. The user can generate the statement by launching the account
statement online enquiry or through automated account statement generation
during COB on the configured frequency.

The topics related to this feature are given below:

Parameterising Statement Narratives
Configuring AA Statement Parameter
Configuring Narrative Parameters
Configuring Narratives Formats
Parameterising Statement Narratives
Narratives for Different Types of Transactions for Loan
Arrangement
Narratives for COB Statements
Account Statement Format
Using AA.NARRATIVE Enquiry during COB
Creating or Editing Statement Narrative

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Arrangement Architecture » Add New Property

Available from: 202303
The New Property Update feature is now enhanced (Add New Property) to
support additional property classes in Lending (AL), Deposits (AD), and Accounts
(AR). New property/properties can be added to an existing arrangement on the
current date, future date or a back(past) date.
In AA.PRODUCT.MANAGER, the financial institutions can define Start (Start date
of the Arrangements in the product), Today (Current System Date) or Date (Past,
current, future date) on which the new property has to be updated in the existing
arrangements.

The existing New Property Update attribute is deprecated for the Accounts,
Deposits, Lending product lines. A new set of attributes are introduced for Add
New Property feature in AA.PRODUCT.MANAGER.

The topics related to this feature are given below:

Add New Property
Add New Property To Existing Arrangements

Retail Deposits » Setting up Cooling period with

Closure Property Class
Available from: 202303
Transact now allows the bank to set up cooling period attributes for deposit
products (AD) and account product line (AR) using the Closure property class.
Banks can specify the particular property class or property for which a waiver or
refund is to be done if the deposit or account is closed within the cooling period.
The Balance Availability property class is enhanced to define the notice
withdrawal definitions within the cooling period. It allows the banks to define the
notice conditions within and outside the cooling period using the Period Type

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attribute in the Balance Availability property class.

The topics related to this feature are given below:

Configuring Cooling Period
Cooling Period using Closure Property Class
Configuring Period Type Attribute
Capturing Withdrawal Notice within or after Cooling Period
Period Type Attribute
Setting up Cooling period with Closure Property Class
Configuring Period Type Attribute in account product line
Capturing Withdrawal Notice within or after Cooling Period
account product line

Retail Accounts » Account Live Closure using

Default Beneficiary
Available from: 202303
It is now possible to perform a live closure in a retail account (AR) and transfer
the proceeds to a specified beneficiary or a default beneficiary via Payment
Order and the corresponding payment system like TPH.
PAYOFF property class is enabled to transfer the closure proceedings via
beneficiary with payment order in case of credit balance at the time of account
closure. If the PAYOFF property class is not specified and the default beneficiary
is specified, the entire PAYOFF amount (credit balance) at the time of closure is
settled to the beneficiary specified in the default beneficiary by using the first pay-
out payment order product specified in settlement instructions.
PAYOFF$CURRENT payment type is enabled to settle the closure proceedings
via beneficiary with payment order in case of debit balance at the time of account
closure. If the PAYOFF$CURRENT payment type is not specified and the default
beneficiary is specified, the entire PAYOFF$CURRENT amount (debit balance)

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is settled by using the beneficiary specified in default beneficiary by using the first
pay-in payment order product specified in settlement instructions.

The topics related to this feature are given below:

Live Payoff (Settlement Through Payment Order)
Live Payoff (Through Settlement Account or Beneficiary using
Payment Order)
Balance Prefix and Suffix
Live Closure of an Account

Retail Accounts » Account Live Closure using

Default Settlement Account
Available from: 202303
The user can specify an account in default settlement account during the live
closure of an account (AR) which enables the system to transfer the closure
proceeds using the default settlement account if the required settlement details
are not available.
If the PAYOFF property class is not specified and the default settlement account
is specified, the entire PAYOFF amount (credit balance) at the time of closure is
settled to the account specified in the default settlement account. If the
PAYOFF$CURRENT payment type is not specified and the default settlement
account is specified, the entire PAYOFF$CURRENT amount (debit balance) is
settled by using the account specified in the default settlement account.

The topics related to this feature are given below:

Live Payoff (Settlement Through Payment Order)
Live Payoff (Through Settlement Account or Beneficiary using

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Payment Order)
Balance Prefix and Suffix
Live Closure of an Account

Arrangement Architecture » Calculating Annual

Percentage Rate for Forward-Dated Changes
Available from: 202303
When there is a forward-dated rate change, the system can recalculate and store
the Annual Percentage Rate (APR) as of the effective date of the rate change.
l The new APR rate is available in advance and can be notified to the
customer along with the rate change.
l The recalculated APR considers the outstanding principal or net present
value as of the future date along with cashflows from the future effective
date.

In addition to this, when the APR is set to be calculated using the outstanding
principal (as defined in the Recalc Method field in AA.APR.TYPE application),
and a rate change occurs in the middle of the interest period, then the cashflow
for the first period considers only the interest component from the date of the rate
change to calculate the new APR.

The topic related to this feature is given below:

Calculating Annual Percentage Rate for Forward Dated
Changes

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Retail Lending » Storing Daily Risk-Free Rates

for an Arrangement
Available from: 202304
The system is now enhanced to record the risk-free rate calculated for each
working day of an arrangement along with details such as daily accrual, the
principal balance on which the accrual amount is calculated, and so on, in the
ST.RFR.DETAILS application. In case of any discrepancy between the system-
calculated risk-free rate and the expected value for a specific day, the user can
validate the calculation details from the ST.RFR.DETAILS application.

Click here to understand the installation and configuration updates for this
enhancement.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topic related to this feature is given below:

Storing Risk-Free Rates Calculated for Each Day of the
Arrangement

Retail Lending » Storing Interest Accruals for

RFR Contracts
Available from: 202304
When the risk-free rate for an arrangement is calculated using the rate
compounding method, the interest accrual details are stored in the
AC.RFR.DETAILS application for the corresponding periods. In case of any
back-dated adjustments such as principal change, rate change, or spread

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change, the adjusted accruals for the previous month or previous year is booked
in different PL categories from the current period. Based on the information
stored in the AC.RFR.DETAILS application, the adjusted accruals are calculated
using the average rates of the respective periods and reported under the three
categories as mentioned in the Accounting property condition.

Click here to understand the installation and configuration updates for this
enhancement.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

The topic related to this feature is given below:

Storing Interest Accruals for RFR Contracts

Arrangement Architecture » Add New Property

in Multi-Currency Accounts
Available from: 202304
The Add New Property feature allows to add new properties in Multi-Currency
(MCY) Accounts along with Lending (AL), Deposits (AD), and Accounts (AR)
product lines.

The topics related to this feature are given below:

Add New Property
Add New Property to Existing Arrangements

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Arrangement Architecture » Enhanced

Repayment Calculator
Available from: 202304
The Repayment Calculator enquiry is now enhanced to return a response with
the Annual Percentage Rate (APR) type and rate for the product selected. The
Interest condition of the product can have Tier Type set as Level in the Interest
condition.

The topics related to this feature are given below:

Enhanced Repayment Calculator
Enhanced Repayment Calculator - Illustrations

Arrangement Architecture » Optionally

Currency-Specific Property Class Type
Available from: 202304
Using the currency optional property class type, the Tax product conditions can
be defined with or without the currency component in them.

Click here to understand the installation and configuration updates for this
enhancement.

The topic related to this feature is given below:

Property Class Type

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Technology

Design Framework

Temenos Workbench V1 (UXP) » Packager API

Reconciliation Tool
Available from: 202209
Packager API verifies the content of a single or multi-package deployed in an
environment and enables the user to identify the records that are deployed
successfully and the ones that failed along with the reason for the failure. When
you enable the incremental mode, the system checks for only those records that
have a different hash code between package(s) and the target environment.

