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Enhancing Islamic Banking Agility with a Modern, Extensible Core Platform
A leading Islamic bank modernized its core systems to streamline branch journeys, accelerate product innovation, and deliver consistent, scalable Shariah-compliant banking experiences.
Client
- Client
Challenge- Solution
- Impact
Client
The client is a leading Islamic bank headquartered in the Middle East, operating across a wide branch network in the UAE. As a full-service Islamic financial institution, the bank offers a broad portfolio of Shariah-compliant retail and corporate banking products. With a strong market presence and a diverse customer base, the bank’s growth strategy is centered on delivering differentiated Islamic products, enhancing branch-led customer experiences, and continuously modernizing its core banking capabilities.
Challenge
As the bank expanded its portfolio of complex Islamic products, its legacy technology landscape began to limit business agility. Core banking customizations were difficult to scale, slowing down the launch of new products and increasing dependency on manual processes within branches. Customer journeys across branch touchpoints were fragmented, leading to longer turnaround times and inconsistent service experiences.
Additionally, the bank needed to integrate multiple peripheral systems and branch devices while maintaining strict compliance with Islamic banking principles. The lack of a unified, extensible core platform resulted in operational inefficiencies, higher cost of change, and limited ability to rapidly respond to market demands or regulatory updates.
Additionally, the bank needed to integrate multiple peripheral systems and branch devices while maintaining strict compliance with Islamic banking principles. The lack of a unified, extensible core platform resulted in operational inefficiencies, higher cost of change, and limited ability to rapidly respond to market demands or regulatory updates.
Solution
The bank partnered with Temenos and its implementation partner to modernize and extend its core banking landscape using Temenos Transact and Temenos Data Hub. The solution focused on deep core customization and extensibility to support the bank’s unique Islamic banking requirements while ensuring long-term scalability.
The engagement covered end-to-end delivery, including the production of Functional Specification Documents (FSDs), Interface Design Documents (IDDs), and detailed technical specifications. Custom developments were built using Temenos Java extensibility, followed by unit testing, system integration testing (SIT), user acceptance testing (UAT), and post-go-live support.
Over 50 branch customer journeys were automated, integrating the core banking platform with peripheral banking systems and branch devices. Development and quality assurance were delivered through an offshore delivery model, enabling faster execution while maintaining high delivery quality.
The engagement covered end-to-end delivery, including the production of Functional Specification Documents (FSDs), Interface Design Documents (IDDs), and detailed technical specifications. Custom developments were built using Temenos Java extensibility, followed by unit testing, system integration testing (SIT), user acceptance testing (UAT), and post-go-live support.
Over 50 branch customer journeys were automated, integrating the core banking platform with peripheral banking systems and branch devices. Development and quality assurance were delivered through an offshore delivery model, enabling faster execution while maintaining high delivery quality.
Impact
The transformation delivered measurable business value by significantly improving operational efficiency and customer experience. With a modern, extensible core banking platform, the bank can now introduce new Islamic products faster, reduce operational costs, and scale its offerings without major technology rework.
Automation of branch journeys streamlined in-branch operations, reduced manual intervention, and shortened customer turnaround times. The unified Temenos platform also ensured ongoing access to regular product upgrades and innovations, protecting the bank’s technology investment over the long term.
From a leadership perspective, the initiative strengthened the bank’s ability to compete in a rapidly evolving market by aligning technology with business strategy—enabling growth, regulatory confidence, and consistent delivery of differentiated Islamic banking experiences.
Automation of branch journeys streamlined in-branch operations, reduced manual intervention, and shortened customer turnaround times. The unified Temenos platform also ensured ongoing access to regular product upgrades and innovations, protecting the bank’s technology investment over the long term.
From a leadership perspective, the initiative strengthened the bank’s ability to compete in a rapidly evolving market by aligning technology with business strategy—enabling growth, regulatory confidence, and consistent delivery of differentiated Islamic banking experiences.
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