docs(notes): add Temenos Transact en documentation

Author: lzwjava

notes/2025-03-25-temenos-transact-en.md

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+---
+title: Temenos Transact
+lang: en
+layout: post
+audio: false
+translated: false
+generated: true
+---
+
+**Temenos Transact** (formerly known as **T24 Transact**) is a **core banking system** provided by **Temenos**, designed to support retail, corporate, Islamic, and private banking operations. It is a modern, cloud-native, and API-driven banking solution that helps financial institutions automate processes, enhance customer experience, and drive innovation.  
+
+---
+
+### **Key Features & Functionalities of Temenos Transact**  
+
+#### **1. Customer & Account Management**  
+- Onboarding and managing customer profiles  
+- KYC and compliance checks  
+- Multi-currency account management  
+- Deposit and savings account services  
+
+#### **2. Payments & Transactions**  
+- Real-time payments (SWIFT, SEPA, RTGS, ACH, UPI, etc.)  
+- Cross-border payments  
+- Digital wallets and P2P transfers  
+- Payment orchestration and processing  
+
+#### **3. Lending & Credit Services**  
+- Loan origination, approval, and management  
+- Mortgage and personal loan processing  
+- Credit risk assessment and scoring  
+- BNPL (Buy Now, Pay Later) and microfinance options  
+
+#### **4. Treasury & Risk Management**  
+- Liquidity and cash flow management  
+- Foreign exchange (FX) and derivatives trading  
+- ALM (Asset Liability Management)  
+- Market and credit risk analytics  
+
+#### **5. Wealth & Investment Management**  
+- Portfolio and asset management  
+- Robo-advisory and investment planning  
+- Custody and securities trading  
+
+#### **6. Open Banking & API Integrations**  
+- RESTful and SOAP APIs for seamless integration  
+- Third-party fintech and regtech support  
+- Open banking compliance (PSD2, Open Banking UK)  
+
+#### **7. Compliance & Regulatory Support**  
+- Anti-Money Laundering (AML) and fraud detection  
+- Basel III and IFRS compliance  
+- Real-time regulatory reporting  
+
+#### **8. Cloud & SaaS Capabilities**  
+- Cloud-native and multi-cloud support (AWS, Azure, Google Cloud)  
+- AI-driven automation for banking operations  
+- DevOps and CI/CD integration for faster deployment  
+
+---
+
+### **Deployment Models**  
+- **On-Premises** – Installed within a bank’s infrastructure  
+- **Cloud (SaaS/PaaS)** – Hosted on Temenos Banking Cloud  
+- **Hybrid** – Combination of on-premises and cloud  
+
+Would you like details on a specific module or integration within Temenos Transact?