The topic related to this feature is given below:

Packager API Reconciliation Tool

Extensibility Framework

Workbench » Configuring SDLC with Temenos

Workbench
Available from: 202212
Temenos Workbench goal is to ease the configuration of Temenos products and
embed the packaging of the configuration through a modern and standard SDLC
(Software Development Life Cycle).
Temenos Workbench can optionally:

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l store the configuration records within package definitions in a GIT

repository
l build deployable configuration packages from GIT and publish them to a
maven repository through semantic versioning (corresponding to a DevOps
CI pipeline)

Temenos Workbench improves the SDLC with the ability to:

l create packages definitions and store configuration items in GIT repository
l to build deployable and versioned packages from GIT and then publish
them to a Maven repository

The topic related to this feature is given below:

Configuring SDLC with Temenos Workbench

Data Packager » Deploying Package in

Asynchronous Mode
Available from: 202212
The V4 Deploy API allows asynchronous deployment of a package (single and
multi-package). It deploys a package in asynchronous mode without waiting for
the deployment to complete, thereby reducing the waiting time. A unique deploy
ID is generated for each package deployment call.
The Check Deploy API checks the deployment status of a package deployment
at any time, using a unique deploy ID.

The topic related to this feature is given below:

Deploying Package in Asynchronous Mode

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Temenos Packager » Migration to Open JDK 11

Available from: 202304
Temenos Packager is now compiled with Java Open JDK 11. However, as
WebSphere does not support Open JDK 11, Temenos Packager does not
support WebSphere.

The topic related to this feature is given below:

Migration to Open JDK 11

Integration Framework

Integration Framework Runtime » Multiple

Archive Files in Integration Service
Available from: 202205
Integration Service allows moving the processed event to multiple archive files
based on the value mentioned in the new field named NO.OF.ARCHIVE.FILE in
IF.INTEGRATION.SERVICE.PARAM. The user can:
l Store Event records in separate archive file for each day
l Avoid accumulation of large number of records in single archive file

The topic related to this feature is given below:

Multiple Archive Files in Integration Service

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Data Quality Feedback Mechanism » SSL

Handshake Setup for DQ Feedback Mechanism
Available from: 202209
The SSL handshake is now introduced in the Data Quality (DQ) Feedback
Mechanism, and SSL can be enabled and disabled based on the configuration.
Data exchange between DQ and Kafka is more secure when SSL handshake is
enabled.

The topic related to this feature is given below:

SSL Handshake Setup for DQ Feedback Mechanism

Inflow (IR) » Configuration Files

Available from: 202211
The common properties of Inflow MDB, Dispatcher MDB and Listener are now
configured in the application-con.properties file, which is located in the inflow
service jar so that it is loosely coupled as possible.

The topic related to this feature is given below:

Configuration Files

Data Event Streaming » Monitoring DES using

Tracer
Available from: 202301
Temenos Transact now supports the tracer in DES and allows the user to

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validate the tracer in DES through Jaegar.

The topic related to this feature is given below:

Monitoring DES using Tracer

Interaction Framework

UXP Browser » Integrating UXPB with External

Data Management System
Available from: 202206
UXPB can be integrated with any external Data Management System (DMS) and
it now offers search, download, generate and upload features thereby minimising
the number of components to be used during integration.

The topic related to this feature is given below:

Integrating UXPB with External Data Management System

IRIS R18 » Appending Multi-Value Fields and

Sub-Values
Available from: 202206
IRIS R18 now allows appending multi-value fields and sub-values without
fetching the entire set of existing values. The user can enable this appending
functionality while creating the API by enabling the Append to Collections
checkbox and setting the appendFields property to true and defining
parameterMapping in the respective service XML file.

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The topic related to this feature is given below:

Appending Multi-Value Fields and Sub-Values

IRIS R18 » Suppressing Overrides in API

Framework
Available from: 202206
API framework does not include overrides in the response and these overrides
are auto approved in Temenos Transact for all API transactions as the
OFS.OVERRIDE attribute is deleted from the OFS.SOURCE configuration.

The topic related to this feature is given below:

Override Suppression in API Framework

IRIS R18 » Externalization of API properties for

IFX Framework
Available from: 202207
IRFX is now enhanced to enable the externalization feature that overrides the
property attribute through a system environment variable. The undefined
property attributes get the default value as per the class path. You can override
the property attribute without modifying the properties in the war file. This feature
is more beneficial to cloud specific environment due to the frequent changes in
the property values.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.

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The topic related to this feature is given below:

Externalization of API Properties

IRIS R18 » Regex Validation Support for UXPB

Available from: 202208
The regex validation functionality helps to validate the fields in request payload.
The validation rules and configurations are stored in Generic config microservice.
The stored validations are loaded and cached on runtime. The validations can be
customized for each field. The validations include,
l Length and pattern for the data in the field
l Marking the field as mandatory

The topic related to this feature is given below:

Regex Validation Support for UXPB

IRIS R18 » Managing Custom Vocabulary

Available from: 202209
Bank can add or update vocabulary entries through external custom vocabulary
files or generic config microservice without changing the core vocabulary file.
The custom vocabulary feature is available for any container project built using
the latest binaries. The following are the benefits of the feature.
l You can modify the vocabulary entries without modifying the core
vocabulary file.
l Multiple options to configure the L3 vocabulary entries to cover most of our
client needs.
l Reduces the risk of accidental deletion of existing vocabulary entries or
improper backup procedures leading to loss of data.

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The topic related to this feature is given below:

Managing Custom Vocabulary

IRIS R18 » eXate Productization

Available from: 202211
Temenos now protects customer-sensitive data from unauthorized users using
the eXate third-party application that encrypts and decrypts the Personally
Identifiable Information (PII) fields, which are stored in the database as a
Transact request. This application acts as a filter between the Application
Programming Interface (API) framework and Transact with the help of a data
privacy adapter. API framework interacts with the data privacy adapter and
receives a safe response from eXate. The data privacy adapter gives a decrypted
response for authorized users and an encrypted response for unauthorized
users.

The topics related to this feature are given below:

eXate Productization in API
eXate Productization in UXPB

IRIS R18 » IRIS TAFC Direct Connector

Available from: 202212
IRIS is enhanced to perform direct invocation of jRemote TAFC platform
component to establish the communication channel. This feature allows you to
skip the queue configuration in IRIS R18 thus simplifying the system
configuration.

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The topic related to this feature is given below:

IRIS TAFC Direct Connector

UXP Browser » UXP Browser Tracer

Implementation
Available from: 202301
UXP Browser integrates the common component ‘TemnTracer’ to push the
captured tracing information of each span into the Jaeger. UXP Browser Tracer
Implementation is now introduced to support the tracing request triggered in UXP
Browser and the information is transferred to the Grafana dashboard.
The tracing request information can be viewed directly in an organised way in the
Grafana dashboard.

The topic related to this feature is given below:

UXP Browser Tracer Implementation

IRIS R18 » Migrating Existing APIs to Generic

Config Microservice
Available from: 202301
T24 Transact is now enhanced for the user to migrate the existing API artifacts
from the JAR file to the Generic Config Microservice using,
l API Workbench – This invokes the Utility API at runtime and migrates all the
API artifacts to Generic Config Microservice.
l Utility API – This pushes all the API artifacts to the Generic Config
Microservice and reloads the cache automatically.

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This helps the user to use a single runtime container to access and execute all
the APIs from the Generic Config Microservice.

The topic related to this feature is given below:

Migrating Existing APIs to Generic Config Microservice

IRIS R18 » Deploying and Configuring XACML

Policies from Generic Config Microservice
Available from: 202302
IRIS is enhanced to load XACML policies from MsConfig (a generic configuration
microservice) using the pdp-callback-config.xml file for XACML
authorization. When a callback is enabled, the system calls the policies from the
MsConfig microservice for implementing the API validation. XACML policies are
externally stored and retrieved from MsConfig or from war package to validate
the API.

