R20AMR ReleaseHighlights Client

Release Highlights
R20 AMR
Information in this document is subject to change without notice.
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CONTENTS Analytics 3
Payments 5
Installation and Configuration Notes 18
Technical Notes 21
Regulatory Compliance 26
Release Notes 37
Technical Notes 40
Temenos Infinity 44
Temenos Transact 55
Application Framework 56
Banking Framework 60
Corporate 71
Islamic Banking 73
Private Wealth 75
Regional Banking Solutions 80
Retail 130
Technology 136
Treasury 155
Release Notes 164
Technical Notes 167
ii
Analytics
Analytics
ANALYTICS
Integrate DW Online Intra with IF and Kafka

Available from: 201908
Kafka is introduced for streaming data between Temenos Transact and
Analytics as a separate unit, thereby moving towards an enterprise architecture.
Kafka layer will act as an intermediary layer to receive data from source systems
and stream these data to target system in near real time.
Online and Online Intra Framework for APIs

Temenos Transact can now extra process (Process, Transform and Filter) near
real time (Online and Online Intra Takeover) transaction records based on the
DW.EXPORT.API application.
DW Export to Capture FTs Raised in System Wide Stage of COB

DW Export can now capture all the Funds Transfers (FTs) created by COB
during the system wide stage through Standing Order or Transaction Cycler. DW
picks up FTs from both Live and History tables, based on the Processing Date or
Authorisation Date = Mis date.
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Payments
Payments
PAYMENTS
Temenos Payments » Forward Clearing Status Reports to

Indirect Participant Banks
For payments initiated by the Indirect Participant (IP) bank, users can resubmit
the rejected pacs.008 and pacs.004 for clearing. They can also forward the
.002s2 rejection to the IP.
Europe » Request To Pay (RTP) Payments

Temenos Payments now supports RTP and stores the amount instructed by the
payee in the payment system.
Temenos Payments » Pending Unmatched R-Payments Enquiry

New enquiry (Pending Unmatched R-Payments) is added, which lists the CT
return transactions (pacs.004) in repair status (status code - 235), due to original
transaction not found and transaction not in completed statues.
Europe » SEPA Instant Payment (IP) Transaction Enquiry

Enhancement
TPH can view additional details of the files, bulks and transactions received
from or sent to IP.
Queue for Stand-In Channel

During the Temenos Payments Hub (TPH) outage, all messages are routed to
Stand-in instead of TPH by IIB. Stand-in stores and, in some cases, processes
and transforms the messages for a later replication to TPH.
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Payments
Argentina » DEBIN Payments Processing

New functionality is introduced to handle payment services like DEBIN (Debitio
Inmediato - Immediate Debit).
Argentina » DEBIN Buyer/Seller Registration

PPADBR.DEBIN.REGISTRATION application is added for DEBIN user
registration and an enquiry is now available to the customers of the banks to list
only the active DEBIN registrations with an option to De-register.
Payment Initiation » Retry Failed Authorisation

Users can now define expiry time out and duplicate request time out for INST
and NR-INST differently.In a stand-alone TPH installation, manual authorisation
request is sent to an external DDA with the Originating Source, Clearing
Transaction type, Cut-off Time and Cut-off Date parameters.If the time stamp of
the payment is null at TPH, then the Manual Authorisation Required flag is sent
to the external DDA as ‘Y’, else it is sent as ‘N’ and the current BAU process
flow applies.
United Kingdom » UK Faster Payments

Temenos Payment Hub (TPH) can receive redirected beneficiary account
details and store them, classify payments as synchronous or asynchronous
payments, for priority processing by the bank and receive and process Direct
Corporate Access payments from UKFPS clearing.
Europe » Reclaim of Direct Debit

Users can now reject an incoming direct debit return or refund. They can send
out a direct debit return or refund payment to clearing and settle at a later point in
time.
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Payments
Argentina Local Immediate Transfer

Temenos Payments Hub (TPH) now supports Local Immediate Transfers
(Instant payments) for Argentina.
Argentina Credit Transfers

TPH can now process Argentina Local Transfer (Credit Transfer) payments and
also the return (rejection as per Argentina Clearing) payments associated with it.
Argentina Direct Debits

TPH can now process Argentina Direct Debits payment.
Europe » EP SEPA (Legacy) 2019 Rule Book Changes

Latest regulatory changes of SEPA Rule Book 2019 is available with new
message formats.
Argentina » DEBIN Mappings and Workflows

Temenos Payments Hub can process DEBIN (Debitio Inmediato - Immediate
Debit) payments. DEBIN is a ‘request to pay’ type of payment, where the Seller
(Creditor) initiates a collection request to the clearing house (COELSA) via
seller’s bank using a new application - DEBIT.ORDER.
United Kingdom » UK FPS Phase IV

This enhancement supports Temenos Payments Hub (TPH) solution for UK
Faster Payments (FPS) Phase IV requirements.
United Arab Emirates » Send or Receive Payments

Temenos Payments Hub (TPH) now supports payments to MASAV Clearing.
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Payments
Europe » SWIFT 2019 Rulebook Changes

Temenos Payments Hubs (TPH) now adds field 121 unique end-to-end
transaction (UETR) in block 3 of enquiry messages.
Europe » SEPA INST 2019 Changes

TPH now supports the mandatory EPC (European Payments Council) changes
from Single Euro Payments Area (SEPA) Rule Books for SEPA Instant Credit
Transfer (SCT INST).
Argentina Domestic Transfers via STO

Users can initiate Argentina Local Transfers (salary and retail) from Standing
Order application.
Payment Initiation » Auto-Update Order Status for Payment

Orders
Temenos Payment Order application can be configured to auto complete the
payment orders sent to an external payment system without an acknowledgment
from payment system.
Europe » SEPA 2019 Rule Book Changes

Temenos Transact complies with the SEPA 2019 Rulebook changes proposed
by European Payment Council/Euro Banking Association.
United Kingdom » UKFPS Phase V

This enhancement supports Temenos Payments Hub (TPH) solution for UK

Faster Payments (FPS) Phase V requirements.
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Payments
DD Mandates Handling
Temenos Payments Hub (TPH) can now segregate and route the Direct Debit
(DD) mandates related messages to DD.DDI system (using a L2 API of naming
format <OriginatingSource>NSRInMsgHandling), once the DD presentation and
rejection files are received from Argentina Direct Debit Clearing (COELSA).
Payment Initiation » Payment Initiation Fraud Check

In certain scenarios, fraud engine requires more time to investigate the order. In
such cases, fraud engine can send a Hold status until it can update the status of
the order.
Payment Initiation » TPH Static Data – Bank Status Management

When a participant bank does not have enough liquidity in their settlement
account (or enough account limits in clearing) to clear and settle payments,
clearing and settlement mechanism informs all the participant banks
participating in the clearing to block payment flows towards such participant.
Temenos Payments » Batch Payments Repair

Payment instruction within a Credit Transfer or a Direct Debit Initiation file may
not be processed due to functional errors. These were auto reversed by TPH
and the users cannot rectify and reprocess the payments.
United Kingdom » CHAPS Returns

When an incoming payment is received from CHAPS, the payment is processed
and various validations are performed. If there is an error during processing, the
payment is moved to Manual Repair. Bank users can manually repair and
process the payment if possible or return the payment.
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Payments
Posting – Custom Statement Text Tokens

Predefined list of statement text tokens enable users to send payment
information to be printed on account statements. In certain cases, users have to
define custom text tokens to display payment information in account statements.
Temenos Payments » BIC Derivation from Clearing Directory

SWIFT provides reference directories for validating and deriving Business
Identifier Codes (BICs) to be used for payment processing.
Europe » EQUENS Rule Book Changes 2019

Temenos Payment Hub (TPH) has been enhanced to be compliant with
Netherlands Instant Clearing (EQUENS) Rule Book 2019 changes.
Temenos Payments » Character Conversion Capability in TP

Clearing
This functionality now allows users to configure one or more replacement
characters for any unsupported character present in payment data. Replacement
of characters allows banks to comply with Clearing compliance rules and
regulations in various Clearings around the world.
Temenos Payments » Total Payload Emission for Sanction

Screening
Banks can now configure Temenos Payments to emit total payment data for
sanction screening as opposed to limited set earlier. This functionality allows
banks to choose a larger set of payment data as per their local or regulatory
requirements.
Europe » Instant Payments Time Out

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Payments
TPH is now enhanced to allow banks to configure the timeout period for instant
payments. This allows the banks to work with instant clearing schemes that do
not support positive acknowledgements.
Europe » Target Instant Payment Settlement Clearing

TPH now supports Target Instant Payment Settlement (TIPS) Clearing, a new
market infrastructure launched by Eurosystem in November 2018 based on EUR
currency. TIPS is based on SEPA Instant Credit Transfer (SCTINST) scheme
and in accordance to ISO 20022 standards.
Temenos Payments » Delayed Status Reporting in TPH

Delayed status reporting allows the bank to continue to repair payments that are
in error or awaiting repair beyond settlement date, but still be reported in the
CSR. This feature is typically useful to book direct debit transactions for which
funds may be available on the debtor account only after the settlement date.
Australia » BECS Direct Entry Clearing

Temenos Payments Hub (TPH) now supports Credit Transfers, Direct Debits
(inward only), Returns and Refusal of Returns and operate your bank as Indirect
Participant of DE functionalities.
Payment Initiation » Integration of Treasury with Payment Order

Temenos Transact Treasury module is integrated with PO application allowing
banks to initiate Forex and Money Market transfers, be it in-house or non in-
house, and be processed through TPH. PO application is enhanced to
accommodate additional payment order attributes for enhanced functionality
around international transfers.
Payment Initiation » Payment Order Application – FX Orders –

Capture Transfer Amount in Debtor’s Currency
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Payments
PO application now allows the user to choose payment currency same as debit
account currency. User can initiate payment for a certain transfer value in the
currency of their own account, and request bank to pass on the equivalent
amount in payment or credit account currency.
Payment Initiation » Payment Order – Inter-Branch Transfer

Enhancements
POA now has the ability to initiate inter-branch payment orders from debit
account belonging to another branch. Hence, POA supports transfers between
branches of the Temenos Transact Company.
Temenos Payments » Support of Additional Versions of Pain

(Payment Initiation) Message
TPH is now enabled to support Pain.001.001.02 for r Customer to Bank (C2B)
payment initiation and pain.002.001.02 for customer status reports. This allows
multiple versions of C2B messages for payment initiation to coexist, hence,
required version can be used.
Temenos Payments » Ability to Support German C2B Format for

Payment Initiation
TPH is now enabled to support the DTAZV file format that follows the
specifications set in ‘Foreign payment transactions in data exchange between
customer and bank’, issued by the Central Statistics Department of the Deutsche
Bundesbank. A new license code (PPC2BM) is required to process the DTAZV
request, hence, it is supported out-of-the-box in TPH.
Temenos Payments » New Enquiry to View Archived Payments

A new enquiry is introduced to view the archived and processed payments,

which retrieves the information from $ARC files. Additionally, it has an option to
view the audit trail of the processed payments.
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Payments
Auto Cancellation of Duplicate Payments from Exception Queue

To handle crashes at ESB layer, TPH now posts the file that requires re-
processing to a new queue, checks for payments from an exception queue,
allows to build local enquires to view the exceptions, supports all types of bulks
and configures the system to skip file-level duplicates when received from the
exception queue.
Australia » BPAY Clearing

TPH can now perform outbound bill payment file processing and inbound
rejection of bill payments using the Australian BPAY Clearing.
Argentina » Pre-Authorisation and Chargeback

TPH now allows the user to register or deregister pre-authorisation or recurrence
service, initiate chargeback (request for return of funds) for a processed pre-
authorised DEBIN request.
Europe » SEPA Rulebook Changes for 2019 by RPSSCL

To cater to the changes proposed by EPC/EBA/RPSSCL, the following
upgrades are performed: Claim of Non-Receipt by originator (Camt.027), claim
for value date correction or request to modify payment (Camt.087), request for
status update (Pacs.028) for Camt.27 and Camt.87, incoming Pacs.002s2 (QVF)
and resubmission of Camt.029 and remittance information.
Africa » Configure TPH to Support SYGMA RTGS Clearing

Temenos Payments Hub (TPH) now supports SYGMA RTGS clearing and
message types (MT103, MT202, MT910, MT199 or 999).
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Payments
Temenos Payments » Processing SRP Request from the SWIFT

Tracker
All the GPI-enabled banks that acts as an instructed or intermediary party in a
gCCT now have the ability to receive a gSRP request from the SWIFT Tracker,
process and respond to the request from gSRP cancellation request queue with
an intermediate status (pending) or a final status (accept or reject).
Temenos Payments » SWIFT GPI – Initiate GPI Stop and Recall

Process (gSRP)
The gSRP initiation now supports the GPI Stop and Recall Payments process.
VIBER and IG2 Payments Information to Clearing Directory

Temenos Payments can now receive the GVT file that has the details of VIBER
and IG2 payments, and upload the participant information (automatically) to the
CA.CLEARING.DIRECTORY based on which reachability check is performed.
Additionally, it allows the bank users to view the uploaded information.
Temenos Payments » Timed Warehouse from Temenos

Payments
Banks can use this functionality for the following:
l To time the release of a payments to clearing.

l To debit the ordering customer as close in time to release the payment to
clearing.
United Kingdom » Reachability with a BIC or Sort Code

15
Payments
Temenos Payments can now perform reachability with either Bank Identifier
Code (BIC) or National Clearing Code (sort code) that is received in a payment
instruction.
Temenos Payments » Additional Criteria for Configuring

Distribution Cycles for a Clearing
The users can now configure different distribution cycles based on Message
Type, Clearing Nature Code and Currency for a Clearing. The system can
automatically create and process settlement transaction for post settled credit
transfers based on the time configured in reject cut-off time.
Temenos Payments » Processing Inward MT102 Payment

Temenos Payments can now receive and process the inward MT102 payment
message from SWIFT through banking delivery framework. The MT102
message has Sequence A, B and C sections.
Temenos Payments » Product Peeling Off Mechanism Based on

Incoming Message Type
Temenos Payment is now enhanced to determine the heavy weight product
based on the incoming message type without defining Level 2 and Level 3
parameters, such as ordering and beneficiary parties.
Sri Lanka » Sri Lanka RTGS Clearing

The incoming MT102 message type is also handled as a part of this clearing.
Temenos Payments now supports the Sri Lanka RTGS by offering the Outgoing
MT103 and MT202 RTGS payments and Incoming MT103, MT202 and MT102
RTGS payments functionalities.
Payment Suite » Payment In-built ESB Solution using Camel

The inbuilt ESB solution offers the following benefits:
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Payments
l Can be based on open source available in the market

l Does not involve additional cost
l Platform independent and deployable in any Java Virtual Machine (JVM)
l Libraries are based on widely used Enterprise Integration Patterns
Click here to understand the installation and configuration updates for this
enhancement.
Temenos Payments » Ability to Connect to a DDA System (which

is also Temenos Transact)
Temenos Payments can be configured as a standalone system to connect to

any DDA (External or Temenos Transact).
enhancement.
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Installation and
Configuration
Notes
Payments
INSTALLATION AND
CONFIGURATION NOTES
Centralised Bank and IBAN Directory

Bank Identifier Code (BIC), RMA and No RMA tables are moved from PP
module to a centralised Reference Data (RD) module. Since all these tables
refer the RD module, it becomes mandatory for PP.
Ability to Connect to a DDA System (which is also Temenos

Transact)
The Payments External Messaging Interface (PEMINT) is a new interface
module that is used for interaction between Temenos Payments (as a
standalone payment system) and Temenos Transact DDA system. This module
enables interaction in both Standalone and Embedded mode.
l In Standalone mode, IF events are emitted from Temenos Payments

instance, which the new interface PEMINT module uses, processes and
sends the response to Temenos Transact DDA instance.
l In Embedded mode, IF events are not emitted and interaction by the new
interface PEMINT module is synchronous through the DDA APIs.
Payment In-built ESB Solution using Camel

l During client upgrading, the IIB solution is upgraded to embedded Camel

solution that works seamlessly without any changes.
l Existing IIB flows are still considered for care and maintenance in the
supported releases.
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Payments
l There will not be any further enhancements in the existing IIB flows.
Hence, the client needs to upgrade and use the embedded Camel
solution.
l Existing IIB flow will be enhanced for the regulatory or compliances
requirements, based on the evaluation of the changes.
20
Technical
Notes
Payments
TECHNICAL NOTES
Centralised Bank and IBAN Directory
Bank Identifier Code (BIC), RMA and No RMA tables are moved from PP
module to a centralised Reference Data (RD) module.
Moving to Centralised Data Storage by Using RD.
l The Reference Data (RD) and IN (IBAN) are required to use the related
configuration tables.
l If an upgrade is performed to release 201910 or later, the RD module will
be available for use.
l After the upgrade, an option to continue the usage of the Temenos
Payments tables (PPT.BICTABLE, PPT.BANKCODE,
PP.COUNTRY.IBAN.STRUCTURE and PP.EXCLUSION.LIST) until the
switchover to RD is available.
Setup to Continue the Use of Temenos Payments Tables until the

