Temenos (TEMN) CMD 2026 summary

Strategic progress, vision, and market positioning

• Achieved strong execution in 2025, outpacing market growth with 12% product revenue growth and robust ARR pipeline expansion across all regions and segments.

• U.S. expansion advanced with the Orlando Innovation Hub, 70+ new developers, increased sales headcount, and focused hiring, driving significant pipeline growth.

• Three strategic levers—best of suite, composable core, and adjacent point solutions—remain central, with notable wins in Tier 1 banks and new markets like Brazil.

• Mission to modernize financial institutions with innovative, trusted solutions, serving 950+ core banking clients in 150+ markets and 600+ digital clients.

• Ongoing investments in R&D, sales capacity, and SaaS operations to drive growth and innovation.

Product, technology, and AI leadership

• Delivered composable core solutions for retail and corporate banking, and launched AI-enabled digital and point solutions, including Copilot for Core and FCM AI Agent.

• Agile release trains, Design Partner Program, and co-innovation with clients enabled faster, client-driven innovation and measurable outcomes.

• SaaS operations improved with 95% of environments provisioned in under five days and onboarding efficiency up 73%.

• AI embedded across product, process, and people, with AI agents deployed in SaaS operations and software development, driving operational efficiency.

• U.S. product suite now competitive across segments, with ongoing localization and co-innovation to achieve market leadership.

Go-to-market and customer success

• Sales capacity expanded by 60% in FY-25, with strict account segmentation, revised compensation, and focused US hiring to drive ARR growth.

• Value-based selling and AI-powered sales tools enable tailored business cases, supporting a 30% TCO reduction and ~3-year payback for SaaS migrations.

• Partner-driven sales and delivery models increased, with a focus on quality, certification, and governance, and hybrid models to scale implementations.

• U.S. pipeline growth outpaced all other regions, with a high proportion of SaaS and composable requirements, aiming for faster sales cycles.

• Key 2026 priorities: convert U.S. pipeline, accelerate regional pipeline growth, and increase partner-driven contributions.