The topics related to this feature are given below:

Configuring XACML Based Authorization
Generic Config Microservice

IRIS R18 » Externalization of Cross-product-

config
Available from: 202303
Since the properties available as part of the cross-product-config.properties file
cannot be modified without changing the actual file in the API framework
container, IRFX is enhanced to configure the properties in cross-product-

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config.properties as environmental variables without any user intervention in the

war file. The environmental variables have higher priority than the variables
present in the property files.

The topic related to this feature is given below:

Externalization of cross-product-config

Platform Framework
Available from: 202303

Event Store » User Audit in Event Store

The day-to-day bank users and customers perform business operations through
a user-agent or channel applications.
Banks can now inquire about the financial and non-financial transactions
performed by the users and audit data changes using the user audit API
introduced in Event Store Microservice. This API can fetch the audit log, which
provides customer support, ensures compliance, and detects suspicious
behaviour. Each audit log entry records the user's identity, actions, and business
operations.

The topics related to this feature are given below:

User Audit in Event Store
User Audit with Statechange API

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Generic Configuration & Virtual Table » Delete

APIs in Generic Config and Virtual Table
Microservices
Available from: 202304
The new Delete APIs are introduced to delete:
l The latest or specific or all versions of config in the Generic Configuration
microservice
l The latest or specific or all versions of schemas in the Virtual Table
microservice

The topics related to this feature are given below:

Delete API in Generic Configuration
Delete API in Virtual Table

Infrastructure » AWS Multi-shards and Multi-

streams
Available from: 202304
The enhanced Amazon Elastic Kubernetes Service (EKS) Ingester and Avro
Ingester consumer features now allow to:
l Connect with multiple streams.
l Connect with multi-shard streams in addition to single-shard streams.
l Consume multi-part data from multiple streams.
l Scale the ingester pods.
l Deploy the schema registry in EKS.

As the microservices can listen to different streams, processing a large volume of

requests from AWS Kinesis stream is simplified.

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The topic related to this feature is given below:

AWS Multi-shards and Multi-streams

Infrastructure » Migrating Microservices to

JDK11
Available from: 202304
All the Infra microservices are now compiled to run in JDK11 runtime. This brings
the performance benefits of JDK11 runtime to the microservices.

The topic related to this feature is given below:

Migrating Microservices to JDK11

Infrastructure » DB Auto Upgrade using AppInit

pod
Available from: 202304
All the Infra microservices are enabled with the AppInit pod to upgrade their
databases automatically. This eliminates the manual execution of scripts and
processes the microservice deployment faster.

The topic related to this feature is given below:

DB Auto Upgrade using AppInit pod

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Infrastructure » Pre-install Check and

HealthCheck Probes in Microservice
Available from: 202304
Pre-Install check helps to increase the availability of the services like API,
Ingester, and Scheduler to the customer after verifying the status of their pre-
requisites such as the database and its tables.
HealthCheck Probe helps to determine when to start the containers and make
them live or available for service based on the health check result of the
dependent and pre-requisite services.

Temenos microservices support the health check probes for better stability and
availability of the Kubernetes (K8) platform.
The health check probes introduced in the framework are Liveness Probe,
Readiness Probe, and Startup Probe.

The topics related to this feature are given below:

Pre-install Check in Microservice
HealthCheck Probes in Microservice

Microservices » Service Request (v2.0)

Available from: 202304
Service Request Microservice (SRMS2.0) is a new infrastructure microservice
that can capture different service requests of a customer. It has an inbuilt Virtual
Table (VT) feature to handle services belonging to multiple request types.

The topic related to this feature is given below:

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SRMS 2.0

Performance Tools
Performance Tools » Performance Tools
Available from: 202304
Performance Tools are a comprehensive solution that empowers engineers to
maximize the performance and reliability of the various layers of SaaS services
and on-premise products. It provides detailed reports and actionable insights,
helping users make data-driven decisions for system optimization and capacity
planning.
The Performance Health Checker (PHC) generates a consolidated report with
suitable recommendations to scale the system configurations and the Universal
Performance Metrics (UPM) tool kit identify the bottlenecks much before the
testing and provide recommendations to ensure uninterrupted performance
experience for both on-premises and SaaS customers across Windows, Linux
and so on.

The topics related to this feature are given below:

Performance Tools

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Trade Finance
Syndicated Lending » Supporting Non-
Cumulative Compounded Rate Calculation
Method in Risk Free Rates
Available from: 202205
The Syndicated Lending module is now enhanced to support the Non-
Cumulative Compounded Rate (NCCR) calculation method for Risk Free Rates
(RFR) contracts. This method is more accurate when the principal amount is
changed within a given interest period.

The topics related to this feature are given below:

Non-Cumulative Compounded Rate (NCCR) Calculation
Method
Calculating Interest Accruals using Non-Cumulative
Compounded Rate (NCCR) Method

Letter of Credit » Supporting the Removal of

Reimbursement Bank during Letter of Credit
Amendment
Available from: 202206
Temenos Transact is enhanced to support the removal of reimbursement bank
and allow the issuing bank to generate MT202 towards advising or beneficiary
bank. The system now enables the removal of Third Party CustNo in LC contract
during external amendment through LETTER.OF.CREDIT and
LC.AMENDMENTS, and supports the generation of MT747 towards cancellation of

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Reimbursement Authority.

The topic related to this feature is given below:

Amending the Reimbursing Bank Details

Past Due » Supporting Risk-Free Rates in Past

Due Contracts
Available from: 202206
The Past Due (PD) module now supports risk-free rates with the following
calculation methods,

1. Rate compounding
2. Amount compounding
3. Simple interest
Risk-Free Rates (RFR) are a backward-looking average of overnight rates, which
are calculated based on actual data. These are bench-mark rates to replace
LIBOR. PD also supports Spread Inclusive and Spread Exclusive functionalities.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.
Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

Understanding Risk-Free Rates
PD.RFR.PARAMETER

Penalty Interest Calculation Details for RFR Contracts

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Overdue Processing for Risk-Free Rate Loan Contracts

Interest Accrual Calculation for PD Risk Free Contracts

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Treasury
Treasury Front Office » Booking of What-If
Deals in TFO
Available from: 202207
TFO is now enhanced to support the What-If deals functionality to book FX What-
If deals. It allows the user to simulate and view the impact on position, limits and
P&L without post trade back-office verification and authorisation. Such deals are
limited to Treasury Front Office users only. This functionality provides better
position and risk management in TFO.

Click here to understand the installation and configuration updates for this
enhancement.

The topics related to this feature are given below:

What-If Deals
TY.PARAMETER

Swaps » Correction of RF Rate and Pre-

termination of RFR Swaps
Available from: 202207
The Swaps (SW) module supported the pre-termination of contracts by manually
modifying the maturity date but did not support the cancelling (zeroing) of the
interest accrued for the current interest period. The SWAP application calculated
the compounded RF rate applicable for the contract but did not allow the user to
amend the final applicable rate in scenarios, where the system-calculated rate

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did not match with upstream systems.

The Swap (SW) module is enhanced to allow users to manually amend the final
RF rate in the SWAP application to enable rate correction or pre-terminate the
contracts. The As Rf Rate and Lb Rf Rate fields have been introduced in the
SWAP application for the asset and liability leg respectively. If the rate defined in
the As Rf Rate and Lb Rf Rate fields is zero, then the interest accruals for the
current interest period will be zeroed out online after the Treasury Supervisor
authorises the contract.
For rate correction, the rate entered by the user in As Rf Rate and Lb Rf Rate is
the final rate and is used to calculate the interest accrual amount and total
interest amount.
For swap contracts, where the Plain Arrears option and Payment Delay
Convention field are used, the As Dp Rf Rate and Lb Dp Rf Rate fields are
introduced to allow the final RF rate to define the processing of the delay
payment schedule.
This functionality allows the user to initiate rate correction or pre-termination of
the contract during anytime of the current interest period.