Switchover is Complete
l In TPS.INTERNAL.CONFIGS table, a PP.BIC.ENABLE record signifies

that Temenos Payments tables will be referenced instead of RD tables
during payment processing.
l NOTE: The user needs to enter the record manually to use the existing
Temenos Payment directory solution.
Setup to Start the Use of RD Directories after the Switchover is Complete
l In the RD.PARAMETER table, set the Reference Data field as ‘Yes’.
l Remove the PP.BIC.ENABLE record from TPS.INTERNAL.CONFIGS. To

know more, refer the below tables.
Enabling RD versus Continuing to Use Temenos Payments Tables

System uses the following configuration combinations to decide whether
payment processing needs to refer to Temenos Payments or RD directory:
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Payments
Configuration in Configuration in Set of Tables that the

RD.PARAMETER TPS.INTERNAL.CONFIGS System Uses
Not Applicable Not Applicable Temenos Payments
Record Not Available Not Applicable Temenos Payments
No Not Applicable Temenos Payments
Yes PP.BIC.ENABLE Temenos Payments
Yes Record Not Available RD
Ready Reckoner to Temenos Payments Tables and its Equivalent Tables

in RD
Existing Table in Temenos Payments Table in RD or IN Remarks
To store BIC related

PPT.BICTABLE RD.CENTRAL.BANK.DIR
information
RD.CENTRAL.BANK.DIR To store National

PPT.BANKCODE Clearing or Sort
IN.IBAN.PLUS
Codes
To store IBAN
PPT.COUNTRYIBANSTRUCTURE IN.IBAN.STRUCTURE
structure
To store National
Clearings Codes,
PP.EXCLUSION.LIST IN.EXCLUSION.LIST
which cannot be used
as part of an IBAN
NOTE: Temenos Payments tables store Bank Identifier Code (BIC) with data
for each company. Hence, can have duplicate records. This can be eliminated
by using RD, as the tables do not store data of each company (they are install-
ation level tables).
l RD directories follow the same schema specified by SWIFT.

l The fields in PPT.BICTABLE, PPT.BANKCODE and
PP.EXCLUSION.LIST are a subset of the fields in
RD.CENTRAL.BANK.DIR, IN.IBAN.PLUS and IN.EXCLUSION.LIST.
Hence, there will be no data loss due to the migration. Payment
processing also works seamlessly once switched over to RD.
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Payments
l Manually created data records in PPT.BICTABLE and PPT.BANKCODE

needs to be entered in as custom records in RD.CENTRAL.BANK.DIR
and IN.IBAN.PLUS.
l The following fields in PPT.COUNTRYIBANSTRUCTURE are moved to
PP.COMPANYPROPERTIES:
Field in Equivalent Field in

PPT.COUNTRYIBANSTRUCTURE PP.COMPANYPROPERTIES
Home Country Indicator Home Country Code
National Clearing System Code National Clearing System Code
Allow Special Character Set Allow Special Character Set
Code Page Set Code Page Set
l The Currency Code field in the COUNTRY table for the local country code
will be referred in the flow, instead of Local ISO Currency Code field in
PPT.COUNTRYIBANSTRUCTURE. To auto migrate the values of these
fields from PPT.COUNTRYIBANSTRUCTURE to
PP.COMPANYPROPERTIES, execute the
TPS.BANKBIC.CONCAT.CONVERSION migration service.
NOTE: The migration service is run irrespective of whether RD module is

installed or not.
The user needs to perform the following to move to RD after upgrade:
l Install RD after the upgrade.

l Install IN module (if not installed already).
l Execute the TPS.BANKBIC.CONCAT.CONVERSION service.
l Before the migration of Temenos Payments to RD, perform the following
configuration during switchover period:
o Enable TPS.INTERNAL.CONFIGS with PP.ENABLE.BIC record,
so that payments can be processed by referring to the existing
Temenos Payments.
o Set the Reference Data field in RD.PARAMETER table to ‘No’.
To migrate to RD, perform the following actions:
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Payments
l Using the auto upload mechanism, upload the records to

RD.CENTRAL.BANK.DIR, IN.IBAN.PLUS, IN.EXCLUSION.LIST and
IN.IBAN.STRUCTURE tables.
o Reverse the PP.ENABLE.BIC record from
TPS.INTERNAL.CONFIGS.
o Set the Reference Data field in RD.PARAMETER to ‘Yes’.
l Ensure the migration is performed in the test environment and payments

are tested by using the data uploaded in RD directories (before migrating it
to production).
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Regulatory
Compliance
Regulatory Compliance
REGULATORY COMPLIANCE
IFRS9 Accounting » Handle Individual Impairments

Temenos Transact is enhanced to handle individual impairment requirements
on overdrafts (OD) and credit cards (CC) through the IFRS.DATA.CAPTURE
application, as part of IFRS 9 implementation.
CRS Client Identification » Automatic Creation of CRS Records

Temenos Transact has been updated to automatically create Common
Reporting Standards (CRS) records (CRS.CUST.SUPP.INFO) for all newly
active personal customers and for existing customers who have not warranted a
CRS.CUST.SUPP.INFO record, based on the customer details stored in the
system.
FATCA Client Identification » Automatic Creation of FATCA

Customer Records
Temenos Transact has been updated to automatically create Foreign Account
Tax Compliance Act (FATCA) customer records
(FATCA.CUSTOMER.SUPPLEMENTARY.INFO) for all newly active personal
customers and for existing customers who have not warranted a
FATCA.CUSTOMER.SUPPLEMENTARY.INFO record, based on the customer
details stored in the system.
FATCA Reporting » FATCA Balances for Closed Accounts

Users can now configure their FACTA setup to report the balances on closed
accounts, using the new field High Bal Days in the FATCA.PARAMETER
application.
27
Customer Data Protection » Deletion of Customer Data

Temenos Transact now allows banks to erase specific customer data whilst the
customer is Active. Banks can use this feature to erase data based on an
erasure request for specific purposes (like consent) and from contracts (as a
data minimisation process) once the lawful retention period for holding the data
has passed.
Customer Data Protection » Joint Customer Activity for AA

This enhancement (in Customer Data Protection module) allows customer
activity to be updated for all customers linked to an AA contract.
enhancement.
CRS Reporting » CRS Year-End Data Copy Capability

This functionality (if enabled in the CRS.PARAMETER record) creates a
CRS.STATIC.INFO.COPY record for every customer record, which is reportable
in the CRS.CUST.SUPP.INFO record, as part of the COB processing on 31st
December (using the CRS.REPORTING.SERVICE).
FATCA/CRS Client Identification » Indicia Update - FATCA and

CRS
ST.INDICIA.UPDATE batch job has been introduced for Foreign Account Tax
Compliance Act (FATCA) and Common Reporting Standards (CRS) modules.
Customer Data Protection » CDP Requests Processing for

PERSON.ENTITY
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Customer Data Protection (CDP) module is now enhanced to allow CDP

requests, including erasure, to be raised and processed for the
PERSON.ENTITY application.
enhancement.
IFRS9 Accounting » Interest Recognition on Net Carrying Amount

This feature enables the interest revenue recognition on net carrying amount on
impaired or stage 3 contracts, when interest revenue is recognised to the Profit
and Loss account. It allows the system to: Identify impaired contracts for which
interest revenue is not suspended, calculate and post an adjustment on interest
recognition on identified impaired contracts, review the contract and post the
changes on interest adjustment and reverse the adjustment entries passed if the
contract moves out of stage 3.
FATCA Reporting » FATCA Year-End Processing

FATCA (Foreign Account Tax Compliance Act) module has been enhanced to
create a copy of the FATCA related data as on year-end, and use this for the
creation of the FATCA submission file. Bank users can also modify this year-end
data, if required.
Recognition of Fees » Split Fees and Cost Delta

The splitting of delta (difference between the transaction cost and amortised
cost) through International Financial Reporting processing is enabled as a
generic feature and not exclusively for FASB 91. With this enhancement, banks
can account for the non-refundable fees and costs separately under amortised
cost.
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enhancement.
System Tables » Customer Entity Supplementary Information

The SZ.CUSTOMER.ENT.SUPP.INFO application is introduced in the System
Tables module to capture additional information for corporate customers, to cater
to the regulatory requirements of the European Central Bank and the European
Supervisory Authorities.
Click here to understand the technical impact of this enhancement for

customisation and upgrades.
Recognition of Fees » Activating Delta Split for Existing Contracts

This enhancement enables the splitting of delta between the fees and costs on
consolidated delta, when the loan is already IFRS9 compliant.
FATCA Client Identification » FATCA Customer Data

Reasonableness Checks
CUST.REASONABLENESS.CHECK.PARAMETER table with a record for Foreign
Account Tax Compliance Act is introduced to define the fields that are used to
check reasonableness. FATCA.CHECK.REASONABLENESS enquiry is
introduced to check reasonableness based on the fields defined in the
parameter table, which helps identify the data inconsistencies.
enhancement.
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CRS Client Identification » CRS Customer Data Reasonableness

Checks
CUST.REASONABLENESS.CHECK.PARAMETER table with a record for
Common Reporting Standard is introduced to define the fields that are used to
check reasonableness. CRS.CHECK.REASONABLENESS enquiry is
introduced to check reasonableness based on the fields defined in the
parameter table, which helps identify the data inconsistencies.
enhancement.
Recognition of Fees » Split Fee and Cost Delta Takeover

Processing
This feature enables the system to: Record the non-refundable fees and cost on
takeover or migrated contracts, and split and post the delta between fee and cost
on a migrated or taken over contract.
Arrangement Architecture » APR Calculation for Commitment

Arrangements
This functionality allows Annual Percentage Rate (APR) calculation for new
arrangements that are not disbursed and cashflow generation during
simulations. APR calculation during simulations helps banks to support loan
origination, mass rate changes and quote APR for a prepayment request from
the customer.

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Customer Data Protection » Customer Data Protection APIs

Temenos Transacthas exposed provider APIs to access the request
management tool and consent management framework related to Customer
Data Protection.
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Installation and
Configuration
Notes
INSTALLATION AND
CONFIGURATION NOTES
Joint Customer Activity for AA

Customer activity update has been enhanced to capture the AA accounts linked
to the AA contracts shared by multiple customers. This does not need any
additional configuration. However, if the takeover of customer activity is already
done, the ST.TAKEOVER.CUS.ACTIVITY service needs to be rerun to ensure
the AA accounts are updated in the customer activity table for all customers
holding the AA Contract.
CDP Requests Processing for PERSON.ENTITY

Customer Data Protection (CDP) Processing has been extended to handle
PERSON.ENTITY application and it is required to configure the Party
Application field in CZ.CDP.DATA.DEFINITION and
ST.CUSTOMER.ACTIVITY.PARAMETER applications, appropriately.
The customer activity takeover for PERSON.ENTITY application is available as
part of the existing ST.TAKEOVER.CUS.ACTIVITY service. If takeover is
already run, then it is required to re-run the service to get the records of
PERSON.ENTITY updated in the customer activity. For new installation, the
service is expected to be run only once, which would update the records in
CUSTOMER and PERSON.ENTITY.
Split Fees and Cost Delta

The FASB feature works only if a RN (Recognition of non-refundable fees and
cost from Loans) license is purchased.
To enable delta split accounting for FASB-91, the Split Delta field value in
IFRS.ACCRUAL.PARAM application needs to be set to Y. This field is enabled,
only if the RN licensing is available.
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PSD2
Payment Initiation Service Provider (PISP)
l Configure the PX.PARAMETER application, as required.

l The value of the Obd Provider field (in PX.PARAMETER) must be a valid
record in ST.OPEN.BANKING.DIR.PARAMETER application, else set it
to EXTERNAL.
l If the Obd Provider field is set to EXTERNAL, it indicates that the
TPP validation is expected to happen outside of Temenos Transact,
that is, before the request hits Temenos Transact.
l If the Obd Provider field is set with the record key of the
ST.OPEN.BANKING.DIR.PARAM application, then the TPP
validation is done against open banking directory for every incoming
PSD2 API request.
Account Information Service Provider (AISP)
l Configure the PZ.PARAMETER application, as required.

l The Consent Mgmt field (in PX.PARAMETER) indicates whether the
consent management is done within Temenos Transact (Internal) or held
externally (External).
l If the Consent Mgmt field value is Internal, ensure PSD2.CONSENT
product is published and available under the product line
ACC.CONSENT.
FATCA Customer Data Reasonableness Checks

Configure the CUST.REASONABLENESS.CHECK.PARAMETER application to
enable the reasonableness check functionality.
CRS Customer Data Reasonableness Checks

35
Configure the CUST.REASONABLENESS.CHECK.PARAMETER application to

enable the reasonableness check functionality.
36
Release Notes
RELEASE NOTES
PSD2 Account Information (PZ Module)

This module provides support for account Information sharing under PSD2. It
currently supports the Berlin Group API Guideline (v1.3.4) and includes the
following functionalities:
l PZ.PARAMETER table to define the types of eligible accounts and other

PSD2 configurations.
l Utilises the Open Banking Directory in ST module and enables a Third
Party Provider (TPP) Validation process.
l Consent processing including:
o A PSD2 Consent Management framework that considers online
channels access for a customer’s accounts
o Workflows for creating, updating and revoking consent through APIs
o Consent Validation
l Supports Account Information APIs such as:

o Get Accounts
o Get Account Details
o Get Account Balances
o Get Account Transactions
o Get Transaction Detail
In addition:
A PSD2 User Agent interface helps with user experience and allows user
confirmation or cancellation of requests.
Support for CBPII requests or confirmation of Funds APIs.
PSD2 Payment Initiation (PX Module)

38
This module provides support for Payment Initiation under PSD2. It currently
supports the Berlin Group API Guideline (v1.3.4) and includes the following
functionalities:
l PX.PARAMETER table to define the types of eligible accounts and other

PSD2 configurations.
l Utilises the Open Banking Directory in ST module and enables a TPP
Validation process.
l Payment Initiation workflows (that is, payment creation, submission and
cancellation) through APIs that supports PAYMENT.ORDER,
STANDING.ORDER and FUNDS.TRANSFER
This includes a check against eligible accounts and the customer’s online
channels permissions.
l Payment Resource application to hold PSD2 related details for a payment

that assists with authorisation workflows.
l Supports additional Payment APIs such as:
o Get Payment Details
o Get Payment Status
In addition, a PSD2 User Agent interface helps with user experience, shows
payment transparency details and allows user confirmation or cancellation of
payments.
39
Technical
Notes
TECHNICAL NOTES
AnaCredit Regulation
A new module SZ is introduced for Anacredit. During upgrade this will get
installed by default for the clients having the ST module.
FATCA Customer Data Reasonableness Checks

The new FATCA.DO.REASONABLENESS.CHECK API provides the
reasonableness result for a customer during or post onboarding, based on the
configuration in CUST.REASONABLENESS.CHECK.PARAMETER record.
CRS Customer Data Reasonableness Checks

The new CRS.DO.REASONABLENESS.CHECK API compares the From and
To fields defined in the CUST.REASONABLENESS.CHECK.PARAMETER
record and provides the reasonableness result for a customer during or post
onboarding.
Cashflow Movement from IA to CW

The routines and tables related to the EB.CASHFLOW table in the International
Accounting (IA) module are moved to the CashFlow (CW) module.
l The CW module acts as a child module to the existing IA and AA modules.

l CW will be automatically installed for those clients who have either of
these modules (IA or AA).
l Calls to the EB.CASHFLOW table and related APIs should be
CW.CashFLow (Component in CW) and not IA.Config (Component in IA).
NOTE: Local routines using the componentized code should be modified

accordingly.
41
Movement of Customer Activity to System Tables (ST)

