Core Insights - Temenos has been recognized as a Leader in the IDC MarketScape for Worldwide Wealth Management Technology Services for Investment Advisors 2025, highlighting its strengths in integrated wealth offerings and compliance expertise [1][2] Company Overview - Temenos provides a comprehensive wealth management solution that integrates all necessary components within a single architecture, allowing for seamless operations between client relationship management and core accounting [3] - The Temenos Wealth platform is noted for its deep portfolio management functionality, global regulatory coverage, and capability to support complex private banking operations at scale [3] Product Features - Temenos Wealth offers an end-to-end solution that encompasses digital banking, customer relationship management, portfolio management, back-office processing, market data management, and analytics [3] - The platform is available for deployment on-premises, in the cloud, or as Software as a Service (SaaS), enabling financial institutions to enhance efficiency and deliver personalized services [4] Market Position - The recognition by IDC reflects Temenos' commitment to innovation and client-centric flexibility, particularly in addressing the evolving demands of wealth managers and regulatory environments [3] - Temenos aims to assist wealth managers in managing intergenerational wealth transfer and targeting mass affluent clients, reinforcing its position in the wealth management technology sector [3]

Core Insights - Temenos launched an AI-powered platform called Temenos Money Movement & Management to enhance payments and account services for financial institutions, enabling faster, more reliable, and cost-effective money movement [1][2][4] Group 1: Product Features and Benefits - The platform integrates payments, accounts, risk, and treasury modules, addressing the complexities and compliance demands faced by financial institutions [1][2] - AI-powered services such as automated payment repair, fraud detection, and copilot tools are included to minimize manual intervention and improve straight-through processing [2] - Built-in integration accelerators facilitate rapid onboarding of digital wallets and alternative payment networks like Wise, Thunes, Mastercard Move, Visa Direct, and Standard Chartered Scale [3] Group 2: Market Position and Adoption - Temenos Money Movement & Management is designed for banks, electronic money institutions (EMIs), and payment service providers (PSPs) involved in cross-border and domestic money movement [4] - The platform has been successfully adopted by FINCI, an EMI, which went live in just four months, highlighting its scalability and efficiency [4][5] - The solution is ISO 20022 and Open Banking ready, available globally as SaaS, or for deployment in cloud, on-premises, and hybrid environments [5]

Core Insights - Temenos has been recognized as a Great Place To Work in 10 countries, with 84% of employees affirming it is a great workplace [1][3] - Temenos France achieved 17th place in the Best Workplaces France 2025 and was included in the Great Place to Work® in Tech list [2] - The company emphasizes employee experience through various initiatives, including flexible working practices and mental health support [3][4] Employee Feedback and Recognition - 84% of employees across 10 countries believe Temenos is a great place to work, highlighting strong employee satisfaction [1] - Temenos France's recognition in the Best Workplaces France 2025 reflects the company's commitment to workplace culture [2] Company Initiatives - Temenos prioritizes employee experience with initiatives such as caregiver leave, mental health recharge days, and flexible hybrid working arrangements [3] - The company aims to create a culture of empowerment and accountability to attract and retain top talent [3] Industry Context - Great Place To Work research indicates that job seekers are 4.5 times more likely to find a great boss at a certified workplace, and employees at these workplaces are 93% more likely to look forward to work [5] - Temenos is positioned as a leader in banking technology, providing adaptable solutions for banks of all sizes [5]

Core Insights - Diebold Nixdorf has selected Oracle Fusion Cloud Service and Oracle Fusion Cloud Field Service to optimize its global service operations, leveraging AI to enhance efficiency and customer satisfaction [1][2][3] Company Overview - Diebold Nixdorf is a leading provider of services, software, hardware, and security for top financial institutions and retailers globally, aiming to unify and automate its service processes to meet the needs of its expanding customer base [2][6] - The company operates in over 100 countries and employs approximately 21,000 people, connecting digital and physical channels for millions of consumers daily [6] Technology Implementation - The integration of Oracle Cloud Service and Oracle Cloud Field Service is expected to automate complex service workflows, enable predictive maintenance, and improve the scheduling and routing of mobile workers [3][4] - With embedded AI, the new cloud applications will help manage millions of service tickets annually, leading to faster resolution times and reduced operational costs [3][4] Strategic Partnership - Diebold Nixdorf has been collaborating with Oracle since March 2024, building on previous successes in streamlining finance and HR processes with Oracle Fusion Applications [5][3] - The partnership aims to create a more efficient service delivery framework, standardizing processes and optimizing field operations through the latest AI innovations [4][3]

Core Insights - nCino, Inc. will report its financial results for the second quarter ended July 31, 2025, on August 26, 2025, after market close [1] - A conference call and webcast will be held on the same day at 4:30 p.m. ET to discuss these results [2] Company Overview - nCino is a leading provider of intelligent banking solutions, aimed at helping financial institutions digitize and improve business processes [3] - The company serves over 2,700 customers globally, including community banks, credit unions, independent mortgage banks, and major financial entities [3] - nCino integrates artificial intelligence and actionable insights into its platform to enhance decision-making, risk management, and customer satisfaction [3]

Core Insights - Diebold Nixdorf is participating as one of 70 contributors in the European Central Bank's innovation platform to explore digital euro payment functionalities and use cases [1][2] - The digital euro aims to be a universally accepted form of digital cash in the European Union, complementing existing payment methods [2] - Diebold Nixdorf's Vynamic® Transaction Middleware will integrate with digital euro interfaces, allowing banks to support new services efficiently [3][4] Company Involvement - Diebold Nixdorf is collaborating with the ECB to enhance the digital euro ecosystem, benefiting both banks and customers [2][4] - The company aims to assist banking customers in offering the digital euro as a new payment method in the future [4] - Diebold Nixdorf has a global presence, serving top financial institutions and retailers, and employs approximately 21,000 people worldwide [5]