The topic related to this feature is given below:

Pre-termination and Rate Correction of RFR Swap Contracts

Money Market » Processing of Non-Cumulative

Rate Compounding (NCCR) for RFR-linked
Contracts Deals
Available from: 202207
The Money Market module is enhanced to support the Non-Cumulative
Compounded Rate (NCCR) method, which is a daily compounded rate derived
from Cumulative Compounded Rate (CCR), that is, CCR as of current day minus
the CCR of the previous banking day. The CCR generates a daily compounded

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rate that helps banks to easily calculate daily interest using the compounded rate
for that day(s).
The NCCR method is the recommended approach as it is more accurate when
there are frequent principal changes within a given interest period and while pre-
closure of RFR loans within a given interest period. The NCCR helps those
market participants who regularly deal with mid-period events, such as frequent
prepayments in RFR-linked loans and borrowings.

The topics related to this feature are given below:

Configuring RFR Calc Method
Non-Cumulative Rate Compounding

Swaps » Netting of RFR Swap Contracts with

Payment Delay
Available from: 202208
The SWAP application is enhanced to support the netting of Risk-Free Rate (RFR)
Swap contracts with either the As Rfr Payment Delay or Lb Rfr Payment Delay
fields specified in the RFR leg of the contract, and when the Net Payments field is
set to Yes. For the non-RFR leg, that is, for fixed legs, the payment is also
delayed based on the delay days specified in the contract and the user is notified
when the record is committed. The Net Pay Val Dt field is updated based on
delay days.
This functionality provides the following benefits:
l Better user experience
l Saves time and effort for the user

The topic related to this feature is given below:

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RFR Netting Payment

Swaps » Payment Delay for Fixed Leg

Available from: 202301
The SWAP application is enhanced to enable different frequency interest rate
swap schedules to have DP regardless of the corresponding floating leg with
different or the same IP frequencies.

The topic related to this feature is given below:

Payment Delay for Fixed Leg

Forex » Supporting Settlement of Forex CLS

Deals
Available from: 202301
Foreign Exchange transactions involve settlement risks if the exchange of two
currencies involved is not simultaneous. The party that sells a currency before
receiving the currency purchased from the counterparty is exposed to a certain
risk. Continuous Linked Settlement (CLS) eliminates this settlement risk through
a Payment vs Payment (PvP) mechanism.
The FOREX application is now enhanced to support the settlement of Forex CLS
Deals. The system can now perform a multilateral netting of CLS deals and
process a single payment or receipt to the CLS bank or to the member bank.
This enhancement enables the banks to eliminate the settlement risk and
simplify payment schedules.

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The topic related to this feature is given below:

Continuous Linked Settlement

Forex » Migrating Position Transfers to Forex

Available from: 202304
The Forex module is enhanced to support the migration Position Transfer from
Country Model Bank to Treasury Forex. The foreign currency positions that are
raised in a company due to transactions or contracts are transferred to a
particular company daily to avoid exposing the branches to revaluation profit or
loss.
Position transfer is dependent on the branch company that is defined in
FX.POSITION.TRANSFER.PARAM. To transfer the currency position, the
position file is used as the base file, thus raising accounting entries at the branch,
and transferring the positions through Treasury. When the position is transferred
from one company to the designated company, corresponding accounting entries
are created in both companies. This ensures that the currency positions match
the foreign currency asset and liabilities.

Click here to understand the technical impact of this enhancement for

customisation and upgrades.
Click here to understand the installation and configuration updates for this
enhancement.

The topic related to this feature is given below:

Introduction to Position Transfer

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Configuration
Notes
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Banking Framework

Generic Account Interface » Reversing or

Reposting GAI Booking Request Manually
Available from: 202206
The following records are added to Temenos Transact tables:

Table Record

GENERIC.ACCOUNTING.REQUEST ACCOUNT.NUMBER

GENERIC.ACCOUNTING.REQUEST PL.CATEGORY

The following values are added to below Temenos Transact field:

Field Value

Request Type POST

Request Type REVERSE.SUSPENSE

Transaction Recycler » Transaction Recycler

Process
Available from: 202206

GAI (Generic Accounting Interface) booking request can be routed to the

Recycler on an override situation if the respective override record is configured
with –
l APPLICATION = AC.INWARD.ENTRY
l FWD.ACCT.MODE = SSS

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Accounts » Deferred Balance Update

Available from: 202207
To enable the deferred HVT functionality, new fields are added to
HVT.PARAMETER and ACCOUNT. The deferred entries are written to
AC.STMT.ENTRY.PENDING (a new table), the layout of this table is the same as
STMT.ENTRY. The Deferred Status field is added to STMT.ENTRY to hold the
deferred status.
The following new fields have been added to Transact.

Table Fields

Deferred
Balance
Update

Deferred Ids To
AC.HVT.PARAMETER
Batch

Deferred
Consolidate
Ent

Deferred Bal-
ACCOUNT
ance Update

Deferred
STMT.ENTRY
Status

Accounting Unit » Non-year End AU

Decommission
Available from: 202212
In F.BATCH>SYSTEM.END.OF.DAY5 record, AU.PL.MOVEMENT job should
be added after EB.COMPANY.CHANGE.TODAY job during the decommission
process for PL movement.

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Delivery » Supporting SWIFT Relationship

Management Authorisations Upload
Available from: 202304
If the user enables the RMA.PARAMETER for directory as mentioned in the
Configuration section, the ID format of PP.RMA and PP.NO.RMA will be in the
new format and the RMA check occurs per SWIFT service.

Expected Receipts » Matching of Advised Funds

Available from: 202304
The DE_SWIFTInward_QueueConfig.properties in DE_ESBInward is
amended with routing decision for CAMT058 processing. Same is updated in
local file during upgrade.

camt058-*-*-*-*-*-swift.finplus=CAMT58
CAMT58-Carrier=CBPRPLUS
CAMT58-SystemId=ER
CAMT58-SkipRouting=NO
CAMT58-RouteFIN=NO
CAMT58-Xslt=PayloadTransform_Xslt_for_Camt058
CAMT58-XPath=

Retail Lending » Storing Risk-free Rates

Calculated for each Day of an Arrangement
Available from: 202304
The following configuration is required for the risk-free rate functionality:
l Update and configure the ST and AA modules with the latest updates to
update the ST tables.

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l For existing RFR contracts (for example, rate compounding, amount

compounding, or NCCR), update the ST.RFR.DETAILS application with
the rate and accrual information during daily accrual or adjustments post
the installation of this feature.

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Corporate

Facility » Borrowing Base Facility

Available from: 202304
This feature requires the COPOOL module to be installed in addition to the CO
module.

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Islamic Banking

Islamic Deposits and PDS » Islamic Account

Closure and Profit Payout
Available from: 202210
The following parameters help in configuring the Mudaraba account closure.
l The Acct Close Post Restrict field in the ID.SYSTEM.PARAMETER
application has to be configured with a valid posting restrict code. It is used
for posting restrictions when the accounts are marked to close using the
Close on PDS Run shortcut available in the AA – Islamic arrangement
Accounts Overview page.
l A new named activity has to be configured for the
ACCOUNTS.APPLY.CHANGE.ACCOUNT action in the
ID.SYSTEM.PARAMETER application.
l A new job named ID.PERFORM.PDS.ACCOUNT.CLOSE is added to the
‘BNK/ID.PROFIT.DISTRIBUTION’ online or standalone batch, to close the
accounts during distribution. The new job can be added in any order after
the ID.PROFIT.DISTRIBUTION.POST job.
l In the AA.CLASS.DEFINITION application (for the soft property class
record AA*XIS.POOLID), new fields are added to the page which opens
on clicking the Close on PDS Run shortcut to provide an option to close the
Mudaraba accounts on the PDS run date. These new fields are applicable
only for Islamic Mudaraba accounts.