Customer Activity table is reclassified to be part of System Tables (ST) module.
The existing CZ.CUSTOMER.ACTIVITY table contains information related to
Customer Data Protection (CZ) module while the new
ST.CUSTOMER.ACTIVITY table holds the list of contracts and contract related
information.
Prior to release 202001, the configuration table to update customer activity was
initially part of the CZ module and the same has also been moved to a new
parameter table called ST.CUSTOMER.ACTIVITY.PARAMETER.
In releases 202001, 202002 and 202003 the
ST.CUSTOMER.ACTIVITY.PARAMETER is a single record keyed in by the
term ‘SYSTEM’ with multiple set of applications configured to update
ST.CUSTOMER.ACTIVITY.
From 202004, the ST.CUSTOMER.ACTIVITY.PARAMETER is modified to
contain records keyed by the application itself for which the
ST.CUSTOMER.ACTIVITY needs to be updated. These application wise
ST.CUSTOMER.ACTIVITY.PARAMETER records are released by Temenos
and can be modified as per requirement.
An existing ‘SYSTEM’ record can be continued to be in use, however, any new
functionality with respect to customer activity will be enhanced only for the
application record layout. Also, new installation does not support the SYSTEM
record anymore. The required conversions are handled as part of the
ST.BUILD.CUS.ACTIVITY service.
Reclassifying the Aggregation Files from ST to RT

The routines and tables related to balance aggregation for CRS/FATCA in ST
module are moved to the new module RT.
The new module RT acts as a child module to the existing CRS (CD, CE) and
FATCA (FA, FE) modules. RT will be automatically installed for the clients
having any of these modules (CD, CE, FA, FE).
42
NOTE: Local routines using the componentised code should be modified

accordingly.
APR Calculation for Commitment Arrangements

The Contract Type field in EB.CASHFLOW is updated as COMMITMENT for
arrangements that are not disbursed, based on the APR type mentioned in the
Reporting property class.
43
Temenos Infinity
Temenos Infinity
TEMENOS INFINITY
Digital Banking
Infinity is an omnichannel Digital Banking Application Suite which enables
banks and financial institutions to deliver seamless customer experience.
Infinity Retail Banking

Infinity Retail Banking is used to manage retail banking features such as
accounts, transfer money, find ATMs and branches, deposit checks, and more
from any channel. Users can now add external accounts, update profile pic,
update Terms and Conditions for additional modules (admin only), download
report etc.
Infinity SME Banking

Infinity SME Banking is used to meet the needs of business owners of small and
medium business establishments with a set of features that allow for efficient
management of business finances across any device. It includes features
concept, permission-driven access to features, flexible dashboard, defining
transaction limits, approval limits etc.
Infinity Onboarding
Infinity Onboarding enables banks and credit union members to open deposit
accounts quickly with a seamless process across multiple channels. This
includes responsive web, account opening, save and resume, extensive
verification framework, enhanced review process, integration and configuration.
Infinity Spotlight (Customer 360)

Infinity Spotlight (Customer 360) is used to set up and maintain customer and
employee-related information, and to configure the behavior of the digital
45
Temenos Infinity
banking applications associated with this information. This includes rebranding

of Customer 360 to new identity, redesign of the concept of services, introduction
of the features and actions, concept, approval matrix etc.
46
Temenos Infinity
Microservices
Introduced microservice layer into the Infinity Architecture with a range of
microservices that cater to specific user journeys, these microservices have the
capability to hold and execute certain business rules and persist the data within
the Infinity layer to serve the customer even when core or the third-party backend
system is down.
Marketing Catalogue Microservice

Product Marketing Catalogue Microservices provide an independent cloud-
enabled solution to manage Marketing information of the Temenos Transact
products.
Entitlement Microservice
Entitlement is a read only micro service for providing the account details for the
entitled user.
Account Aggregation
The Account Aggregation microservice is used to integrate with the financial
service provider to get the account details and transactions and then push them
to the holdings and arrangements microservices, to hold the static details in the
arrangement microservice and balances in the transaction holding microservice.
Arrangement
The Arrangement microservice holds the basic information of arrangements and
caters to Temenos Infinity and other systems that need arrangement information
of a customer.
Marketing Catalogue
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Temenos Infinity
The Marketing Catalogue microservice provides an independent cloud-enabled

solution for managing marketing information of the Temenos Transact products.
Microservices expose management APIs through IRIS for bank users to manage
marketing information for products provided by the bank.
Campaign Microservice
A new microservice named Campaign is introduced, which enables the
marketing users of banks to define and store the details of the campaigns
created through the front office solution developed for the campaign
management, which is called as Real Time Engagement (RTE).
Consent Management
The Consent Management microservice stores the consents received from the
user. These consents can be updated and serviced through service APIs.
Party
Party microservice stores the party details (customer details) and can be can
integrated with Infinity solutions. The microservice allows to create, fetch,
update, and delete the party (customers in Temenos Transact) details such as a
customer static information, groups, relationships, assessment information, and
contact information from the Party microservice database.
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Temenos Infinity
Channels
User Agents » Customer Service User Agent
This enhancement allows users to view all holdings of a customer and provides
integration to key customer service tools like web chat and co-browsing.
Retail Internet Banking » Investing

Internet and Mobile Banking Retail is now released with investing capabilities
for the retail client of the bank. Customers will have access to a list of
functionalities from the Temenos Wealth solution. Internet and Mobile Banking
Retail solution allows you to view and manage the investment portfolios in the
home page.
Retail Internet Banking » Swift GPI

The Swift GPI (Global Payment Initiative) is the latest initiative launched by
SWIFT to improve the customer-bank experience in the world of international
payments. A GPI tab has been added to Transaction List screen to show details
of international payments sent and received.
Retail Internet Banking » Consent Management for Third Party

Providers
The Internet Banking (IB) and Mobile Banking (MB) users now have the option
to view and to manage the consent they have given to a third party providers
through their online banking channel.
PSD2 » PSD2 User Agent

The PSD2 user agent is released to support the PSD2 open banking
requirements around account information, payment initiation and confirmation of
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Temenos Infinity
funds that require authentication. New APIs for authorising payment orders are
added to the existing list.
User Administration » Product Line Online Services »

Authorisation Limit
This functionality allows banks to control the overall value of transactions that a
user can approve in a day through the internet banking channels, set daily limits
for each customer, provide a daily limit for a non-working day and set a limit for
standing orders initiated by a user based on the nature of the payment type.
Mobile Banking Corporate

The Mobile Banking Corporate application allows the customer to view all the
available accounts, view a mini statement with the last 20 transactions on the
account, visualise and authorise pending transfers, payments and bulk
payments.
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Temenos Infinity
Services
Account Aggregation
This functionality allows bank users to operate as Account Information Service
Provider and Payment Initiation Service Provider, for accounts held at other
financial institutions, along with the ability to aggregate all holdings of a
customer.
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Temenos Infinity
Sales
Origination » Joint Application
This enhancement allows the Purpose API for origination to support multiple
applicants.
Origination » Enhancing OA Rule Comparison Value

This functionality allows to mark certain formlets within a form as mandatory,
based on input stated by the user in other formlets. The
OA.RULE.DEFINITION application allows the user or bank to compare two
different attributes or fields in the same formlet as well as to compare different
statuses against different formlets in the domain.
Origination » Conditional Formlets

With the introduction of the Conditional Formlets functionality, the user can
control when a formlet becomes mandatory based on the input stated by the
user in other formlets.
Origination » Conditional Evidence

This solution allows the user to assign an owner for each evidence requirement,
add new evidence requirement at application run-time and make evidence
requirement mandatory based on input stated by the user.
Origination » Conditional Evidence Phase 2

This solution allows users to define configurable verification status, perform
automatic data verification and configure alert generation for evidence.
Origination » Archival of an Application

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Temenos Infinity
System now has the ability to record all the activities that have happened on an
application, in one single place, so that there is a clear audit of all the events.
The AA.ORIGINATION.PARAMETER table allows user to state the time period
from when an application is considered to be inactive and also to state a time
period to move completed applications to Archive status.
Origination » Defaulting Values from Previous Applications

In addition to information capture, origination also allows the user to map the
data within the application to ensure that the customer is not asked for the same
data multiple times.
Origination » Assigning Ownership to Dossiers

This functionality allows users to assign owners for a dossier and its internal
stages, in particular: Each dossier will have a unique contact owner, Dossier
can be assigned to a user depending on certain conditions, Dossier can have
different internal owners, Dossier can be moved from one staff member to
another depending on certain conditions.
Origination » Dossier Search

The Dossier search functionality allows users to perform queries on a dossier,
for example, it allows users to perform a search to retrieve all the dossiers that
belong to a particular party.
Origination » Exception Approval Process and Report

The Exception Approval Process and Report functionality allows the users to
identify and capture the deviation in the policy rules and its approval processing.
Origination » Dossier Search

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Temenos Infinity
This functionality allows users to perform queries on a dossier, for example, it

allows users to perform a search to retrieve all the dossiers that belong to a
particular party.
Origination » Covenants and Conditions

The Covenants and Conditions functionality allows the user to categorise the
evidence requirements, define a compliance check for each evidence type
defined in the evidence requirement and update the status based on the
outcome, collect the evidences periodically and move them to overdue based on
the grace days.
54
Temenos Transact
Temenos Transact
APPLICATION FRAMEWORK
Multi Company » Copy Data Records

Users can now copy data records to the newly created company by running a
service.
System Core » Record Agent ID

Whenever a contact centre agent performs a banking operation on behalf of a
customer, Temenos Transact receives the agent’s ID as part of OFS header from
IRIS and stores it for auditing purposes.
System Core » Load Balancing in PW

The Process Workflow (PW) Participant functionality is enhanced to allow Data
Access Object (DAO) to indicate whether an individual user or the basket of
users are active and the Admin or Supervisor to re-assign the tasks to a specific
user using Re-assign feature.
System Core » Service Automation API

Users can now monitor service status from the poled IF events, which was
emitted by Service framework, and use those job times, report times, agent
status enquiries exposed as IRIS APIs to monitor job and agent status.
Temenos Transact Upgrade » Post Upgrade Reporting

A post upgrade enquiry (POST.UPGRADE.EXCEPTION.LIST) has been added
to Temenos Transact to list the exception details for the data items currently
released during upgrade or Temenos Transact release mechanism and to track
their status after Authorisation service.
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Temenos Transact
Security Management System » Temenos Transact External

SMS with XACML
Users can now configure joins for external authorisation XACML using the
EB.EXT.SMS.EXTENSION table.
System Core » Classification Based Concat for Temenos

Transact Alternate Key
The EB.ALTERNATE.KEY application now allows users to create alternate key
concat files in different companies based on the classification of the parent
application.
System Core » Considering Company Access for Enquiries

A user who is marked as Global User can now fetch data from all the allowed
companies using an enquiry and can operate on the data from the current
company.
System Core » Allowing Multiple User SMS Applications for

NOFILE Enquiries
Users can now define multiple applications for NOFILE enquiry’s SMS
validations. To enable this functionality, the Sms Application and Sms Id fields
in the ENQUIRY application have been enhanced to multi-value fields.
System Core » Priority Records for Services

When the users need to have priority processing for specific keys for any
business requirement, they can now make use of this feature (in the system core
module) to configure the required details, which allows the keys to be flagged as
'priority keys'.
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Temenos Transact
System Core » Service for Specific Predefined IDs

The functionality introduces a new application EB.PREDEFINE.CONTRACTS,
where the users can define the job to run, the business case against which the
job needs to run, and respective contracts (keys) relevant to this job with respect
to the business case.
System Core » International Resource Identifier

All requests in (or sent to) Temenos Transact will now have an International
Resource Identifier (IRI). This IRI will be the unique identifier of the transaction,
during its entire lifecycle.
Security Management System » PAP UI framework for XACML

using Angular
A new Policy Administration Point (PAP) UI framework for XACML is introduced
for external authorisation. Temenos Security Framework provides an access
control-authoring tool called Policy Editor. The policy editor has a simplified
graphical user interface and enables a security administrator to author the
access control policies.
System Core » Exit API for a Job

The Exit Api field is introduced in the PGM.FILE application to process an exit
activity at the end of a job.
enhancement.
System Core » Version Activation

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Temenos Transact
This feature allows posting a message into an activation file or queuing when a
transaction is done through version.
When a transaction is processed through a version, the LINK.ACTIVATION field
is enabled at version level or in VERSION.CONTROL. The activation file or
queue is then updated based on the configuration maintained in the
EB.VERSION.ACTIVATION.LINK application.
System Core » Queue Processing

This feature ensures:
l Processing of records in parallel, when initial set of keys are available

before SELECT stage is completed for the job. This reduces the waiting
time for other agents for large select jobs and thus improves the
processing time.
l No work table (similar to JOB.LIST) in the database is created.
l Scalability with queues is efficient than with database.
enhancement.
System Core » Lock Collision Detection

This feature detects lock collision in a batch and diverts the allocated agents to
any parallel batches that are running in the same stage during COB. This
reduces lock collisions during a job processing.
System Core » COB Staging

‘Business Stage’ for COB has been introduced, which indicates a particular
business nature of the banking system. It is one of the sub stages of the life cycle
of COB under the main stages (ASRDO). This is required to group the set of
batch records that can be executed in parallel at a specific point of Business
Stage.
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Temenos Transact
BANKING FRAMEWORK
System Tables » Aggregate Customers

Users can now define the main customer of the aggregation right from the
Customer Group application. Temenos Transact automatically identifies all
the customers directly or indirectly connected to the main customer and
aggregates them.
Limit » New Limit Exception Report

A breach to validation limit arises when the sum of internal amount of Utilisation
limit is greater than the internal amount of the parent validation limit.
System Tables » Country based Address Fields

Banks can define the address structure for their customers, based on their
country or region. New fields have been added in the to capture and maintain
address and contact related information of the customers.
System Tables » Define Address Fields in Country Model

Banks/Implementation
Temenos Transact system allows the Country Model Bank or implementations
layers to define the rules that describe how the system handles the addresses in
the output.
Loan Loss Provisioning » Standard Provisioning of Limits

In Temenos Transact’s new limit structure, the standard provisioning on

undrawn overdraft limit has now been extended to the limits.
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Temenos Transact
Collateral » Off Balance Sheet Accounting for Collaterals

This functionality allows the automatic booking of Contingent Accounting (Off
Balance Sheet) entries for Collaterals.
System Tables » Increased Length of Sector and Industry Codes

The length of the SECTOR ID field is increased from 4 characters to 10
characters and the length of the Description field in both the SECTOR and
INDUSTRY applications are increased from 35 characters to 70 characters.
Transaction Recycler » Transaction Recycler - Priority and

Conditions
The RC.PRODUCT.PRIORITY application allows users to define priority
records for transaction retry requests coming from the same business application
(TPH, AA, Payment Order, etc.) based on their sub-type (Direct Debits, Vostro,
Swift, etc.), transaction codes or AA Product.
Centralised Reference Data » Centralised IBAN Directory

Centralised Reference Data (RD) module is introduced. This module supports
the upload of the IBAN Structure, IBAN Plus and IBAN Exclusion List, which
have been moved from IBAN (IN) module.
Delivery » SWIFT 2019 MT Standards Release Changes

Temenos Core Banking can handle the Society for Worldwide Interbank
Financial Telecommunication (SWIFT) messages in compliance with the latest
SWIFT Rulebook changes.
Transaction Restriction » Payment Reporting Details -

CRS/FATCA Standing Instructions
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Temenos Transact
This enhancement provides an efficient and flexible framework to extract

payment details, which can then be used by the Common Reporting Standard
(CRS) and Foreign Account Tax Compliance Act (FATCA) modules to
determine the customers who qualify as reportable.
Standing Order » Capture Beneficiary Account Alias in Standing

Orders
This enhancement allows the bank to initiate local payments or standing orders
by specifying an alias of the Beneficiary Account Number.
Accounts » Account Balance Movements

A new API (AC.API.BALANCE.MOVEMENT) is added to Temenos Transact to

retrieve the credit and debit movements of an account, excluding the masked
movements for any specified dates.
Centralised Reference Data » Centralised Payments Reference

Data
A new Centralised Bank Directory (RD.CENTRAL.BANK.DIR) is introduced in
Temenos Core Banking to keep the information related to Bank Identifier Codes
(BICs) and National IDs, as per the reference data from SWIFT Ref Bank
Directory Plus files.
Accounts » TDGL Accounting for Own Book Trades

This enhancement, in Derivates (DX) and Structured Products (SY) modules,
allows accounting entries to carry counterparty information when the system or
applications are set to Trade Dated General Ledger (TDGL) accounting mode.
Centralised Reference Data » SWIFT GPI Directory - Centralised

Payments Reference Data
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Temenos Transact
A new SWIFT gpi Directory (RD.SWIFT.GPI.DIR) has been added to Temenos

Core Banking to keep the complete list of the financial institutions that are
Global Payments Innovation (GPI) participants.
Expected Receipts » MT199 and MT299 - SWIFT GPI

Confirmations Support
This functionality allows Temenos Core Banking to check if the Global
Payments Innovation (GPI) license or module is available in the system and if
the MT199 and MT299 messages were received from the gpi service.
Transaction Recycler » Transaction Recycler - Priority and