Financial Performance Highlights - Core revenue grew by 4% year-over-year in Q2 2025[15, 49], reaching $1094 million[48] - Adjusted EBITDA margin was 186% in Q2 2025[15, 49], with Adjusted EBITDA of $205 million[49] - Adjusted diluted EPS increased by 9% year-over-year to $093[15, 49] - The company reaffirmed its FY 2025 outlook[16] Segment Performance - Self-Service Banking segment revenue increased by 9% year-over-year[23, 52] - Self-Service Banking adjusted EBITDA increased by 20% year-over-year[23] - Network segment revenue increased by 7% quarter-over-quarter[32] - ATM as a Service (ATMaaS) revenue increased by 32% year-over-year[17, 61] Key Performance Indicators - ATMaaS backlog increased by 105% year-over-year[17, 25] - Customer satisfaction scores improved by 160 basis points year-to-date[17, 24] - Cash deposit transactions in the Network segment increased by 170% year-over-year for the first half of the year[34]

Core Insights - Temenos has been recognized as the 1 best-selling software provider in 13 categories in the IBSi Sales League Table 2025, demonstrating its leadership in banking technology [1][2] - This marks the 20th consecutive year that Temenos has ranked 1 for core banking, indicating its sustained dominance in this segment [2][4] - The IBS Intelligence Annual Sales League Table serves as a benchmark for financial technology providers' sales performance, based on new customer contracts signed in a calendar year [3] Product Categories - Temenos ranked 1 in the following categories: Core Banking, Digital Banking and Channels, Payments (Retail), Private Banking and Wealth Management, Risk Management, Treasury and Risk Management, Digital Only Banks, Data Warehouse & BI, Islamic Banking (Universal Banking - Core, Risk Management, Payments - Retail, Wholesale Banking Treasury, Digital Banking and Channels) [4][8] Innovation and Investment - The company invests around 20% of its revenues in R&D, focusing on enhancing its capabilities and introducing innovations such as a Gen AI Copilot and an FCM AI Agent [6] - Temenos' software solutions are cloud-native and can be deployed on-premises, in the cloud, or as SaaS, providing flexibility and a proven path to banking modernization [5] Industry Recognition - Temenos has received multiple accolades, including being named a Leader in the 2024 IDC MarketScapes for Digital Core Banking Platforms across North America, EMEA, and Asia Pacific, as well as in the Forrester Wave™ for Digital Banking Processing Platforms [9]

Group 1 - Temenos has been awarded the Best Core Banking System at the Banking Tech Awards USA 2025, highlighting its innovative capabilities in the US banking sector [1] - The company offers a best-of-suite core banking and modular core solutions, providing US financial institutions with choice, flexibility, and a path to modernization, supported by cloud-native architecture and embedded AI [2] - Temenos' core banking software is trusted by over 950 banks globally and can be deployed on-premises, in the cloud, or as SaaS [2] Group 2 - US financial institutions using Temenos benefit from robust regionalization and pre-configured banking capabilities tailored for the US market, along with a Model Bank framework for efficient implementation [3] - The President of Americas at Temenos emphasized the award's significance in demonstrating the company's US banking capabilities and its commitment to innovation in this strategic growth market [4] - Temenos is establishing a new Innovation Hub in Central Florida, which will house around 200 technology and product developers to foster co-innovation with US financial institutions [4] Group 3 - The company invests approximately 20% of its revenues in R&D to enhance its core banking suite, with recent innovations including a Gen AI Copilot to expedite the design and optimization of financial products [5] - Temenos has launched the first Responsible Generative AI solutions for core banking in 2024, reinforcing its leadership in AI [5] - The company has been recognized as a Leader in the IDC MarketScape for North America Digital Core Banking Platforms 2024 Vendor Assessment and in The Forrester Wave™: Digital Banking Processing Platforms, Q4 2024 [6]

Core Insights - Temenos announced record-setting benchmark results for its cloud-native core banking solutions on Microsoft Azure, showcasing speed, efficiency, and scalability for modern AI-powered banking [1][2] - The benchmark simulated a bank with 25 million customers and 50 million accounts, processing 16,600 transactions per second while handling additional AI workloads [3] - The latest technology demonstrated over 40% improvement in efficiency compared to the previous year's benchmark, thanks to advancements in architecture and Microsoft Azure Cobalt 100 ARM processors [4] Technology and Performance - Temenos' banking solutions can process large volumes of transactions and data quickly and securely, using less hardware, which helps banks scale on demand while maintaining peak performance [5] - The benchmark also tested banking APIs through Microsoft Open AI Service interfaces to ensure readiness for future AI and Gen AI demands [5] Industry Trends - A Hanover Research survey indicated that 75% of banks are exploring Generative AI deployment, with 82% investing in technology to enhance operating efficiency [6] - Among banks already deploying or exploring Generative AI, 43% plan to increase their investment in the technology this year compared to last year [6] Expert Commentary - Industry experts emphasized the critical need for flexible and scalable core systems as banks adopt new technologies like Generative AI, highlighting the potential of Temenos' solutions to support high transaction volumes while managing infrastructure efficiency [7] - Temenos' commitment to cloud and SaaS technology is underscored by the benchmark results, which demonstrate the speed and scalability required for the next generation of banking [7] - The collaboration between Microsoft and Temenos is seen as a strategic move to enhance core banking capabilities in the cloud, aiming to transform customer experiences and drive innovation [7]