Field Description

Chooses whether the account should be closed on PDS run. By default, it is

Close on
blank. Setting this field value to YES is not allowed for Mudaraba accounts with
PDS run
Dormant status

Close
Request Stores the account closure request date
Date

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Field Description

Eligible to
Stores whether the account is eligible for PDS run or not. If profit eligibility check
Close on
is passed, it gets updated as YES. Otherwise, it is updated as NO
PDS Run

Eligibility
Failed Stores the profit eligibility failed reasons
Reason

Close Pay
Stores the new Pay In account to be used during profit payment
In Account

Close
Payout Stores the new Pay out account to be used during profit payment
Account

Islamic Deposits » Evaluation of Exclusion

Conditions for Mudaraba Savings Accounts
Available from: 202303
l It is mandatory to configure ID.ACCOUNT.CONDITION for the principal
profit property of the product with the balance exclusion and transaction
exclusion criteria (such as Condition Evaluation Period, Evaluation Start
Date(Account opened/ Account funded date) for Balance evaluation,
Currency wise Minimum Balance Amount, Initiation Type, Transactions to
be excluded along with Transaction threshold count).
l Only U-‘Category’ records setup in ID.PDS.CATEGORY can be configured
in ID.ACCOUNT.CONDITION.
l AA.ACCRUAL.FREQUENCY should be configured with the Accrual
Frequency as monthly for the product configured using
ID.ACCOUNT.CONDITION.

PDS » Pay Profit Amount during PDS

Distribution using Change Charge Activity
Available from: 202304

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l If the bank has already a defined profit configuration to pay the profit
amount to the customer accounts during PDS distribution and
subsequently decides to use the charges feature (activity) to pay the profit
amount, then the bank has to adjust the profit accruals of the accounts to
zero. If there are any pending bills, then those are required to be adjusted
to zero.
l The transactions posted before the deployment of profit payment through
charges are reversed and the profit amount paid during those period is also
modified. The differential profit amount can be paid only during account
closure (as profit property schedules are not triggered from PDS
distribution). As an alternate solution, the bank can schedule these profit
amounts in the payment schedule for payment to the customer (if needed,
manually).

Retail

Retail Lending » Storing Daily Risk-Free Rates

for an Arrangement
Available from: 202304
To store the daily risk-free rates for an arrangement:
l During configuration, the ST and AA modules’ latest updates should be in
place for the ST tables to get updated.
l If there are existing contracts for RFR (rate compounding, amount
compounding, or NCCR), the record in ST.RFR.DETAILS is updated with
the rate and accrual information during daily accrual or adjustments post
the installation of this feature.

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Retail Lending » Storing Interest Accruals for

RFR Contracts
Available from: 202304
On the configuration, we will need the latest updates of AC, ST and AA modules
to enable the Cross Month functionality.

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Trade Finance

Past Due » Supporting Risk-Free Rates in Past

Due Contracts
Available from: 202206
The parameter file referred as PD.RFR.PARAMETER is delivered through PD-
RFR enhancement.

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Treasury

Forex » Migrating Position Transfers to Forex

Available from: 202304
Install the Treasury Forex module (FXPOTR) license to enable the FX Position
Transfer functionality.

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Banking Framework

Transaction Recycler » Transaction Recycler

Process
Available from: 202206
EB.SYSTEM.ID definition in RC.CAPTURE:
l The RC.CONDITION and RC.TYPE can be defined EB.SYSTEM.ID wise in
the RC.CAPTURE record.
l If EB.SYSTEM.ID is not defined, then the default RC.CONDITION and
RC.TYPE are considered.
l If the first two characters of EB.SYSTEM.ID and RC.CAPTURE match, then
EB.SYSTEM.ID definition will be allowed in RC.CAPTURE, else the system
generates an error. For example,
l EB.SYSTEM.ID = AAAA
l RC.CAPTURE = AA
l In case of GAI (Generic Accounting Interface), that is, Clearing, payment
initiations like PAYMENT.ORDER, TPH (Temenos Payments Hub) and so on
send requests. Hence, the first two characters of EB.SYSTEM.ID and
RC.CAPTURE need not be relevant. The validation is relaxed when
RC.CAPTURE is ACCCSM (Generic Accounting Interface).

Accounts » Deferred Balance Update

Available from: 202207
The following are the technical notes for this functionality:
l Accounting Subrtn attached to ACCOUNT.PARAMETER is invoked while
accounting boundary that supports any local processing required by the
user.

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l Accounting Subrtn accepts the entry record as one of the arguments based
on which users can process their required action.
l Call to this API for an account with deferred updates has Deferred Status as
Pending while clearing the transaction boundary. The same API is invoked
while AC.MERGE.STMT.ENTRY.PENDING where Deferred Status is
updated as Posted.
l The user must modify Accounting Subrtn to process the entry based on the
Deferred Status.

Framework » Fixed Asset Management

Available from: 202211
Applicable only for clients upgrading from lower release of Temenos Transact
using GPACK FIXA fixed assets feature.
A onetime migration service has been released that will migrate user data from
the GPACK-associated local tables and fields to core tables and fields linked to
core FIXAMT Fixed Asset Management Module, such as FA.SUPPLIER to
BENEFICIARY, local fields of ASSET.CLASS to core fields of ASSET.TYPE, local
fields of BC.SORT.CODE to ASSET.ENTITY and ASSET.CLASS, local fields of
ASSET.REGISTER to ASSET.DETAILS.

Note: This service must be run manually after the upgrade process. Once the
migration service is complete, the data under GPACK FIXA Fixed Assets related
tables must be purged locally, that is, either deleted or moved.

Delivery » Supporting SWIFT Relationship

Management Authorisations Upload Savings
Accounts
Available from: 202304
If the user enables the RMA.PARAMETER for directory as mentioned in the
Configuration, the ID format of PP.RMA and PP.NO.RMA will be in new format
and the RMA check occurs per the SWIFT service.

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Temenos Reference Data & System Tables &

Centralised Reference Data & IBAN » Deploying
IN & RD Modules in Temenos Reference Data
Shared Service
Available from: 202304
The RD methods (available under the RD_API component) have been moved
from the RD module to the ST module under the component ST_ReferenceAPI.
Any L3 routines accessing these methods in the componentized way must be
changed to refer to the ST component.
The IBAN methods (available under the IN_IbanAPI component) have been
moved from the IN module to the ST module under the ST_IbanAPI component.
Any L3 routines accessing these methods in the componentized way must be
changed to refer to the ST component.

Accounts » Monitoring and Reporting the

Account Overdrawn Days for Accounts with OD
Facility Balance
Available from: 202304
For clients already using the account overdrawn functionality based on Limits,
and are upgrading to the new functionality, the below steps are required:
l Remove the overdraft ageing status posted to the overdraft account or
nominated account (defined in the Od Cond Account field) by posting the
ACCOUNTS-CLEAR.OVERDRAFT activity manually. This operation
needs to be performed before configuring the Ac Overdrawn Bal field in the
AC.ACCOUNTING.PARAM application.
l Once the Ac Overdrawn Bal field is configured to Actual.balance in
AC.ACCOUNTING.PARAM, the system initiates the one-time migration

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service, AC.MIGRATE.ACCT.OVERDRAWN, in all the financial companies

to clear out the existing account overdrawn details that are created for the
overdrawn limits, and create new account overdrawn records for the
overdrawn accounts based on the booked balance of the previous day.
l After the AC.MIGRATE.ACCT.OVERDRAWN service is executed, the
system creates a locking record with the ‘MIGRATE.ACCT.OVERDRAWN-
<FinancialCompany>’ key, which blocks further execution of the one-time
service.

For those clients choosing the new functionality, executing the

AC.MIGRATE.ACCT.OVERDRAWN service is not required. Either of the below
options can be followed to avoid the migration service being executed:

l Configure the Ac Overdrawn Bal field as Actual.balance automatically

triggers the migration service and manually mark it as ‘Stop’ in the
respective TSA.SERVICE record for each financial company.
l Before configuring the Ac Overdrawn Bal field in AC.ACCOUNTING.PARAM,
create a locking record with the ‘MIGRATE.ACCT.OVERDRAWN-
<FinancialCompany>’ key in each financial lead company to avoid
executing the migration service.