Conditions
Transaction Cycler module (Recycler) has been enhanced to allow the system
to execute retry requests posted by the same Business Application in different
priority order, according to their type and status.
System Tables » Capture and Link Customer Contact Details to

Delivery
Temenos Transact now allows banks to opt for an overall setup based on which
the EMAIL and SMS additional delivery addresses can be updated directly in
Delivery Address application or based on the existing phone, sms and email
address captured in Customer application.
Limits » Joint and Multi-Customer Limit – Changes to Customer

Group Logic
Temenos Transact Limit module now allows the banks to configure rules for joint
and multi-customer limit based on the customer segments like Private
Individuals, Corporate and Sole Traders.
LI.MULTI.CUSTOMER.LIMIT.PARAMETER table has been added to
Temenos Transact.
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Temenos Transact
General Ledger » Repayment of Loan Connected to SCL

Banks can now control whether a limit amount should include or exclude the
repayment components in a scheduled repayment.
Limits » Single Level Facility – Link to Limit Parameter

LIMIT.PARAMETER table has been enhanced to allow the creation of record
IDs other than SYSTEM. These records can have a valid legacy application like
Account, Forex and Money Market as their ID.
Limits » Link to Limit – Support for Neutral Limits

LIMIT.REFERENCE application has been enhanced to include Neutral option
in the Reduce Limit field. If the Neutral option is selected, Limit records of the
given Limit Product inherits the revolving or non-revolving nature from the
contract or account they are linked to.
Limits » Limit Reference ID Change

Users can now create an alphanumeric Id for the LIMIT.REFERENCE record,
when creating a new limit product. They can continue to create numeric keys, if
they want to.
Limits » Fees and Commissions Assigned to Limit

Users can now set up a designated AA account in the LIMIT table, for the
calculation of fees and charges at the AA account level.
System Tables » Customer Group Graphical View

The Customer Group Graphical View can be accessed from the existing
Customer Group Hierarchy enquiry. It provides a comprehensive picture of the
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Temenos Transact
customer group hierarchy together with the approved limit amounts granted to
each customer of the group, split per time band.
Cash Management » Account - Level Balance Sharing in

AC.CASH.POOL Sweeps
A new account-level balance sharing option is introduced in the single level
maintenance Corporate Cash Pools. Using the new option, the system allows a
real-time sharing of the balance of the main master of the Cash Pool with the
underlying sweeping accounts.
Collateral » Collateral Accounts for Corporate Collaterals

The Collateral Account functionality allows the bank user or customer, to group
collaterals belonging to the same customer or provider, for maintenance and
management purposes.
Collateral » Restructured Collateral and Collateral Right ID

The collateral system has been enhanced to group the huge volumes of
collateral for securing big corporate loans. The collateral item can now be
created in parallel or before linking the Collateral Right to the Risk Exposure.
System Tables » Support Gross or Net of Tax Charges

Banks can now define if the charge is Gross or Net of Tax, using the new Tax
Base Indicator field in the Charge Type (FT.CHARGE.TYPE) application. This
feature supports banks in meeting tax regulatory requirements in various
countries.
System Tables » Beneficiary Account Identifier

65
Temenos Transact
Users can now capture the type of the beneficiary account identifier in
Beneficiary and Standing Order modules, using the Beneficiary Account
Proprietary Scheme Name field.
General Ledger » Balance Load Process – Suppress Funds

Diversion Processing
Temenos Transact provides flexible options which allow the banks to control the
ability to suppress the funds diversion process for specific transactions.
Accounts » Credit Reservation

The Credit Reservation functionality aims to reserve the incoming credits
through OFS clearing, when the system is in offline mode.
Delivery » Support for gSRP

The gSRP service allows banks to identify the gpi license and module in the
system, process an inward MT192 (Request for cancellation) using the gpi
tracker and process an outward MT196 or MT199 as a response to the MT192.
Delivery » Temenos Transact Sending Temporary Output to an

Address
Temenos Transact is enhanced to send temporary customer output to a specific
address, either permanently or from a start date to an end date.

enhancement.
Delivery » RMA Checks for MTn9n Messages

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Temenos Transact
Temenos Transact now supports RMA checks for outward MTn9n messages
processed by the EB.QUERIES.ANSWERS (MTn92, MTn95 and MTn96) and
EB.FREE.MESSAGES applications (MTn99), if authentication is required for
these messages.
Collateral » Corporate Collateral Pool – Structure, Allocation and

Haircuts
This functionality allows corporates to pool huge number of collaterals to cover
the risk exposures at one place.
Generic Accounting Interface » Reserve and Post Function for

Clearing System Manager
The Reserve and Post functionality is introduced to send response messages as
soon as the transaction is validated and funds are reserved, with the booking
being done in near-real time by a background service,
OFS.MESSAGE.SERVICE.
IFRS Provisioning and Impairment » Standard Provisioning on

Discounted Trade Bills
The Discounted Trade Bills captured in the Bills (BL) module in Temenos
Transactcan be configured for Standard Provisioning under the Provisioning
module (PV).
Account Sweeping » Retail Sweep Execution Based on

Transaction Type
This functionality allows the system to perform retail maintenance sweep
transactions based on the transaction type (customer or bank initiated).
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Temenos Transact
enhancement.
Generic Accounting Interface » Quick Reservation

The Quick Reservation functionality improves the response time for processing
and updating the funds reservation table (AC.LOCKED.EVENTS) by reducing
the path lengths in processing the Clearing System Manager (CSM) requests.
Generic Accounting Interface » GAI Response with Original

Sequence Number
This functionality allows the user to identify the response message with the
corresponding request string in the CSM, CSMBULK and CLEARING multi-
entry messages. System is enhanced to append the original sequence number
to the record that is created in AC.INWARD.ENTRY, while processing the
request, to correlate the response to the request.
New Modules for Delivery Address and Contact Preferences

Delivery address and preferences that were part of DE module have now been
moved to new modules PY (Party) and PF (Contact preferences).

Transaction Recycler » Multiple Pay-in Accounts and Unblocking

of Funds
This functionality allows the users to define multiple pay-in accounts (at the
arrangement level) for recovering the unpaid bills, when the recycler
functionality is enabled. This option is available for the AA Product Lines
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Temenos Transact
(Lending, Deposits and Account) within the settlement property processing of

the pay-in side.

Limits » Customer Liability Change in Customer Group

The CUSTOMER.GROUP application has been enhanced to support all the
functionalities that are supported by the Customer Liability Structure. This
functionality allows users to define a Customer Liability Structure using the
functionality in the CUSTOMER.GROUP application. A new Customer Group
Purpose record called ‘Liability’ has been introduced in the
CUST.GROUP.PURPOSE table.

Delivery » Financial Messaging

The delivery system can now be used by third-party systems, such as external
banks and clients, to handle the inward and outward financial messages. This
framework supports third-party API requests through the financial messaging
system. These API requests can be in the form of MT or MX messages (inward
messages) or can result in the generation of MX or MT messages (outward
messages).
General Ledger » Banking Framework Exit Point

The user can change the content for the entry events if the Integration
Framework Designer is licensed. At run time, system triggers the entry events in
near real time as part of an accounting service and the HVT (High Volume
Transaction) service, which is parameter driven. The enriched entry events are
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saved in F.DATA.EVENTS and queued into the Data Event Streaming platform
under the CAMT Entry.
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CORPORATE
Cash Pooling » Backdated Sweeping
Backdated sweeping now allows the system to post sweep transactions based
on value date. The system allows the user to setup sweep transactions between
accounts to run multiple times every day based on value dated balance.

Cash Pooling » Account Top-up

Account upload order functionality allows users to set target balances for
maintenance sweeps. The user can define the target balance in
AC.CASH.POOL application. When the account balance falls below the target
amount, the account is funded (by debiting the Master account) to maintain the
target balance. This allows top-up of sweeping account for a specific limit.
Facility » Facility Product

Facility product allows the bank to book multiple drawings in different currencies
under a Facility, as embedded in the Credit Agreement. The key lending
features are: Ability to create different types of Facilities, secondary borrowers
support, multiple arrangements or loans under single Facility, etc.

Facility » Sub-Arrangement Condition

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This feature allows user to define the terms and conditions for the drawing
products that can be created under a Facility product. Banks can now offer a
drawing product catalog that is specific to a credit agreement (Facility), that is,
generic pre-configured drawing product(s) can be setup using the product
builder.

Facility » Covenants and Conditions

This feature is an integral part of a Credit Agreement and it represents the
mandate that a borrower must comply during the life of the Agreement. It
provides the lender with recourse in case of misrepresentation by the borrower.
Covenants and Conditions must be in the form of ‘must comply’ and/or ‘must not
engage in’ mandates.

Facility » Pricing Grid

This feature provides an option to construct the price on Deal or Facility. The
loan drawdown is subject to ‘layers’ of agreed risk factors that influence the
Pricing. It supports the bank (lender) with additional leverage to cover new or
enhanced risks that arise during the course of the life of the loan by adjusting
price in line with the risk.

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ISLAMIC BANKING
Islamic Financing » Classifying Fields in IS.CONTRACT (Front
and Back Office)
IS.CONTRACT now allows the users to enter values in the fields, based on front
and back office user roles. This allows front office users to capture minimal
information required to capture the finance request of the customer. Back office
user can update the additional details such as broker details, purchase quantity
and purchase amount to complete the commodity purchase.
Islamic Financing » Unit Price for Commodity and Broker

Combination
It is now possible to define the unit price of the commodity at parameter level
(IS.COMMODITY) for each buy or sell broker combination. When initiating the
commodity purchase using IS.CONTRACT, the unit price is defaulted based
upon the buy or sell broker setup in IS.COMMODITY.
Islamic Financing » Dealer Rebate

This functionality allows to capture and apply the rebate (as percentage or
amount) provided by dealer. Rebate amount is calculated using the purchase
price. The bank can pass the rebate amount to the customer account (full or
partial) or take the rebate amount (partial or full) to P&L.
Islamic Financing » Automatic Collection of Down payment

IS.CONTRACT application is enhanced to collect down payment automatically
based upon the workflow status change. Option available to split and collect the
Down payment amount from multiple customer accounts.
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Islamic Financing » Return Commodity to Broker

IS.CONTRACT application is enhanced to sell the commodity to sell broker and
credit the proceeds to customer account based on the workflow status change.
Bank can return the commodity to the same buy broker (based on prevailing unit
price) or a different sell broker (based on given unit price). Option available to
mark commodity is in possession of the Customer.
Islamic Financing » Broker Fee Payment with Tax

IS.BROKER application now allows the banks to define the broker fees with or
without tax at broker level. Broker fee amount collected during commodity
purchase can be shared between bank and broker based on the percentage
defined in Br Fee Share Perc.

enhancement.
Islamic Financing » Tracking of Commodity limit and Commodity -

Broker Limits
IS.COMMODITY application now allows the banks to define daily maximum
allowed limit at commodity and commodity-broker level for commodity purchase
transactions. Commodity exposure is updated on a real-time basis for
commodity transactions and the system ensures defined limits are not breached.
The system has the flexibility to update the limits anytime during the day.
enhancement.
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PRIVATE WEALTH
Securities » Demerger - Percentage Based Cost Split
During demerger, customers of the banks can perform a percentage-based cost
split between the existing and the new securities. Using this feature, customer of
the banks can define what percentage of their existing security should be moved
to the new security.
Securities » Minimize Diary Re-run

Temenos Transact is enhanced to update the existing entitlements, without

dropping and rebuilding the entitlements.
Securities » User Notification - Reason for Change of Ownership

Whenever there is a change in ownership during a transfer transaction, the
reason for change gets recorded. Now a new enhancement is made where, if
the reason is not recorded, the user is notified about the unavailability of reason
for change in ownership.
Securities » Maintain Customer Portfolio Value

Securities module in Temenos Transact is now enhanced to maintain the
portfolio value of the customers during corporate actions, where the price of the
event security changes.
Securities » Transfer Agency Accounts

Temenos Transact can now maintain the beneficiary and account details of the
transfer agents based on Fund Currency, Fund and Group of Funds.
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Securities » Off Market Buyback Support

The securities module in Temenos Transact is now enhanced to support the
processing of Off Market Buyback Corporate action event, where the customers
can tender the shares at various discount percentages.
Securities » Renounceable and Non-renounceable Rights

Rights issue corporate action in Securities module has been enhanced to
support multiple exercise of Rights before the cut-off date, applying a cap on
over subscription quantity and credit of Retail Premium for lapsed Rights.
Securities » Subscription-Based Events

The Securities Corporate Action module is enhanced to support subscription-
based events like Share Purchase Plan, where the clients can subscribe or
purchase a security based on the subscription amount.
Corporate Actions » Sale and Notice of Retention and Top Up

Event
The Securities Corporate Action module in Temenos Transact has been
enhanced to support events for handling unmarketable parcel sale and top up
(purchase of additional shares) facility, based on market value of the holdings.
Corporate Actions » Customer Initiated Conversion and Option

Exercise
The Securities Corporate Action module has been enhanced to support the
customer initiated conversion and option exercise. Using this, customers can
initiate the conversion and option exercise anytime during the period announced
in the offer document.
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Corporate Actions » Priority Offers and Rights Issue

Enhancements
This enhancement addresses the additional gaps in identifying the qualifying
holding in case of events like priority offer, and in handling bonus options for
rights issue.
Corporate Actions » Monitor Non-Receipt of CA Notification

(MT564)
This enhancement enables the system to monitor and generate a report to
identify the custodians from whom Corporate Action (CA) notification (MT564) is
not received for an event. This helps the banks to follow-up or create diary
records manually.
Corporate Actions » Diary Creation from Incoming MT566

System has been enhanced to automatically create a DIARY (only for
mandatory events and omnibus holdings) if an MT566 is received but a DIARY
record does not exist in the system. This ensures that customers are credited or
debited with securities or cash as soon as they are received, even when the
corporate action event has not been created.
Corporate Actions » Bulk Authorisation of Entitlements and Diary

Re-run
Entitlements for a corporate action event can now be authorised in bulk.
Unauthorised entitlements can be refreshed periodically to update the
applicable tax and charges.
Securities » Handling Linked Events

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The Corporate Actions module now has the ability to link two corporate action
events in which the linked event depends on the outcome of primary event.
Repo » Stock Borrow or Lending Fees

Temenos Transact is enhanced to automatically create the opposite trade, with
the same details of the original trade except for additional customer and charge
details.
Securities » Internal Asset Transfer – Update Positions after

Receiving Settlement Instructions
Temenos Transact is now enhanced to update the positions only after the
settlement instructions are received from the custodian. Temenos Transact can
recognize the transferred positions between the portfolios on settlement date.
Securities » Cash Account Status – Order Grouping and

Placement
Temenos Transact is now enhanced to ensure that there is sufficient cash for
each individual order when the wholesale order is placed with the Fund house.
Securities » Grouping Orders by Transaction Code and Managing

Cut-off Date Based on Fund’s Domicile
This functionality allows the user to define separate grouping schedule based
on the transaction code. It also ensures that orders are transmitted to the fund
house on a day when its operations desk is working.
Securities » Commission and Tax on Position Transfer

Temenos Transact is now enhanced to handle commission and tax as part of

internal asset transfer when there is a change in ownership.
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Corporate Actions » Multiple Settlements in a Takeover Event

Temenos Transact is now enhanced to handle takeover events with multiple
settlements. A separate settlement record is created for each election made in
order to settle the stock debit and cash credit.
Securities » Preserving Portfolio Value (Direct Method)

The Securities (SC) module in Temenos Transact is enhanced to handle upfront
payment without creating dummy securities. New transaction codes are
introduced for orders that require upfront payment.
Corporate Actions » Distributing Excess Cash or Nominal from

CA to Entitlements
The system is now enhanced to allow cash CAs to be rounded down, in addition
to the standard rounding logic. To round down the values, the user must set the
Cash Rounding Methd field to Dn in the DIARY.TYPE application. Also, the
system can now be parameterised to distribute excess nominal or cash received
from the depository amongst the entitlements based on certain priority.
Securities » Tax Lots

The Tax Lots (TL) module supports enhanced CG processing. TL handles:
Additional disposal methods such as (highest cost, lowest cost, etc.,), allocation
methods to be specified at portfolio level, selection of specific parcels to be
disposed at transaction level, extended CG processing on Corporate Actions
and several other features not supported in the basic CG model.
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REGIONAL BANKING SOLUTIONS
Argentina Model Bank