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Corporate

Club Loans » Defining Higher or Lower Interest

Rates
Available from: 202212
The higher or lower interest rates functionality is applicable only for below
product lines.
l AA.PRODUCT.LINE>LENDING
l AA.PRODUCT.LINE>FACILITY

The higher or lower interest rates functionality is not supported with Risk Free
Rates (RFR), Pricing Grid, Linked Rate and Custom Rate.

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Islamic Banking

Islamic Deposits and PDS » Separate

Weightage for Pre-Closed Deposits (Used in
PDS Calculation)
Available from: 202208
It is not mandatory to create a BRK record in ID.PDS.WEIGHT. If the
functionality is required then it is mandatory to create a record for all the
combinations including ALL.ALL.<Currency>.ALL.BRK combination.

Islamic Deposits and PDS » Islamic Account

Closure and Profit Payout
Available from: 202210
During distribution (the distribution cycle in which the closure requested date falls
in between the simulation period), the ID.PERFORM.PDS.ACCOUNT.CLOSE
job triggers the set of activities listed below.
l ACCOUNTS-CHANGE.PROFIT-MUD.ACCOUNT (Rate change activity) to
update the new interest rate calculated by the current simulation cycle.
l ACCOUNTS-UPDATE-ACACCOUNT to remove the posting restriction
applied on the account.
l ACCOUNTS-RETROSPECT-ARRANGEMENT for all Islamic Accounts
arrangement.
l ACCOUNTS-SETTLE-PAYOFF to close the Islamic Accounts arrangement
after settling all the bills.

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Islamic Financing » Enhanced Mudaraba

Facility and Finance
Available from: 202301
Income or Expense categories related to profit declaration for the Mudaraba
finance product can be configured in IS.PARAMETER.

Field Description

It is used to setup the PL category to credit the bank portion of the realised
Profit Decl
profit received from the customer.
Income PL

Profit Decl It is used to setup the PL category to settle the shortage profit amount
Expense declared by the customer (Expected profit amount – Actual profit amount).
PL

It is used to setup the FT.TXN.TYPE.CONDITION record to raise the

Profit Decl
realised profit declaration accounting entries.
Txn

Islamic Deposits » Evaluation of Exclusion

Conditions for Mudaraba Savings Accounts
Available from: 202303
The simulation is terminated with an error in ID.PDS.ACTION.STATUS, when it
is triggered for an ad-hoc period, for pools linked with account arrangements
configured using ID.ACCOUNT.CONDITION.

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Retail

Arrangement Architecture, Fixed Deposits and

Retail Lending » Processing RFRs using Non-
Cumulative Compounded Rate Option
Available from: 202207
TERMRATE API is enhanced to store the unannualised compounding rate
(UCR) in RFR Storage tables, which is important to calculate NCCR.

Arrangement Architecture and Retail Lending »

Deferred Repayment of Payment Holiday
Interest
Available from: 202207
Click AC.EVENTS to see the events updated to handle the holiday interest
component.

Arrangement Architecture and Retail Accounts »

Processing of Backdated Schedule in Accounts
with Attached Limit
Available from: 202208
When a limit is attached to the account during takeover, the following events
must be configured to process back dated schedules:

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l LIMIT-UPDATE.HIS.BALANCE-DUE-CUR
l LIMIT-UPDATE.HIS.BALANCE-DUE-UTL
l LIMIT-UPDATE.HIS.BALANCE-DUE-TOT
l LIMIT-UPDATE.HIS.BALANCE-DUE-OVD
l LIMIT-UPDATE.HIS.BALANCE-PAY-CUR
l LIMIT-UPDATE.HIS.BALANCE-PAY-UTL
l LIMIT-UPDATE.HIS.BALANCE-PAY-TOT
l LIMIT-UPDATE.HIS.BALANCE-PAY-OVD

Read AC.EVENTS for more details.

Arrangement Architecture » Improving

Performance during Synchronous Simulation
Available from: 202210
The default behaviour of the Ignore Sim field in AA.PARAMETER application is as
follows:
l In R21, the default option is Yes and therefore, the system does not update
the AA.SIM.<PROPERTY.CLASS> files during the simulation capture by
default.
l From R22 onwards, the default option is No and therefore, the system
updates the AA.SIM.<PROPERTY.CLASS> files during the simulation
capture by default.

Retail Deposits » Calculating Break Cost Fee

during Early Redemption
Available from: 202212
For break cost fee calculation and adjustment, the following list of AC.EVENT
records are included in the AC.ALLOCATION.RULE for Interest, Charge, Tax and
Account

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l INTEREST-ADJUST.DUE-ACC
l CHARGE-ADJUST.DUE-DUE
l INTEREST-REPAY-DUE-OS
l ACCOUNT-ADJUST.DUE-CUR
l TAX-ADJUST.DUE-DUE
l TAX-ADJUST.DUE-INT
l INTEREST-ADJUST.DUE-ACC-CM

Read AC.EVENT for more information.

Retail Lending » Storing Daily Risk-Free Rates

for an Arrangement
Available from: 202304
Local developments will not have any impacts.

Retail Lending » Storing Interest Accruals for

RFR Contracts
Available from: 202304

Local developments will not have any impacts.

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Technology

IRIS R18 » Externalization of API properties for

IFX Framework
Available from: 202207
The Externalization feature requires 202207 libraries and setting up of bean
value manually.

Treasury

Treasury Front Office » Booking of What-If

Deals in TFO
Available from: 202207
To enable the What-If functionality, the following installation and configuration
needs to be in place:
l Acquire the TYWTIF feature code and install the product
l Configure the Whatif Update field in TY.PARAMETER

Forex » Migrating Position Transfers to Forex

Available from: 202304
Following are the technical changes in the FX Position Transfer functionality:
l Move the configurations in POSTFR.PARAMS to the
FX.POSITION.TRANSFER.PARAM application.

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l Remove the BRANCH.POS.TRANS job from the SYTEM.END.OF.DAY5

batch. The batch processing is now moved under the scheduler
mechanism.
l Set the Service Control field in the TSA.SERVICE.COB application to
AUTO, to enable the FX.POSITION.TRASNSFER job.

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Trade Finance

Past Due » Supporting Risk-Free Rates in Past

Due Contracts
Available from: 202206
The RESERVED.3 field in PD.PARAMETER is renamed as ENABLE.RFR. The
RESERVED.3, RESERVED.2 and RESERVED.1 fields in the
PD.PAYMENT.DUE are renamed as RFR.CALC.METHOD, RC.PRIORITY and
SC.PRIORITY respectively.
The RESERVED.10, RESERVED.9 and RESERVED.8 fields in the PD.RATES
application are renamed as RFR.EFF.DATE, RFR.LD.SPREAD and
RFR.PD.SPREAD respectively.
The LD.PD.RFR.TODAY.DETAILS work file is created to store the daily rate from
the underlying contract for applying it to the PD.PAYMENT.DUE application.

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Extensibility APIs
 Temenos Transact

Java Extensibility

Hook*/
Package Class Method name Description
API

Enables the
implementer to
return the obfus-
cated version of
a party's per-
sonal inform-
ation to replace
party GeneralDataProtectionRegulation getObfuscatedFieldValue Hook
the original field
value in the
record to fulfil
the customer
data protection
erasure pro-
cess.

Enables the
implementer to
contract Assessment getContractStatus Hook
return Days
Past Due (DPD)

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Temenos Transact

Hook*/
Package Class Method name Description
API

related details of
the contract
from external
system.

Enables the
implementer to
return Days
Past Due
(DPD), Unlikeli-
contract Assessment getObligorStatus ness To Pay Hook
(UTP) indicators
and probation
details of the
obligor from
external system.