Alias Interface to COELSA
An alias is an alternative identification of an account, which is initially assigned
by COELSA (Compensadora Electrónica S.A.), when an account is opened. An
alias is used on certain channel payments using the internet or mobile.
Capture CNAE Code - Customer Onboarding

National Classification of Economic Activities (CNAE) functionality is now
available in Argentina Model Bank. Users can now enter the CNAE code while
onboarding individual and corporate customers, as per Argentine regulation.
Enhanced Customer Search

New fields are added to the Find Customer enquiry, using which users can
find their customers easily.
Update CBU Code to COELSA

It is now possible to send Clave Bancaria Uniforme (CBU) code to COELSA.
The CBU code is generated for a saving and current accounts whenever the
account is opened, modified or closed.
Spanish Name and Address Fields Validation

Users can now capture the First Surname, Second Surname, Province and
Postal Code details of Argentina residents in CUSTOMER application. The
Second Surname, Province and Postal Code fields are optional.
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Storing Padron Tax Data

Banks can now store the Padron tax details (about millions of data records) in
microservices database from different websites or Padron sources, using the
Padron microservice.
Stamp, VAT and Bank Transaction Tax

Temenos Transact core tax framework is now enhanced to cover Stamp, VAT
and Transaction taxes of Argentina.
enhancement.
Immediate Debit - DEBIN

Immediate Debit (DEBIN) allows to transfer funds between customers with an
immediate transfer. New enquiries are built to display the various workflow of
DEBIN transaction and also new menus are built to launch these enquiries. This
functionality allows the user to view the various stages of the transactions in
DEBIN payments process.
Turnover Tax
Core tax framework in Temenos Transact has been enhanced to support
Turnover Tax. Banks can now configure and calculate Turnover tax, as required
by Argentinian regulation.
Updating the CBU code in COELSA

In Argentina, banking accounts are identified by a unique code, which is also

stored in the COELSA database. This unique identification code is called a CBU
code (Clave Bancaria Uniforme in Spanish, Unique Bank Identification Code in
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English). The CBU code has to be sent to COELSA online when the account is
opened, modified or closed.
DD Mandate Through COELSA

It is now possible to send or receive the direct debit mandate requests through
COELSA. The direct debit mandate requests for registration, amendment and
cancellation can be sent from one bank to another bank through COELSA.
Payroll Accounts
This enhancement allows the automatic switching of a payroll credit transactions
of customer to a savings account and similarly, a savings account to a payroll.
Microservices » Padron Processes and Rules

This enhancement involves the implementation and management of information
received from padrones of regulatory institutions in Argentina, the amendment of
customer data from padrones, and the input of manual exemptions.
Tax Returns
The Argentinian regulation includes refund of taxes to the customers. The
turnover tax as part of its padrons has a return padron.
Calculation of Argentinian Rates

A new Annual Percentage Rate (APR) type is set up on savings account and
term deposits products in order to trigger an existing program in Temenos
Transact to get the Tasa Efectiva Anual (TEA) rate.
Tax Returns
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The Argentinian regulation includes refund of taxes to the customers. The

turnover tax as part of its padrons has a return padron.
Reconciliation of Payments
Reconciliation of Payments functionality provides the ability to view the total
number and total amount of transactions received and sent for a specific clearing
transaction type (CT/DD), status (999/997), processing date, originating channel
(COELSAACH) and clearing nature code.
Calculation of Argentinian Rates

A new Annual Percentage Rate (APR) type is set up on savings accounts, term
deposits and loan products to trigger an existing program in Temenos Transact
to get the Tasa Efectiva Anual (TEA) rate. Once TEA is calculated, the program
will also calculate the Tasa Efectiva Mensual (TEM) and both values will be part
of the arrangement overview.
Provisioning
The Provisioning functionality uploads the CENDUE and MOROS files into the
system and based on the classification of the customer in the CENDUE and
MOROS files, the corresponding customers in the bank will be re-classified.
DEBIN Pre-authorisation and Chargeback

The DEBIN Pre-authorization and Chargeback functionality allows any bank
account to be registered as a collecting account that can be used by a bank for
settlement with clearing.
The Reconciliation of Payments functionality allows users to view the total

number and total amount of transactions received and sent for a specific clearing
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transaction type (CT/DD), status (999/997), processing date, originating channel

(COELSAACH) and clearing nature code.
Currency validation on Beneficiary Alias CBU

This functionality allows the user to validate the CBU (Single Banking Code),
CUIT (Unique Tax Identification Code) and currency of the beneficiary with data
coming from COELSA (Spanish Electronic Clearing House) while making a
payment.
Maturity Date on Holidays for Fixed Term Deposits

When opening a fixed deposit, if the maturity date falls on a holiday, the system
will move the maturity date or renewal date to the next working day and show an
override message detailing this change. Additionally, if a new holiday is marked
and the maturity date of a term deposit falls on that date, the system will move
the maturity date or renewal date to the next working date and send a notification
to the customer, informing the customer about this change.
The ARPYMT.TRANSACTION.INSTANT.REPORT enquiry gives out the
difference between system and COELSA for the total net position and th
ARPYMT.TRANSACTION.INSTANT.REPORT enquiry gives out the difference
between system and COESA for the individual transaction.
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Australia Model Bank

Lender’s Mortgage Insurance
Temenos Transact can now capture the details of Insurance Policy that is taken
for the stock, property or goods against which a Mortgage Loan is availed by the
Customer.
Rate Lock Agreement

Temenos Transact now supports Rate Lock functionality. Rate lock is an
agreement between customer and bank that allows the customer to lock in the
interest rate over a specific period. This protects the customer from being
exposed to the risk of interest fluctuations.
Interest Change Rate Notice

This functionality is used to freeze the repayment amount to the old amount (for
a specific period) when a bank initiates a rate increase.
Legal Entity Structure

This functionality allows maintenance of Legal Entity Structure of funds in
Australia, which includes Superannuation Funds, Separately Managed
Accounts, etc.
Goods and Service Tax

The functionality allows the bank to charge only the Irrecoverable component of
GST to customer and pay full GST to broker. The recoverable component for the
portfolio varies based on the RITC percentage in the legal entity structure the
portfolio belongs to.
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Withholding Taxes Drop 1

The new functionality allows supporting the Income and Withholding taxes
requirement of Australia.
Income Withholding Taxes Drop 1

The new functionality allows supporting the Income and Withholding taxes
requirement of Australia.
Income Withholding Taxes Drop 2

The new functionality supports the Income and withholding taxes requirement of
Australia and it is addressed to the year end tax component and the subsequent
cost base adjustment details update.
Address Interface
This functionality provides an easier and accurate address maintenance for
Australian addresses.
Withholding Tax and TFN Number

The ASX Equities module supports income and withholding taxes functionality
for Australia Stock Exchange (ASX) equities, which can be held under an
Omnibus or Holder Identification Number (HIN) structure.
Loan Redraw
This enhancement provides the flexibility to withdraw money from the advance
position without impacting the repayment schedule of the contract, together with
the ability to limit the maximum withdraws per day. It also allows the user to view
the overall withdraw information for a customer.
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Capital Gains Tax API

This functionality enables the bank to view API reports created in xls format for
realised and unrealised gains or loss. It also allows the bank user to view daily
changes in tax lots.
Capital Gains Tax API

This functionality enables the bank to view API reports created in xls format for
realised and unrealised gains or loss. It also allows the bank user to view daily
changes in tax lots. When multiple transactions take place during a day for the
same portfolio and security, it is now possible to define the sequence in which
the transactions will be considered for capital gain calculation purposes.
Compensation Payments
The compensation payment corporate action benefits the customers holding
shares of a company that was involved in a litigation case. When a
compensation payment corporate action takes place in Temenos Transact, it
can be either regular payment (for example the same component distribution for
all portfolios) or irregular payment (for example different component distribution
for portfolios).
Legal Entity Fund Structure

This module covers the structure and hierarchy of legal entity platforms of
Australia such as super, investor directed portfolio service, separately managed
accounts, which are at the portfolio level.
Product Information
A new parameter application, AUOBPI.PARAMETER has been introduced to

define conditions that apply to all products. In this application, users can map the
Temenos Transact product values to the equivalent Open Banking values.
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Apply Withholding Tax Rates Based on the Dual Tax Treaty (DTT)
Rates
This functionality allows the bank to apply withholding tax rates based on the
DTT records setup in the system if the portfolio is a non-resident one. It also
allows users to handle irregular compensation payments by uploading
withholding tax components to each entitlement.
Income API – Diary and Tax Component

The Income API – Diary and Tax Component functionality allows the extraction
of various API fields related to the diary events level and the year-end tax profile
level. The extracted data can later be consumed by down-stream applications
for various purposes.
BPAY (Bill Payments)

The organisations or businesses participating in BPAY are assigned a unique
biller code. When the customer receives the bill with the BPAY logo, the unique
customer reference number along with the biller code is included in the bill. The
customer can make the payment with the information supplied in the bill.
Role Based Home Pages

The Role Based Home Pages functionality allows the bank users, Call Centre or
Customer Service Agents, to access the data and functionality they require,
investigate and correct payments in exception and other day to day functions.
This functionality allows the bank to comply with the Australian Banking Code of
Practice, which requires the banks to be able to assist customers.
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Brazil Model Bank

Customer Compliance
For customer legal id validation, Temenos Transact allows the user to configure
the CMBASE.GEN.PARAM application to store the Legal Ids required. This
application can identify the customer type (individual and corporate) using the
customer Sector and define if the Legal Id is required in the customer on-
boarding process.
Deposit Certificate
Information on the registration of Bank Deposit Certificate arrangements in

Temenos Transact is shared with CETIP (Central de Custódia e Liquidação
Financeira de Títulos) and CETIP sends the CEITP code information, which is
updated in Temenos Transact.
Account Registration
Regulations in Brazil established that specific conditions are applied to current
and savings accounts. These conditions include the collection of taxes like IOF
(Imposto sobre Operações Financeiras). The market in Brazil offers specific
account products aligned with the regulatory requirements of that country. This
functionality provides Brazilian account products as available samples in
Temenos Transact.
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Canada Model Bank

General Ledger (GL) Rollup
The rollup functionality moves the balances from all GL branches to the GL head
office, so that institutions can reconcile the report or balances with the third party
interface vendor.
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Central Bank Model Bank

Vault Management System Solution
The new vault management system solution is used by central banks to perform
currency inventory management. This functionality provides the ability to place
the currency in different bags, mark these bags against an entity and keep them
in the vault.
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CEMAC and UEMOA Model Bank

Customer and Account Infrastructure
This functionality provides dedicated screens for creation of individual and
corporate customers, which enables the bank users to capture the required
information for the purpose of regulatory reporting.
Trade Declaration
The Trade Declaration functionality allows users to locate the valid existing
declaration using the declaration number, reference of the mandatory document,
the client's account, the client's customer id or the period of the trade declaration.
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Finland Model Bank

Opening Account on the Last Day of Capitalisation
The functionality allows users to include the interest of the account while
capitalising for the current period, even if the account is opened on the last day
of the capitalisation.
Withholding Tax
This functionality covers the calculation of the withholding tax, on interest
payable to a customer for early redemption of a term deposit. The interest
amount arrives at by netting the early redemption fee from the calculated
interest, and applying tax on the balance interest amount.
Customer Processing
Once the customer record is created with SSN/Business ID in Temenos
Transact, the user can now search those customer records with the respective
SSN/Business ID.
Account Related Processing

This functionality enables the user to define an account as single, shared or
ownership, or shared and ownership. Any static data change to the account or
debit transaction done at the branch level will require the user to capture the
customer id of the person who initiated the transaction.
Customer Processing
The Customer Processing functionality allows the creation and maintenance of

the customer data and also covers the actions needed to be taken in the system
when a customer is deceased.
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Payments Posting and Validations

This functionality provides the ability to reflect the description of the purpose
code in the posting lines or narration as per the description recorded in
Temenos Transact and to reflect the purpose code itself in the posting lines or
narration if there is no description available for purpose code in Temenos
Transact.
Account Related Processing (ASP) Accounts

This functionality allows users to create a new AA account product ASP account
with all the attributes and conditions defined as per the detailed functional
requirement, close an ASP account, monitor the aggregated quarterly deposits
into the ASP account and transfer the ASP account to another bank.
Customer Processing
This functionality allows the user to simplify and ease the customer on-boarding
process by automatically defaulting the municipal code and subsidy code based
on the input value in the Postal Code field from the NORCUS.POSTAL.CODE
application.
Subsidy Loans
This functionality allows the user to:
l Calculate the charged interest percent for normal loans based on various
conditions like the interest calculation methodology, cap percent, and floor
percent.
l Calculate the charged interest percent and interest subsidy percent for the
subsidy loans based on various conditions like interest calculation
methodology and subsidy amount granted by authorities.
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Student Loan
This functionality covers the student loans which are governed by rules of the
Finnish authority KELA.
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France Model Bank

RIB and IBAN Generation
Temenos Transact now supports the generation of RIB (Relevé d'Identité
Bancaire) for customer accounts.
Home Savings Accounts (CEL) and Plan Epargne Logement

(PEL)
The Central Bank of France has regulated a special category of home savings
account in the form of PEL. This plan gives the benefit of saving money for
building or purchasing a home. The CEL is a savings product, which can be
used to obtain a home loan at a preferential rate. Interest is exempt from income
tax but subject to social security contributions (other taxes).
Annual Percentage Rate (APR) Calculation and Treasury Rates

Processing per French Regulation
Taux Effectif Global (TEG) or Taux Actuariel Effectif Global (TAEG) is a global
effective annual rate, including interests and some fees and/or charges.
Temenos Transact now supports TEG or TAEG calculation and handles all
scenarios of APR Calculation schedules like monthly, quarterly, half-yearly and
yearly.
Relationship Manager Change

Customers can now be seamlessly reassigned to another relationship manager,
when an account officer is resigning or getting transferred to another branch, etc.
Account Statement in CFONB Format

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Customers can now subscribe for electronic statements confirming to AFB120

standards, customise statement generation frequency.
APR Calculation and Treasury Rates Processing per French

Regulation
The actual cost of funds for the customer which is inclusive of both interest
expenditure and charge expenditure will be known for the customer. The actual
cost of funds (also in business terminology known as APR) can be calculated
using the Annual Percentage Rate (APR) through Taux Effectif Global and APR
through Taux Actuariel Effectif Global.
APR Calculation and Treasury Rates Processing per French

Regulation
The actual cost of funds for the customer, which is inclusive of both interest
expenditure and charge expenditure, will be known for the customer. The actual
cost of funds (also known as APR) can be calculated using the APR through
TEG and APR through TAEG.
Alyssa - Centralisation of Payment Incident

With the ALYSSA - Centralisation of Payments Incidents functionality, users can
configure the nature of a declaration, to capture additional information required
by a bank, format and generate the Alyssa - Centralisation of Payment Incident
files.
Alyssa - Centralisation of Payment Incident

This functionality has been enhanced to allow users to configure the nature of
declaration for individual customers and corporate customers, to configure the
type of notification and to generate the declarations that need to be sent to the
Central Bank.
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Germany Model Bank

Balance Confirmation
The Balance Confirmation functionality allows the extraction of data for a
customer from multiple applications like account, deposits, lending, Forex,
Swap, Miscellaneous Deals.
Banking Act (KWG) §15 - Institution Loans

The Banking Act 15 functionality allows the generation of reports for KWG15
Institution Loans based on German Regulatory Requirements. The institution
loan report will list out the loans & overdraft facilities that have been provided to
certain specific customers who are categorised by a specific classification in the
CUSTOMER application.
Banking Act KWG 24C Account Reporting

The account centric extract is shared with the external third party system in the
following scenarios:
l Account creation.
l Account modification.
l Account closure.
l Customer modification.
GDPDU Surrender of Data

This module enables the client to select and dump tax relevant data from the
system for covering the third option: Surrender of data.
AWV Notice in Account Statement

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Customers can now identify the transaction that is meant to be reported to the
central bank based on short narration for the respective transaction in the
account statement.
GDPDU Surrender of Data

This functionality enables the clients to select and dump tax relevant data from
the system for covering the Surrender of data.
Regulatory Reporting Interface to BSM/BAISjava

This functionality provides the ability to extract the information from the Temenos
Transact, like GSTSLF - Account Balances, GSWBIF - Value Adjustments,
WHGIFF - Currency Master Data and BILIFF - General Ledger Accounts, and
upload it into the Banking Authority and Information System system for the
purpose of German Statutory Reporting.
Sectras Tax Interface

Sectras manages the tax requirements relating to the German withholding tax.
Based on the inputs received, Sectras calculates the tax based on various
factors and components. Taxation is achieved by interfacing Temenos Transact
with the Sectras Tax Engine. Hence, the banks need not maintain any data or
rules related to tax calculation.

This feature extracts the information from Temenos Transact and uploads it into
the Banking Authority and Information System (BAIS) system for German
Statutory Reporting. For using the functionality the customer needs to acquire a
BAISjava license from BSM GmbH.
Sectras Tax Interface

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Tax calculation will be managed by Sectras (a third-party system) and banks

won't need to maintain any data or rules related to tax calculation.
Banking Act 18
This module enables the customer to monitor the credit exposure of both retail
and corporate customers and the corresponding customer group. The credit
exposure can be used to perform the reporting threshold check as mentioned in
the §18 Banking Act.

This feature extracts the information from Temenos Transact and uploads it into
the Banking Authority and Information System (BAIS) system for German
Statutory Reporting.
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Temenos Transact
Global Model Bank

Reduced Input Tax Credits (RITC)
Banks can now pass on the benefit of recoverable tax on Good and Services
Tax to the investors immediately. As part of this enhancement, country-specific
routines are developed to pass on the benefits to the client at the time of trade
itself.
Output GST Sweep (Transaction Level)

Users can now configure the debulk parameter to Yes (in the GST parameter
table) to carry out the Goods and Services Tax (GST) sweep on a per-
transaction basis instead of bulk sweep, based on the combination of foreign
currency and tax category. The output sweep can be carried out through the
Payment Order or Fund Transfer applications. A new enquiry is added to check
the failed transactions.
Data Extraction for GTMatch

Temenos Transact extracts nostro cash movements, security holdings position,
security master extract file and places them in the configured path after which
the bank can export the file to GTMatch reconciliation system to conduct different
type of reconciliation.
Account Dormancy
The account dormancy functionality allows Temenos Transact to handle and
track the dormant accounts from the date of transferring the funds to a
government agency, till its claim with the National Treasury Management
Agency settlement and closure.
Teller
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This functionality allows the users to validate specific information including the
availability of legal ID, the purpose of the deposit and other personal information
like name, address, etc. of the depositor and capture third party details for cash
transactions.
Value Added Tax

Value Added Tax (VAT) functionality allows the user to calculate the output VAT
on liable income sources.
Bloomberg Realtime Interface

This functionality allows the client to receive a copy of their executed trade
details via Financial Information
eXchange (FIX). Once the trade is done, a FIX message is sent to the client
system. This allows the client to capture the trade done electronically without
having to manually enter the necessary information into their trading system -
Temenos Transact.
SWIFT Alliance
The SWIFT Alliance interface is used to communicate between financial
institutions for their transactions. It also acts as an interface in Temenos
Transact and other external interfaces to exchange secured information. The
SWIFT Alliance interface is used to process both the incoming and outgoing
SWIFT messages in Temenos Transact.
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Temenos Transact
Hungary Model Bank

EBKM Calculation
This feature allows banks to calculate the Unified Deposit Interest Rate (EBKM)
at the time of arrangement creation and rollover or renewal of deposits.
GIRO Infrastructure
The GIRO Infrastructure module forms a GIRO header for both the outgoing
instant payment message from Temenos Payments and incoming payment
message requests received from GIRO clearing to Temenos Payments,
manages and stores the various settlement reports from GIRO to assist the bank
user with reconciliation.
Transaction Fees
The Transaction Fees functionality allows the user to provide mandatory free
ATM transactions to customers based on the statement, provide free cash
withdrawal on the bank’s account and manage the ATM package discounts
provided by the bank.
Queuing of Payments
The Queuing of Payments functionality ensures that the collectible amount shall
not be utilised by the customer for any other purpose than the prioritised
collections already existing in the queue.
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Ireland Model Bank

Pre-Notification of Interest and Fees
Temenos Transact can now send Pre-Notification to customers when the
Interest or Fee amount to be paid by the customer exceeds the threshold value
configured in the Product Condition application.
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Israel Model Bank

List of Banks and Branches - Masav Table
Banks can now upload the list of banks and branches in the system, as
published by the Bank of Israel. This list is used for the validation of banks and
branches in various transactions related to clearing.
Account Number Validation

Bank users can now validate the bank code and branch code during outward
DD mandate creation. The external bank account number entered can be
validated during Beneficiary ID creation.
Deposits Loans Linkage Interest

Banks clan now calculate the principal and interest correction on the scheduled
due date, based on the published Consumer Price Index (CPI) index or Foreign
Currency (FCY) exchange.
Banks and Branches

The Account Number Validation functionality allows the validation of the bank
and branch code during creation of outward direct debit mandate and
beneficiary ID. The structure of the external account number entered during
outward DD mandate creation is validated as per the formula and rules given by
the Masav clearing house.
Banks and Branches

Banks will now be able to upload the list of banks and branches in Israel. This
list is published by the Bank of Israel and used for validating banks and
branches during various transactions related to the clearing.
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Italy Model Bank

Customer Account and Transactional Data for Regulatory
Reporting
This functionality covers an instance where the bank interacts with the service
provider to report to the bank of Italy on the details of the creation of new
customer accounts, customer amendments, closure of accounts and
transactional details on a daily basis.
Customer Account and Transactional Data for Regulatory

Reporting
The Customer Account and Transactional Data for Regulatory Reporting
functionality is used to extract the details of all the accounts opened for a
quarter, the details of the accounts opened through channel for a year, and the
details of a particular type of charges for a quarter.
Transfer of Balance
The Transfer of Balance functionality helps the bank to extract the details of the
balance in the accounts. The extract file is placed in the path as defined by the
bank. From the path, the extract can be picked up by the service provider and
sent to the Central Bank.
IBAN Calculation
The IBAN Control Internal Number (CIN) calculation functionality calculates and
generates the IBAN number, including the 5th position (CIN) in the IBAN.
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Lebanon Model Bank

Populate Account Numbers
Based on the details provided by the users, Temenos Transact displays the
available account numbers for the account. Users can select an account number
from this list to create an account.
Deal Negotiation Parameters - Forex Transactions

The LBACTR.PARAMETER application allows the users to define If a negotiable
deal is allowed below the ceiling amount mentioned in the currency application
using the Allow Neg Ceiling field.
Certified Cheques
Users can now perform additional validations of certification of cheque and Pay
certified cheque through TELLER application.
Risk File Generation

This feature allows extraction of the outward risk file and processing of two
incoming files, Avis and dictionary file, from Central des risqué (CDR) at the
Banque Du Liban (BDL).
Chequebook Issuances
Banks can now issue unique cheque numbers for the accounts of a customer,
that is, the cheque number assigned to one account of a customer will not be
assigned to another account of the same customer.
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Luxembourg Model Bank

MultiLine Payments
Banks can now generate payment status report in the form of ISANOTE.
Tax Reimbursement
This functionality allows the banks to reimburse the tax collected from a
customer, provided the total interest paid during a financial year is less than or
equal to 250 EUR and the instances of interest pay out per arrangement is not
more than one.
Process Card Files from SIX

Temenos Transact can now process financial and non-financial files received
from SIX, a third-party payment service provider in Luxembourg.
Process Different File Formats

This functionality enables the processing of incoming payment files in certain
native formats.
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Mexico Model Bank

Customer Compliance Legal ID
Each legal document has the length, pattern and algorithm code validation.
They can now be mandatory by the individual customer sector and need of
customer information such as name, gender and city or date of birth to build the
codes.
Accounts
The accounts functionality allows for the automatic generation of the Account
CLABE ID (Standardised Banking Cipher), manages product level restrictions
on the total allowed monthly credits up to the pre-defined limit in Investment Unit
of funds (UDIS). It also allows the calculation of the Nominal and Real GAT
(Total Annual Earnings) taking into account the inflation rate and shows it on
customer-facing enquiries and statements.
Clearings - Additional Functionality

Temenos Transact allows the users to enter new details on beneficiaries that the
system will use to perform validations.
Lending Compliance
The Lending Compliance functionality allows the calculation of the real interest
rate (Costo Anual Total (CAT)), taking into account the inflation, and displays it
on customer statements. The functionality also includes the calculation of the
Value Added Tax (VAT) adjusted for inflation expressed in the Investment Unit
(UDI) rate for the interest generated by loans or overdrafts in current accounts.
Account
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The accounts functionality allows for the automatic generation of the Account
CLABE Id (Standardized Banking Cipher), manages product level restrictions on
the total allowed monthly credits up to the pre-defined limit in Investment Unit of
Funds (UDIS).
Lending Compliance
The Lending Compliance functionality allows the calculation of the real interest
rate (Costo Anual Total (CAT)) by taking into account the inflation, and displays
it on customer statements.
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Saudi Arabia Model Bank

Early Closure Charges
When a loan is closed early, before maturity, the bank will perceive early closure
charges, which will be equal to three instalments of the future profit instalments.
So, whenever a loan is pre-closed, the sum of three future profit instalments will
be calculated as the Early closure Charge.
Hijri Date Conversion

The Hijri Date Conversion functionality allows users to convert the Gregorian
date of the repayment schedule to Hijri date and display it in the enquiry.
Hijri Date Conversion SIMAH Interface

The functionality furnishes information related to customers, retails accounts,
corporate loans that includes active, close and delinquent. Financial institutions
shall have flexibility on the data to be reported due to which certain products
may be excluded from credit bureau reporting.
Hijri Date Conversion

The new functionality displays the repayment schedule of an LD contract in both
Gregorian date format and its equivalent Hijri date format.
SIMAH Interface
This functionality furnishes information related to customers, retail accounts,
corporate loans that includes active, closed and delinquent.
Watheeq Services
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The Watheeq Edge system supports the integration of financial institutions with
various statutory organisations of Saudi Arabia. Watheeq Edge has control over
the fulfillment of Saudi Arabian Monetary Authority (SAMA) requests. It parses
each SAMA request into various parts and calls different integration operation to
construct the SAMA response.
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Temenos Transact
Singapore Model Bank

Mutual Fund and Central Provident Fund Regulatory Change
CPF.PARAMETER is now enhanced to define depository setup by Payment
Method. As part of this, six Depo Codes are set up for CPF-OA Cash Depo,
CPF-SA Cash Depo, SRS Cash Depo, CPF-OA Reinvest Depo, CPF-SA
Reinvest Depo and SRS Reinvest Depo for Mutual Fund orders.
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Spain Model Bank

Managing Traspasos Requests
Temenos Transact now allows users to view and accept transfer requests. User
can also reject a transfer request after selecting a reason for the rejection from
the Bank Rejection Reason field.
Create Independent Minor Accounts

This functionality allows the customers to submit the Legal Emancipation
Document along with the Documento Nacional de Identidad (DNI) document,
thus allowing the minors (blow 18 years of age) to be onboarded without a legal
guardian in the Relationship Code field.
Capture Depositor Information

Banks can now capture the customer ID of a customer who performs a credit or
debit transaction on another customer’s account. New enquiry is added to view
the transactions performed by a third party customer.
TGSS Domiciled Payments

Temenos Transact can process a Direct Debit file received from General
Treasury of Social Security (TGSS) and in turn generate an Un-paid file
containing the payment returns and rejects.
Funds Processing
This functionality (Spanish Traspaso) allows users to switch funds (from one
bank to another or within the same bank) without attracting any withholding tax
and maintains previous tax lot history for switched funds, which will be used
when the fund is finally redeemed.
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SEPA Iberpay Instant Payments - Net Settlements

The enhancement is to post automated settlement entries for Iberpay Instant
Payments. Both inward and outward payments processed in the respective time
frame via ASI4 (Net settlement) scheme are settled in the corresponding
settlement time. The netting entry will be automatically posted during the
settlement time.
Non Standard Message

Banks can send messages to the clearing house about the planned outage and
receive messages from the clearing house about the outage of other
participants.
TGSS Domiciled Payments

Temenos Transact can process a Direct Debit file received from a creditor and in
turn can generate a consolidated Un-paid file containing the payment returns
and rejects.
Legal Document Expiry

It is now possible to accept the Legal document as a proof for Know Your
Customer, even if the legal document is expiring on the day of the creation of
customer relationship with the Bank.
Ownership Validation and Daily Broker Account

System will now restrict the transfer between portfolios by checking the
beneficial owners of source and target portfolios. If the beneficial owners are
same, then transaction will be successful, else it will stop creating the
transaction.
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TGSS Benefits Payout

Temenos Transact is enhanced to process TGSS (Tesorería General de La
Seguridad Social) benefits payments.
EMBARGO
Creditors (institution that wants to place a lock on the customer account) can
now place a lock or block (EMBARGO) automatically on the debtor’s account
maintained in their banks, for the amount which the debtor owes them. This
ensures that the funds are available for the required payments to the creditors.
Informa Interface
This functionality allows the user to send the newly opened corporate
customer’s information to Informa database. Then receive further details sent by
Informa database and store them for further reporting to ANACREDIT.
Reports for Closed Dormant Accounts

Auto Closed Dormant Arrangements enquiry is added to Temenos Transact.
This enquiry can be used to generate a report that lists all the dormant accounts
closed in the previous fiscal year, for which no claim was made. Users can now
pay the claimed amount both in LCY (Local Currency) and FCY (Foreign
Currency) depending on the currency of the account, either by cash or as a fund
transfer to another account.
Account Verification
The account verification functionality in Temenos Transact is enhanced to
process the incoming verification requests on an account. Banks participating in
the Iberpay clearing of Spain can now receive verification messages from other
participating banks.
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Withholding Tax
Withholding tax is applicable on capital gain and income events. The tax can be
configured based on customer’s tax group. The tax is withheld from the amount
the customer earns, based on the type of income and financial instrument on
which it is earned.
Report Generation for Dormancy Accounts

Banks can now generate reports for the dormant accounts that are closed and
not claimed. If the customer approaches the bank after the auto closure of the
dormant account within a period given by the bank, banks can process the
claim.
Funds Catalogue
When files are received from All Funds House (Fund House in Spain), the
system updates the security instruments based on the information received in
the files. The files contain fund level information and is uploaded at the end of
day.
All Funds Interface – Order Settlement

The All Funds Bank (AFB) sends the settlement details of the funds transaction
in a file to the distributors. These incoming files are now processed by Temenos
Transact and the required details are updated in the corresponding transactions.
Automation in Miscellaneous Payments

The Miscellaneous payment SNCE_08 is a payment mechanism used in the
Spain for processing the payment/collections. These are the payments
instructions that did not meet the standard clearing cut-off time.
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SNCE04 Claims
It is now possible to send or receive claims for cheques that are all cleared
through SNCE04. The claims are sent or received as SNCE04 messages.
AFB File Interface for the Rebalancing Process

This functionality provides the facility to allow massive order delivery from
Temenos Transact to Allfunds Bank (AFB) for the TAP rebalancing process, so
that it is possible to create a single file with all the orders generated and send
them to AFB in an agreed time frame to avoid performance issues both in the
Wealth Suite and in the AFB system.
SNCE Directory and Commission

The functionality allow users to upload the directory of participants received from
Iberpay for various National Electronic Clearing System (SNCE) clearing and to
validate the participation of the counterparty institutions for various SNCE
transactions.
Non Standard Message

The Effective Interest Rate (EIR) is calculated at the initial recognition of a
financial asset or a financial liability. Financial assets or liabilities at amortized
cost are reported using the EIR method.
Allfunds Bank (AFB) Customer Onboarding

This functionality allows the bank to handle client and contract details
registration with AFB through API whenever a customer deals with fund
transactions like Subscription, Transfer In and Traspaso In.
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Temenos Transact
Sri Lanka Model Bank

Customer Infrastructure
A new version of the CMBASE.GEN.PARAM application is created for users to
configure the legal document type required for customer creation:
CMBASE.GEN.PARAM, LKBASE.INPUT.
Withholding Tax
This functionality allows the user to calculate the withholding tax (WHT) based
on a single or joint account, age of customer and type of the account or deposit.
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Sweden Model Bank

Withholding Tax
The Withholding Tax in Sweden is subjected to a threshold amount, meaning,
only the interest amount that equals or exceeds the threshold amount is
subjected to the Withholding Tax. The threshold limit for interest applies for both
customers in case of joint accounts based on the split of the interest amount per
customer.
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Switzerland Model Bank

Swiss Stamp Duty for ITAU
Any transfer of ownership of taxable securities other than by way of a gift, which
involves a Swiss securities dealer acting on its own account or as an
intermediary is subject to Swiss Stamp Tax (SST).
SIX Reporting
All the Securities/OTC product trades needs to be reported if the ISIN
(International Securities Identification Number) is available in the received SIX
Reporting file, as of today's date, excluding the international bonds (not listed in
trading venue). The SIX Reporting functionality allows the user to generate the
SIX Report.
Annual Tax Statement