Enables the
implementer to
check whether
the customer is
countrymodelbank.hungary TransactionFee isHungaryResident Hook
a resident of
Hungary during
monthly cus-
tomer eligibility

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 Temenos Transact

Hook*/
Package Class Method name Description
API

service.

Enables the
implementer to
get an exception
based on the
dormancy cri-
teria and the
arrangement RuleComparison getDormancyException Hook
activity history to
determine the
given arrange-
ment is inactive
for the set of
period.

Enables the
implementer to
indicate which
payments PaymentOrderLifecycle getPaymentSystemType payment system Hook
should be used
for processing
the transaction.

Enables the
countrymodelbank.usa Clearing updateEntry Hook
implementor to

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Temenos Transact

Hook*/
Package Class Method name Description
API

update trans-
action inform-
ation in
automated clear-
ing house
entries.

Enables the
implementer to
return the
derived data for
the label based
system session deriveLabelValue Hook
on the data argu-
ment defined in
the
EB.CONTEXT
table.

*Hooks are placeholders in Transact where routines can be attached to an application. For example, version, enquiry, delivery and so on.

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Wealth Suite
 Wealth Suite

Wealth Suite
Business Function and Financial Instruments »
LIBOR to Risk-Free Rates (RFR) Transition
Available from: 202301
Wealth Suite is enhanced to support Risk Free Reference Rates (RFR)
calculations that replaces IBOR. Daily transactional based, backward looking
RFR rates are captured and used in the financial calculations. The following RFR
calculation methods are supported:
l Plain Arrears
l Lookback – Narrow Definition
l Lookback – Observation shift
l Lockout
l Lookback with Lockout

This feature is additionally offered as integrated solution with Transact-Wealth

Suite.

The topics related to this feature are given below:

LIBOR to RFR Transition
RFR Calculation Methodology
Setup and Usage of new RFR Rates
TTI - Functional Guide

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Wealth Suite

Operation Positions and Fusion » Positions

Update
Available from: 202301
The Operation Positions and Fusion module is enhanced now with the
introduction of the Positions Update adjustment nature that allows updating or
splitting existing positions without impacting their gross/net amounts through
adjustment operations. This nature facilitates changes of deposits, reference
codes, acquisition dates and so on for positions without impact on the cost
values.

The topic related to this feature is given below:

Position Update

Channels and Channels Packaging » Stress

Test Scenario on Portfolio
Available from: 202304
The Wealth Suite – Channels is enhanced with the capability to analyse the
portfolio strength by checking its resistance to a stress test scenario. The details
of this enhancement are:
l The risk indicators are extended to have a dedicated one for the simulation
of the stress test scenario.
l A new page in Channels is introduced where Relationship Manager (RM)
can choose a stress test scenario to be applied on a portfolio from a list of
available scenarios. The simulated market value is shown at the portfolio
and position level. The simulated profit and loss contribution is available
per position, asset class, region, and currency.
l A new external service is introduced to support the stress test scenario.

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 Wealth Suite

The topics related to this feature are given below:

Stress Test Scenario
Stress Test Scenario for Channels Packaging

Channels and Channels Packaging »

Questionnaire Definition for Investment Profile
Available from: 202304
The Questionnaire Framework is enhanced to ease the questionnaire design and
customization in all steps of the questionnaire implementation:
l The questionnaire design, realized by business and legal profiles from the
WS front-end, comes with new features such as business rules, conditions,
mapped attributes, weight and score, and sustainability objectives for the
investment profile type of questionnaire
l Business logics, entirely configurable from the GUI in a back-end screen by
a scripting expert, typically apply to business rules, conditions, and
weighting average calculation of score.
l Customization of the questionnaire rendering from the framework, like the
alignment of questions and answers, fonts, and so on, is done by a front-
end expert from UXP IDE within an ‘UXP Extension.’ The framework
merges the customization with the generated page at runtime.
l Questionnaire assessment, done by clients or relationship managers, runs
a WS front-end page the Frameworks generates from questionnaire
definition and custom extension. It performs tasks such as calling the back-
end screen after each answer, saving the answers after each page, calling
an API at the end of the questionnaire assessment, and saving all data
linked to the questionnaire.

Based on this new framework, an investment profiling questionnaire is delivered

with standard packaging. This template provides an exhaustive example of the
framework capacity.

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Wealth Suite

The topics related to this feature are given below:

Questionnaire Definition for Investment Profile
Questionnaire Transition
Questionnaire Assessment
Gauge Display
Strategy List
Strategy and Strategy Link List
Investment Profile Details update in Client Profile
Questionnaire Administration Update
Questionnaire update in Typology
QUEST_SCORE

Channels » Simulating Investments,

Rebalancing Market Segment and Amending
Post-trade Values in Portfolio Builder
Available from: 202304
This functionality allows the user to have a simulated investment or withdrawal in
the portfolios of the builder session. It allows the user to rebalance a particular
segment (for example, single portfolio) or model portfolio (for example, overlay
hierarchy), and amend post trade values like quantity, market value and weight,
upon which, the system generates orders to bridge the gap between the current
position and the desired post trade value entered.

The topics related to this feature are given below:

Market Segment or Model Rebalancing
Other Navigation Points

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 Wealth Suite

Split Pending Orders

Cash Simulation in Portfolio Build Banner
Parameters for Cash Simulation

Channels and Channels Packaging » Market

Value Drop (MVD)
Available from: 202304
The Market Value Drop (MVD) provides specific packaged features related to the
MiFID II regulation. It supports banks in meeting the related regulatory
requirement where banks must monitor daily and notify their clients within 24
hours (business days) through loss letters about the portfolios market values
drops, and leveraged positions and contingent liabilities market values drops
above the threshold of 10% recommended by the regulator.
Portfolio Market Value Drop and Position Market Value Drop details are available
when the MVD module is licensed. This feature is part of Europe and Spain
Model Bank.
The MVD features are available in the following pages:
l Portfolio Indicators – Enable the users to identify the number of portfolios
with market values drops above the defined threshold.
l Key Figures – Enable the users to identify if there is a market value drop in
the portfolio and/or position level.
l View Portfolio Market Value Drop – Shows the details of portfolios that
have breached the threshold value.
l View Position Market Value Drop – Shows the details of positions in
the portfolio that have breached the threshold value.
l Portfolio Search – Enable the users to search for portfolios where the
market value drop has occurred at portfolio and/or position level.

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Wealth Suite

The topics related to this feature are given below:

Overview of Market Value Drop
MVD in Portfolio Indicators
MVD in Portfolio Search
View Market Value Drop Details
MVD in Portfolio Indicators at Channels Packaging
MVD in Portfolio Search at Channels Packaging
View Market Value Drop Details for PM Users
View Market Value Drop Details for RM Users
Portfolio Market Value Drop (MiFID)
Position Market Value Drop (MiFID

Channel Packaging and Channels »

Sustainability functionalities
Available from: 202304
The new ESG investing solution provides specific packaged features related to
the new sustainability regulation to support banks meeting the current mandatory
regulative requirements such as:
l Retrieve from the investors their sustainability preferences and apply these
in the investment advice and portfolio management process (For example,
PTCC, packaged sustainable investment models)
l Enrich RM/PM specific analysis functions with the sustainability details and
calculate a portfolio sustainability score to visualize a portfolio’s current
sustainability status before further improvements related to further
optimization.

The information or values in the sustainability details are available when the user
gets the ESG module license and ESG data are available.
The following new features are available when the new module is licensed and

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 Wealth Suite

ESG data are available:

l Portfolio Sustainability Score – Enables user to visualize a portfolio’s
current sustainability status as first step on the way to further improvements
related to further optimization.
l Consolidated Allocation – Enables user to view pie chart with assets
breakdown by Sustainability Global Rating.
l Instrument Details – Enables user to view all the available ‘Sustainability
Details’ of an instrument, organized in various cards and with a focus on
specific sustainability aspects Global Rating, rating history and
classification according to SFDR articles 6,8,9 for mutual funds, ratings by
E/S/G pillars, controversies, screening, and UN Sustainable Development
Goals.
l Instrument or Strategy Search – Enables user to search instruments or
strategies by their associated sustainability details.
l Instrument Recommendation – Enhances the instrument recommendation
rule to be derived automatically from the choices made by a client in the
Investment Profile assessment for the questions related to the preferred
sustainability investment themes.
l Constraints – System enables auto-creation of trading restrictions, security-
in constraints, and holding constraints automatically from the choices made
by a client in the Investment Profile assessment for the questions related to
the preferred sustainability investment themes.