The yearly tax statements for the Swiss customers are prepared in accordance
with the Swiss tax rules.
FinfraG Reporting
In Temenos Transact, when OTC contracts like Derivatives, Forex, Swaps, Non-
Deliverable forwards are entered, the fields that needs to be reported are
updated in a template online and the corresponding valuation details are
updated in another template to report to the Trade Repository.
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United Kingdom Model Bank

Match BACS Direct Credit Returns
Banks can now identify and match the original BACS direct credit payment with
the return. New table is created to store the details of the original payments,
which are used to match their returns.
ISA-JISA Enhancements
Users can open both flexible and non-flexible ISA accounts and can subscribe
to ISA-JISA allowance.
Flexible ISA
The existing Individual Savings Account (ISA) functionality is enhanced with a
new feature called Flexibility. A flexible ISA account provides a customer with
an additional allowance called flexible allowance. The Flexibility feature is now
introduced in the Deposits and Accounts modules.
Additional Permitted Subscriptions - ISA

In Temenos Transact, Additional Permitted Subscriptions (APS) is now
available as part of the Individual Savings Account (ISA) product family.
Flexible ISA
The existing Individual Savings Account (ISA) functionality is enhanced with a
new feature called Flexibility. A flexible ISA account provides a customer with
an additional allowance called flexible allowance. The Flexibility feature is now
introduced in the Deposits and Accounts modules.
Direct Debit Mandate Processing

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This functionality allows paying banks and service users to create, modify and
delete mandates. During an inward mandate processing, the paying banks can
now validate the service user against the Direct Debit Originators (DDO)
directory.
enhancement.
ISA/JISA Active Control

Customers can subscribe to ISA and JISA accounts with an ISA manager during
a specific tax year and such activities are allowed as long as the underlying ISA
declaration submitted by the customer allows such transactions.
Flexible ISA
Customers can open flexible and non-flexible ISA accounts. Customer has an
option to subscribe either to flexible ISA or to a non-flexible ISA in a tax year.
Flexible allowance available to customers in addition to annual ISA allowance.
Open Banking Account Information

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 OBIE (Open Banking
Implementation Entity) standards as defined in PSD2 (Revised Payment Service
Directive).
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United States Model Bank

Standalone Debit Request
Temenos Transact can now capture Standalone Debit Request and submit the
request to an outgoing ACH file.
1099-C Cancellation of Debt

Temenos Transact can generate the necessary information to automatically
update the 1099-C form that is sent to the customer and to the Internal Revenue
Service (IRS) when a cancellation of a debt for more than $600 has been
executed in the system.
Fees for ACH Activities

Banks can now count and charge the number of incoming ACH Files, Batches,
Entries and identify same-day files, add a Corporate Charge account field at the
Originator Level and provide the ability to charge for a returned Payment.
Direct Debit Loan Payment collection

This enhancement ensures delivery of a direct debit loan collection payment
request. With this bank’s customers can use a checking or savings account at
another bank to pay a Temenos Transact bank’s loan via ACH. Similarly, the
receiving bank can return the debit to the checking or savings account, or can
opt to retry payment for certain ACH return codes.
Recurring Payments Support

Temenos Transact now supports Recurring Payments through Standing Orders

(SO).
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Risk Management - Account Holds and Prefunds

In Temenos Transact, ACH Corporate Information, ACH Upload Warehouse,
ACH Capture and Update Warehouse Service, ACH Warehouse and
Transaction Posting Service have been updated.
Covenant Management
The Covenant Due Date, Covenant Status Values, Covenant Non-Compliant,
Covenant Reporting, Covenant Manual Process, Covenant Status Review
Frequency, Multiple Covenants Tracking, Covenant Types and Covenant
Insurance Company Rating in the Covenant Management feature have been
enhanced.
GL for Charge-off under Threshold

The USERTL.PARAMETER parameter is now enhanced to accommodate an
additional field to store the account class reference used for charge-off.
Risk Management – Exposure Limit

Establishing exposure limits for originators is the core of controlling ACH credit
risk. Assigning originators set exposure limits, which help reduce the possibility
of potential loss. Originators can only process files within limits assigned in the
system.
Waive Dormancy Charge by State

Certain states have specific rules on charging dormancy fees. In order to comply
with the state rules, a new option is introduced to waive the dormancy charge
based on the state of residence.
SWIFT Countdown Period

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As per National Automated Clearinghouse Association (NACHA) guidelines,

Originating Depository Financial Institutions (ODFIs) can now monitor the return
rates for each of their originators.
Risk Management - Return Rate Monitor

ACH Dashboard Usability

The Automatic Clearing House (ACH) dashboard in Temenos Transact is
updated to distinguish between the items and reports received from clearing
house and corporate.
Return Rate Monitor

Statement Charges
The statement charges assessed on the service charge cycle date now appear
on the statement that has the same cycle date as the service charge.
Regulation GG – Unlawful Internet Banking

To establish UIGEA (Unlawful Internet Gambling Enforcement Act of 2006)
validation, the Reg GG Certification and Certification Datefields are added to
CUSTOMER application.
Regulation V
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Temenos Transact is now enhanced to comply with Regulation V, set forth by

the Federal Reserve designed to implement the Fair Credit Reporting Act
(FCRA).
ACH Beneficiary Information Capture

Beneficiary Account Details screen has been added to capture beneficiary
information.
Bank Secrecy Act – CTR Reporting

Temenos Transact is now enhanced to comply with the latest regulatory
requirements set forth by Financial Crimes Enforcement Network (FinCEN).
ACH Interface for External Channels

Users can now create beneficiary and perform ACH and FEDWIRE payments
through PAYMENT.ORDER and STANDING.ORDER applications.
Payment Input Screens for Fedwire Payments

Banks can now create an outward Fedwire payment using the
PAYMENT.ORDER application in Temenos Transact.
Return Processing for ACH and Generic Exceptions

This enhancement provides the ability to view and make decisions on
Automated Clearing House (ACH) and generic exceptions from a single queue.
The user can return paid items, pay unposted items, select return reasons for
items to be returned and generate the appropriate General Ledger entries from
this queue.
Model Configuration and RBHP Design

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This enhancement covers the Model configuration and Role Based Home
Pages (RBHP) design for Beneficial Ownership, FATCA and IRS State
Reporting, B-Notices and Regulation P functionalities.
Configure Same Day ACH Dollar Limit

NACHA increased the daily transaction limit for same day transaction from
$25,000 to $100,000. To accommodate this Temenos Transactnow allows
banks to define the same day limit for entries originating in Temenos Transact.
Tax Update for 2019

The Year End Tax Reporting module is enhanced to support the Internal
Revenue Service (IRS) changes for tax forms reporting in the US.
US Escrow Integration within Existing Escrow Framework

This functionality incorporates the US Escrow within the existing framework that
is used with the Tax Payment Adjustment (TPA). US Escrow processing
involves the following stages: Initial Analysis (optional), Test Analysis, Annual
Analysis, Short Year Analysis and Payoff.
Fedwire Financial and Non-Financial Message Processing

Temenos Transact is now enhanced to initiate and process real-time payments
with Fedwire. Temenos Transact now has an interface to translate payments
and requests initiated from Temenos Transact into Fedwire acceptable format
and to parse requests from Fedwire into Temenos Transact acceptable format.
Early Direct Deposit

The Automated Clearing House Framework (ACHFRM) feature is enhanced to

support Early Direct Deposits. This allows ACH credits like salary payments to
be credited to the customer account at an earlier date than the payment date.
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Tracking Non-Compliant Covenants

In Covenant Management, the primary method of tracking non-compliant
covenants is now changed from “number of days the covenant is non-compliant”
to “number of times a covenant is non-compliant”. This enables the bank to track
compliance on both short-term (days in non-compliance) and long-term (times in
non-complaint status) basis.
Non-Combined State Tax

Banks can now generate 1099 (1099-DIV, 1099-INT, 1099-MISC and 1099-R)
tax forms, for the states that are not participating in the CF/SF program, as per
the state’s layout requirements and specifications.
Tax Update for 2018

To comply with Internal Revenue Service (IRS) tax reporting standards, the Year
End functionality has been updated to capture additional data required and to
extract the additional static data as required by the IRS.
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RETAIL
Arrangement Architecture » Auto-select Best Pricing Options
When a customer is eligible for a number of benefits, Temenos Transact
automatically eliminates the less beneficial benefits and populates the ones that
are best for the customer.
AA Agency Commissions » User Defined Context Types for

Amortization
Temenos Transact can accept a user defined context type as amortization

period for commission processing.
Arrangement Architecture » Calculation of APR

Interest based Annual Percentage Rate (APR) calculation can be used across
all product lines like lending, deposits and accounts. APR can be calculated for
one or more interest properties in a loan product. Multiple APR instances can be
defined in the AA.APR.TYPE table.
Arrangement Architecture » Calculation of Rates for Financial

Products
Banded Interest based Annual Percentage Rate (APR) calculation can be used
across all financial product lines like lending, deposits and accounts.
Arrangement Architecture » Automatic Closure of Dormant

Accounts
It is now possible to automatically transfer balances from the Dormant Accounts

and Deposits to an internal account and close the arrangements.
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Arrangement Architecture » Backdated Settlement Processing

In Temenos Transact, backdated settlement processing can now be triggered
from any financial product line such as Lending, Deposits and Accounts.
Retail Accounts » Default Settlement Account for Capitalisation

For Retail Accounts (AR) product line, users can now define default settlement
account for capitalisation process.
Retail Accounts » Transaction Cycler for Settlement Accounts

When a user has configured the Pay (capitalisation of Interest) to be transferred

to a Settlement Account and the Settlement Account has a Posting Restriction
(Post no Credits) on it, the Transaction Cycler (RC) is triggered to retry the
process.
Arrangement Architecture » Payment Order – Balance Update

The accounting flow has been revised for all product lines that can generate a
Payment Order. As per the new flow, generating a payment order is only
considered as a request for payment and the relevant balances are updated only
when the payment has been confirmed.
System Core » Mass change – Business Operation Inclusions

Mass Changes allows to effect a user driven change in a number of data records
based on a user defined Selection criteria. In addition to current activities, we
have included write off and payment schedule activities.
Teller » Duplicate Check for Teller Transactions

Banks can now enable the Duplicate Check functionality for Teller transactions
that require duplicate checking, through a flexible user-defined framework.
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Retail Lending » Overdue Processing for Overdraft Accounts in

Collections Module
Collections module in Temenos Transact has been enhanced to process
Overdrawn AA accounts.
Arrangement Architecture » Negative Interest Rate – Floor

Margin
Financial Institutions can now process negative effective interest rate using an
additional option ‘Floor Margin’ (updated in Tier Negative Rate field within
INTEREST Property). This is applicable for all Product Lines such as Deposits,
Lending and Accounts.
Arrangement Architecture » Defer Closure Functionality for Non-

Interest Bearing Loans
Banks can now perform regular transactions on the loan account beyond
maturity until agreed defer period.
Arrangement Architecture » Overdrawn Commitment for Loans

Banks can now setup loans that has multiple disbursements with capped
amounts (interest, charge or periodic charge) that are maintained outside the
total commitment amount.
Retail Lending » Adjust Balance for Upfront Profit Arrangement

For Upfront Profit Arrangement, when customers indicate that they are unable to
repay a loan, the user can adjust the balance and recalculate the upfront profit
using the new LENDING-RESTRUCTURE-BALANCE.MAINTENANCE activity
class
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Arrangement Architecture » Hide Property Option

Users can now hide specific property and its attributes for a given activity at
arrangement level, using the Hide Activity and Hide Property attributes in
Activity Presentation Property Class.
Arrangement Architecture » Maturity Date Based On Instalment

Start Date
It is now possible to calculate the maturity date of the loan based on the
instalment start date and number of instalments. This can be achieved by setting
the new attribute Maturity Date Type to the option Payment End Date in Term
Amount Property Class.
Retail Lending » Instalment Amount Calculation for Multiple

Disbursements
Users now have the option to select if the calculation of loan repayment
instalments should include future disbursements for loans that have multiple
disbursements, using the new attribute Include Future Disbursements in
Payment Schedule Property Class.
Retail Accounts » Limit Balance Based on Time Code

Banks can now maintain limit balances (which includes limit approved, its
utilization, remaining and excess) based on time code, say up-to one year and
above one year, to ascertain short term and long term limit exposure.
Retail Lending » Down Payment Functionality for Loans

Banks can now collect principal payment (as down payment) along with
disbursement. Payment calculation can be configured based on a transaction
amount and its associated fee.
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Pricing in AA » Pricing Benefits for Unrelated Customers

This feature allows banks to let these unrelated customers avail the pricing
benefits using the Non-Relation CRA Method option in AA.CRA.PARAMETER.
Arrangement Architecture » Storage of Arrangement Information

This feature allows the bank to store the customer’s arrangement information as
required while defining a role in the AA.CUSTOMER.ROLE table using the
Maintain Info attribute.

Retail Lending » Arrangement Level Charge-off

It is now possible to perform a full charge-off of the arrangement in a single
activity and the system controls the charge-off of loans with negative rates,
dormant arrangements and further partial charge-off activity.
AA Product Bundling » Viewing Linkages to Bundle Arrangement

The bundle details will be updated after running AA.PROCESS.ACTIVITY
service or after COB.
enhancement.
Arrangement Architecture » Viewing APR for New Arrangement

Annual Percentage Rate is calculated during creation of and simulation of new
arrangements.
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Arrangement Architecture » Month-End Repayment Schedules

To provide flexibility while scheduling the month-end repayment dates in order
not to change the repayment schedule post February , it is now possible to cycle
the repayment dates by configuring the Base Date Key attribute. It controls if the
payment date has to be cycled based on the previous payment date or based on
the initial base date.
AA Product Bundling » Interest Calculation On Notional Pool

Notional pooling is now enabled in bundle, which allows: Offset based interest
calculation for account products based on the combined balances of the
participants in the pool and Definition of memo type interest property on real
account.
Arrangement Architecture » Generating Separate Entries For

Charge Offsetting
To ensure transparency to its customers, banks can now generate separate
accounting entries while offsetting charge or tax against interest or account,
upon early repayment. To enable this feature, the Offset Accounting field should
be set to Itemize.
enhancement.
Retail Lending » Loan Restructuring

It is now possible to apply restructuring of debt in a separate, Technical Loan
(TL) that is, memo type of loan, whilst keeping the initially agreed conditions
(between the bank and customer) unchanged in the Original Loan (OL)
arrangement.
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TECHNOLOGY
Data Framework
Local Timestamp to UTC Timestamp
Relational Replication product now records timestamps based on the UTC time
instead of the local time, which are then converted into decimal datatype using
view scripts.
EJB Process
Relational Replication (RR) product gets a new Enterprise Java Beans (EJB)
process to validate and revalidate each completed or failed jobs.
Treasury ETL Changes

A new reporting model for position management is added for Treasury.
List Aggregation Support

In DFR, Temenos Transact View scripts are defined for Enquiry purpose. In the
existing system, view templates are defined only on the fields that are used in
Temenos TransactEnquiry and the Mapper utility generates the Temenos
Transact View definition scripts based on the template given.
Data Framework Reporting Model - Common Reporting

Standards
Data Framework Reporting Model is introduced in Temenos Transact. Enquiries

and reports generated from the Data Framework read only database are faster to
load, and hence are time saving for reporting purposes.
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RR Temenos Transact NuoDB Support

To support the requirement of Cloud Agnostic Databases, Relational
Replication (RR) applications now works with Temenos Transact Database
configured in NuoDB and target database remains in Relational Database
Management System (RDBMS).
RR Daily Snapshot
Daily Snapshot feature is introduced in Temenos Transact for taking daily
snapshot of RR tables.
SOLR Changes – Searchable Database

DataFramework product ‘Searchable Database’ is used to enhance the search
functionality of Temenos Transact. It provides the capability to search the data of
Temenos Transact in UXP browser and the search database gets updated in
near real time through ETL process.
DB Link Removal in RR
DB links in Relational Replication (RR) database are replaced with VOC
records.
RR Data Profiling
RR.OVERRIDE.PARAMETER application is added to Temenos Transact to
define the override field length and data types for an application required for
Relational Replication (RR).
RR Temenos Transact NuoDB Support

Relational Replication (RR) now supports cloud customers, as it works with
Temenos Transact and RR NuoDB.
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Enabling T Type Applications in RR

Relational Replication (RR) database now supports T type applications. This
enables T type applications to replicate tables and data in RR database without
any data issue.
DES and RR Parallel Processing

Relational Replication (RR) and Data Event Streaming (DES) can now co-exist
and run in parallel. RR purges the Data and XSD events only after the events
are consumed by DES.
Customer Data Protection Compliance for Operational Data