The TSL precomputation job is enhanced to support calculating the ESG-related

information at the portfolio and at the instrument level.

The topics related to this feature are given below:

Viewing Sustainability Details of an Instrument
Portfolio Sustainability Score
Allocation Chart by Sustainability Rating
Instruments Search by Sustainability details
Sustainability details in Held Assets – Channels

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Wealth Suite

Sustainability Details in Compliance

PCK_ESG-related packaging Parameters

Portfolio Management » Business Indicators

and Business Objectives
Available from: 202304
A generic data model structure is introduced to store information for any set of
indicators. The data model structures the hierarchical information and stores the
details as attribute-value pairs where the attributes are added according to the
requirement.
The generic data model structure includes:
l Business Indicators – Infrastructure that supports the definition of various
sets of business indicators (categories) for different purposes. These
indicators can be referenced to other pre-defined entities (such as third
party, portfolio, strategy, and instrument) and used in various business
functions, such as valuation and compliance.
l BI Values – Stores the indicator value (runtime) data received from different
providers for the business indicator element associated with an instrument,
third party, portfolio, and strategy.
l Business Indicator Objectives – Enable users to set several objectives for
different business indicator elements and can be used to serve many
purposes, such as defining constraints based on the business indicator
objectives and building recommended instruments based on the objectives.
l Business Indicator Threshold – Enable users to set several thresholds for
different business indicator elements for which BI objectives are set. BI
threshold helps to modulate the BI objective result.

This structure is extended to store ESG-related data sets supporting one or more
data providers. The new ESG features are subject to license. The Initial load of
the ESG data received from the BO is stored as a part of this new data model at
instrument and issuer levels.

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 Wealth Suite

The topics related to this feature are given below:

Business Indicator
Business Indicator Objective
Business Indicator Threshold
Script Keywords to fetch records from BI Values
Script Keywords to fetch records matching Business Indicators
Objectives

Wealth Suite » Temenos Data Source ESG

Available from: 202304
Temenos provides a new ESG (Environmental, Social and Governance)
investing solution with package based on Data Provider MSCI’s sustainability
integrated with the following three WealthSuite components:

l Temenos DataSource (TDS)

l Transact
l WealthFrontOffice (TAP)

With respect to the above-mentioned components, the Temenos DataSource

core packaging is enhanced to cover ESG sustainability indicators within a new
dedicated infrastructure.
The relevant set of sustainability indicators and their definitions are aligned
across all WealthSuite components starting from the mastering component,
which is TDS, and sent to the downstream systems, Transact and
WealthFrontOffice (through TTI). From an end-to-end perspective, the set of
indicators and its definition are provided as meta-data definition.
TDE provides a pre-packaged meta-data definition that captures indicators for
different ESG categories like Rating, Controversy, Screening, SDG (Sustainable
Development Growth), and so on.

TDS also maintains domain values for all applicable indicators with Data Type as
Domain. As part of initial packaging all domain values related to MSCI are made

382
Wealth Suite

available. TDS provides a message-mapping configuration which delivers meta

data to Transact application SC.ESG.INDICATOR and also sends domain
values and its entries to Transact application EB.LOOKUP.
Runtime data
The runtime data provides the assigned values for the indicators defined within
the meta-model with their values at Issuer (Institution) and Instrument level.
l Staging Area - TDS provides preconfigured MSCI provider working areas,
physical tables, logical tables, physical-logical relationships, field
maintenance (import fields), system table or domain values, GUI panels,
and all the relevant CSV configurations for data provided as bulk files from
MSCI.
l Golden Copy - TDS provides two sub-working areas for institution and two
sub-working areas for instrument with working areas, physical tables,
logical tables, physical logical relationships, field maintenance, system
table or domain values, and GUI panels.
l Segmentation - TDS provides two sub working areas, one for institution and
one for instrument with working areas, physical tables, logical tables,
physical logical relationships, field maintenance, system table or domain
values, and GUI panels as part of initial package.
l MMC - TDS provides two message-mapping configurations, one for
institution and one for instrument, which deliver runtime data to Transact
application ‘SC.ESG.SCORES’.

Data flow
l Initial Load - During initial load of runtime information from MSCI, TDS
imports all the data to MSCI staging area through CSV configurations. This
data is then transferred to the golden copy based on the configurations
specified in meta-data definition. This information is sent to Transact on
triggering OFS message through MMC.
l Daily updates - MSCI always provides full set of data, however only delta
information is imported through TDS. This information is consolidated to
Golden Copy for the updated instrument or institution records. Update to
Golden Copy automatically triggers MMC creation and TDS transfers all the
indicator or pillar values for this updated instrument or institution record to
Transact through OFS message.

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 Wealth Suite

The topic related to this feature is given below:

MSCI Provider

WSFO Foundation » Reporting Solution

Available from: 202304
Java interfaces communicate with the OpenText reporting engine to produce
PDF or Excel files as output. OpenText Designer uses a set of classes to interact
with financial servers and read the produced data in the reporting database. This
process leverages the report’s development costs by providing ready-to-use
objects, such as matrices, stylesheet management, and custom charts.
Instead of permitting access to reporting database directly, Wealth Suite is
enhanced with Reporting Solution, which provides the reporting data as a
structured file output, such as XML or JSON. This data is then directly transmitted
to the reporting engine during the report generation call.
This solution uses existing TSL data extraction capability to support the following
features:
l Report definition (meta-description of report contents)
l Structured data through formats and capabilities
l Report engine connector through external services definitions

The topics related to this feature are given below:

Reporting Solution

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Temenos Banking
Capabilities
 Temenos Banking Capabilities

Temenos Banking Capabilities

Temenos Pricing Engine » Eligibility in TEP

Available from: 202208
The eligibility rules of TEP are used to define evaluation parameters to check if a
party is eligible to purchase a specific product, package, or benefit. The eligibility
mechanism is enhanced to allow business users to define business rules using
their own Decision Model and Notation (DMN) outside of TEP and import them
using the available microservices.

The topic related to this feature is given below:

Eligibility in TEP

Deposits & Lending » Deposits and Lending

Banking Capabilities
Available from: 202304
Deposits and Lending banking capabilities are now available, as part of the
distributed architecture, namely Temenos Banking Capability (TBC).
l Deposits TBC is an event-driven and API-based banking capability, built on
a composable architecture, which facilitates the creation, monitoring, in-life
servicing and closure of savings account, current account, term deposit and
multi-currency account products and arrangements.
l Similarly, the Lending TBC is an event-driven and API-based banking
capability, built on a composable architecture. This TBC facilitates the
creation, monitoring, in-life servicing and closure of lending products and
arrangements.

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Temenos Banking Capabilities

The topics related to this feature are given below:

Deposits TBC
Lending TBC

Limits » Limit Banking Capability

Available from: 202304
Temenos Transact now supports the distributed architecture for several
functionalities. The stand-alone systems are positioned as a distinct Temenos
Transact subsystem providing different banking capabilities that can be hosted
on the cloud platform based on the service required by the bank.
The Limit Banking Capability is one such subsystem that caters to credit risk
management operations. It is designed to work as a stand-alone system
interacting with the other subsystems in performing the customer credit risk
management service. It communicates with the other banking capabilities
through API in the distributed architecture.

The topic related to this feature is given below:

Limit Banking Capability in Limits

387