Store
In Relational Replication, it is now possible to capture the Customer Data
Protection (CDP) details in RR XSD schema. The RR.PRODUCE.SCHEMA
routine has been updated to include the CDP information in RR XSD schema by
reading the information from the CZ.CDP.DATA.DEFINITION application.
Default Behaviour for Temenos Transact Enquiries

A global parameter has been introduced to configure the INCLUDE.DL feature.
This feature provides a filter criteria for DLM enquiries.
DB2 Database Support in Data Lifecycle Management

Data Lifecycle Management (DLM) has been enhanced to support the DB2
database with all the existing features available in the MSSQL and ORACLE
databases.
Security Integration » Security Integration Policy from XACML to

Ranger
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This feature converts the XACML policy created in Temenos Transact to Ranger
policy to authorise users in Temenos Data Lake, which provides centralized
access control across Temenos products.
EDP Compliance for DLM

This feature provides a user interface to configure IS in Data Lifecycle
Management (DLM).
Relational Replication » CDP Erasure Process for SDS

This functionality allows the users to erase the data from Snapshot Data Store
(SDS).
DLM – Data Movement from NVDB RO to NVDB ARC

This feature gives a productised solution for the data movement from NVDB RO
to NVDB ARC database. Users can also archive the data from NVDB RO to
NVDB ARC tables and delete the data from NVDB based on the retention
period configured in the corresponding application.
Snapshot Data Store (SDS)

The key features of Snapshot Data Store are: Provides a second set of relational
data to allow for time-based batch extractions over the event stream,
Configurable retention window to allow for Full and Delta extraction, and
analytics reprocessing, Can be used with Data Engineering to provide end of
day extractions for central bank or other reporting requirements and Inherits key
capabilities of Operational Data Store.
Operational Data Store (ODS)

The purpose of the ODS functionality is to capture the LIVE records in Temenos
Transact and replicate into target data store (ODS) as parent and child tables.
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This provides a relational copy of enabled Temenos Transact tables maintained

in near real time and Inherits key capabilities of relational replication.
Metadata Management
Metadata Management is a fundamental component for any data solution,
especially for financial services and banking. Temenos provides an enterprise-
class metadata management repository and solution, which supports the
metadata use cases for Core Banking solutions, Data Lake solutions, and
Regulatory and Compliance requirements. The Analytics Data Store (ADS)
provides a relational view of the source system tables that includes near real
time and snapshot versions of the data.
Semantic Query Layer

Semantic Query Layer facilitates the access of Temenos Transact data from
different data store in Data Lake solution, which separates the read from
Transact system. The semantic layer framework exposes the GraphQL end point
to accept the GraphQL input query and process it to access the data from
Operational Data Store (ODS).
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Design Framework
Data Packager
Data Packager provides advanced data packaging capability for Temenos
Transact avoiding any manual deployments and simplifying the packaging
experience for the users.
The following are the key features in Data packager:
l Advanced deployment sequence control with pre and post package

deployment phases along with control at application or record level
sequencing.
l Field level updates instead of full record.
l AA Product Packaging.
l Process Workflow (PW) packaging.
l Customizable definition of packaging structures (used by AA and PW).
l Eclipse IDE experience with menus to import, refresh or deploy records
and with auto-deploy feature.
l Synchronization tool between package content and Temenos Transact to
boost productivity.
l Advanced package validations (for instance to avoid having same record
in different packages.
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Integration Framework
Inflow » Inflow Multi-Tenant Changes
Temenos Transact now supports multi-tenant system where there is a single
application layer connecting to different data sources.
Inflow » Inflow Packager

Inflow Designer now allows to create packages of inflow designs that can be
deployed in any target system that does not have the Inflow Designer.
Inflow » Security Implementation for Inflow

The inflow message from Temenos Transact Custom Adapter for IBM Integration
Bus (IIB) to application server can use Secure Socket Layer (SSL). This
functionality allows the inflow message to be sent to application server securely
using SSL.
IF Designer » CEG Generation using ED

This functionality allows users to define Conditional Event Generation (CEG)
using Event Designer (ED).
Inflow » Inflow Designer Project based on IN.INFLOW.CATALOG

records
Users can now create a new Inflow Designer Project based on the inflow
records in Temenos Transact. Once created, these projects can also be
modified and republished.
IF Designer » Generate Business Events for Specific Companies

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In Temenos Transact, users can now define flows and specify the company for
which the flow needs to trigger an event. If the company is not specified, the
events are triggered for all the companies for that flow.
IF Designer » Trigger Signal Event

Integration Framework in Temenos Transact can now be used to trigger generic
events to signal external systems.
IF Designer » Complex Joins - API

Users can now define the API to return more than one ID, separated by value
markers, when resolving complex joins.
Inflow » Handling Bulk Request in Inflow

Users can now process all the inflow requests in an inflow container as a single
transaction. The success or failure of the transaction depends on the success or
failure of all the Inflow requests in that particular transaction.
IF Runtime » Adding L3 API Response to an IF Event

This feature allows the Integration Framework (IF) event to hold the result of API
calls along with the value of Temenos Transact data record.
IF Runtime » Improving the Initial Load Service

This functionality allows the users to perform initial load based on a period and
to perform initial load for specific records from various applications. To enable
this functionality, DATE.FIELD and EXTENDED.ID.LIST fields have been
added to the Initial Load application.
Data Event Streaming » Initial Load Processing

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In Data Event Streaming, it is now possible to request a historical load known as

an Initial Load to run from the source system, when a table is enabled for commit
capture. The initial load process generates one data event for each record in the
source table.
Data Event Streaming » Metadata Management

In Data Event Streaming, the config-installer has been enhanced to send
schema related information to the separate stream topic.
Inflow » Conditional Branching in Inflow

Inflow supports switch construct of Process Workflow. This allows Inflow to be
defined for activities that need to be executed based on conditions. For example,
a request may carry an instruction to create a customer who reside in US. In this
case, the system creates the customer and checks the customer residence. If the
condition matches, then the FATCA details are updated.
Inflow » Sequence Repair in Inflow

Sequence Repair in Inflow allows staging of the arriving inflow requests and
execute them based on the information that is available in Temenos Transact.
The inflow requests are arranged and executed synchronously with respect to
the sequence order.
Inflow » Enrichments in Inflow

This functionality enhances the Inflow Designer to display the mappings of data
from one application to another to identify the PW level mappings.
Inflow » Removing Inflows from Temenos Transact

Inflows published during Inflow to Temenos Transact can be deleted using

Inflow Designer or by using command line. This feature allows the user to
remove the unwanted inflows from Temenos Transact.
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Inflow » Imbricated Inflow

Imbricated (overlapping) Inflows are based on Process Workflow (PW). This
type of Inflow supports sub-flows of PW to be used in Inflow. Inflow supports
process definition up to 3 levels of nesting. This option allows reusing an
existing PW.
IBM Integration Bus » Migrating IIB Adapter from IBM 10.0.0.11

to IBM ACE 11.0.0.5
The IBM App Connect Enterprise toolkit allows you to develop integration
solutions and deploy them to the dedicated runtime of IBM App Connect
Enterprise and to App Connect on IBM Cloud.
Data Event Streaming » TDL Package Installer APIs

Data Event Streaming (DES) config installer has been enhanced with APIs to
fetch DES configuration, update DES configuration, run the config installer and
fetch the installation log for a specific installation reference.
Data Event Streaming » DES Config Property to Customise

Schema Names
A configurable prefix property (temn.des.schema.name.prefix) has been
added to customise the schema names across all the Data Event Streaming
(DES) components.
Inflow » Inflow support to AA

Inflow now supports AA requests when using Process Workflow (PW) and non-
PW based Inflows. Users can define Integration Framework exit point for Inflows
based on AA. However, for non-PW based Inflows, it is recommended to use
version exit point, AA Activity or Activity Class exit point.
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IF Designer » On Demand Event

In Integration Event Designer, a new section (On Demand) is introduced to list
‘W’, ‘T’, ‘D’, and ‘L’ types of files. This enables the system to generate an event
for these types of files.
IF Runtime » Custom Integration Service

This feature allows the users to define their own Integration Service (TSA
Service) to deliver a set of events that belongs to one or more event types. Also,
Custom Integration Service can be defined targeting a specific event type. A
Custom Integration Service is similar to the adapter functionality, as it targets to
deliver events of a specific event type to the queue.
Data Event Streaming » Secure Overriding of DB KeyStore

Properties
This feature allows overriding of DB KeyStore properties using environment
variables or system properties. If there are no environmental variables or system
properties set, then the default keyStore is used to retrieve the database
parameters. This feature aims to override the DB keyStore properties in a secure
way.
IF Designer » Raw XML to IF Format XML Converter

A converter is introduced to convert this raw message to a proper Integration
Framework XML message. The converter reads the raw XML message from an
input queue, transforms it to a well-defined Integration Framework message in
XML format and places the transformed message to the output queue.
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Interaction Framework
UXP Browser » Enhanced Search Results
The search bar in UXP now uses the SOLR database. This enables the system
to check for results across domains resulting in improved search results. System
now supports multi-value and multi Domain search results.
IRIS R18 » SAML Token Based Authentication Configurations

The Security Assertion Markup Language (SAML) token-based authentication is
configured in the IRIS war file. SAML enables web browser single sign on
(SSO).
Microservices » Callback Registry Microservice

Callback Registry is an infrastructural microservice, enables client applications
to get notified as callback event for their transactions initiated in record keeping
systems like Temenos Transact.
IRIS R18 » IRIS Change for SOLR Data Base

The SOLR search functionality in Temenos Transact now uses IRIS to fetch the
free text from users and forms the valid SOLR request with or without filter
(based on the user profile) and sends it to the server.
IRIS R18 » IRIS – Microservices Processor

A new Microservices processor is added to the IRIS module of Temenos
Transact. This runtime processor forwards all incoming requests to their
corresponding microservices REST (Representational State Transfer)APIs. The
system is also enhanced to handle the exceptions and give a valid response,
without any exceptions.
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IRIS R18 » IRIS – Vocabulary Validation

IRIS Data Services module is now updated to validate the request payload sent
to IRIS against the vocabulary files present, as per the domain ID entered by the
user.
IRIS R18 » PAP Offline Capability - IRIS R18 APIs

IRIS module now has the ability to download the list of services mentioned in the
properties file. This enhancement provides a set of IRIS APIs and the ability to
read and push JSON files from and to a given folder.
System Core » Service Automation

A set of APIs have been introduced to identify the iteration of each service start
and stop activities. The services are attached to a unique correlation ID when it
receives the start signal from the API.
UXP Browser » Generate on Demand and IRIS – R18 in UXP

Browser
UXP browser can now use IRIS R18 for all runtime communication with
Temenos Transact. The Generate on Demand (GOD) feature generates the
required artefacts at runtime when any screen (enquiry, version or composite) is
launched through application.
UXP Browser » Multi-Tenant in UXP Browser

Tenants can now share their application server and set of war files. This allows
basic look and feel customisation per tenant and different Temenos Transact
models per tenant (Versions, Enquiries, Composite Screens, Menus, etc.).
Microservices » Funds Authorisation Microservices

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Microservices has been enhanced with the IRIS API invocation functionality.
IRIS R18 will have the capability to pass a security token and user context
specific parameters (currently passed as a part of IRIS HTTP Header) to
Microservices and Microservices can pass these parameters back to IRIS for
security reasons.
UXP Browser » External Authentication

UXP browser now supports external authentication and Single Sign-On using
LDAP and Kerberos.
IRIS R18 » Cross Product API Orchestration

The IRIS module has been enhanced to integrate TAP and Temenos Transact
APIs, and create published APIs.

UXP Browser » Country-Based Address Format

In UXP browser, users will now have an option to define the address structure
for a country. This allows the users to capture or validate the customer name
according to the defined rules for that country, as the rules for address could vary
from country to country.
UXP Browser » Enquiries in Excel Format

UXP Browser supports downloading enquiries in HTML, XML, PDF and CSV
formats. The Save As Excel option is introduced in UXP Browser to export
enquiry output in XLSX (Excel) format.
IRIS R18 » API Authorisation

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IRIS R18 has been enhanced to apply attribute-based Access policies check at
IRIS API endpoints (GET, PUT and POST) before any business function is
executed in Temenos Transact. The XACML policies are available in runtime
and are enforced before APIs are executed in Temenos Transact.
IRIS R18 » IRIS Interaction with ODS

This feature introduces an IRIS workbench to interact with the Operational Data
Store (ODS) metadata repository. This workbench receives the metadata
information from ODS metadata repository, which is parsed using the design
time tools and displayed in the UI for the users to create an API
UXP Browser » Call Back to User Agent

When the details in the User Agent screen modified and committed in the UXP
browser using deep link functionality. The UXP Browser calls back to the User
Agent screen and the changes appear once the User Agent screen is refreshed
manually. Instead of refreshing the screen manually, this feature allows the User
Agent screen to display the updated data as soon as the call back is triggerred.
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Platform Framework
Microservices Infrastructure » Enabling Extendibility for
Microservices
Microservice framework provides a configuration based L2/L3 development
mechanism to extend the Product Microservice for L2 and L3 teams to store and
retrieve the local reference fields.
Microservices Infrastructure » Microservice Stack to support

J2EE Platform
Microservice stack has been enhanced to support the J2EE platform.
Microservices Infrastructure » Health Checkup

Microservice framework is enhanced to provide the ability to monitor the health
of the application by writing a small test that returns either a healthy, degraded or
unhealthy result. In addition to testing the internal health of your application, it is
also useful for its external dependencies such as a third party API which your
application relies on to function correctly.
Microservices Infrastructure » Mongo DB Support

Microservice Framework supports Dynamo and Cassandra NOSQL based
databases. Additionally, the framework has been enhanced to support
MongoDB database, which is a cross-platform document-oriented database
program.
Microservices Infrastructure » Enum Support

Microservice framework now recognizes the enum datatype, which enables a
variable to be a set of predefined constants. Once the Enum is defined in
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swagger, the Enum Java file will be generated and it can be consumed by the
underlying microservice.
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Microservices
Microservice is an architectural style that structures an application as a
collection of services, modeled around a business domain. Each microservice is
an independent process that provides a unique business capability and it is
independently deployable, loosely coupled and encapsulated. Data in a
microservice can only be accessed from the service through APIs.
Event Store
Event store microservice collects events raised from the individual Microservices
and forwards it to the respective Microservice event using the streaming
platform. Event store is used to identify the current state of a business
transaction and can also be used for audit trail.
Generic Configuration
The generic configuration microservice helps an application to manage
application configuration as a configuration store. This solution provides an API-
based interface to add, update and retrieve configurations in the configuration
store.
Service Orchestrator
Service orchestrator microservice orchestrates commands or services that are
supported across Microservices. It provides an event interface to initiate a
sequence and executes it based on the execution sequence shared.
APIs in Event Store and Service Orchestrator

Event Store APIs are now available to monitor and analyse the event store inbox
table and query the records based on event type, event source, command type,
creation time and status.
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Service Orchestrator APIs are now available to monitor and analyse the
sequences in service orchestrator, query the sequences based on entity ID,
status and sequence ID and cancel the sequence execution using API.
Metering Microservice
A new microservice named Metering is introduced, which provides interface for
collecting the metrics data from Temenos modules. Metering metrics is broadly
classified as Business Value and API Usage. The day wise usage count of
these metrics is collected and made available through GET API interface.
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TREASURY
Forex » Forex Revaluation and Reserve Accounts
Banks can now view the split of FX revaluation P&L at much granular levels and
also enhance their financial reporting capabilities.

Position Management » Data Framework Reporting Model

Data Framework Reporting Model enhances the reporting and enquiry
capabilities with a read-only database. The Model handles the data generated
using a relational structure passed along with other value added information that
enhances the flexibility and granularity of position data.
Forex » Swift 2019

SWIFT 2019 changes pertaining to MT300: Foreign Exchange Confirmation
have been implemented to generate messages with Option J code words.
Treasury Front Office » Repo Position - TFO

Repo Position screen is added to Treasury Front Office (TFO). This screen
allows TFO users to view position of all the own book repo-able securities,
along with its lent (Repo) and borrowed (Reverse Repo) position. Users can
also view the details at individual transaction level, which shows Repo or
Reverse Repo position for a given security.
Treasury Front Office » Securities Position - TFO

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Securities Position screen is added to Treasury Front Office (TFO). This screen
allows TFO users to view the consolidated positions of own book portfolios and
security holdings across all the own book portfolios, using the Portfolio and
Securities tabs.
Treasury Front Office » REPO Deal Capture - TFO

Repo Deal Capture screen is added to Treasury Front Office (TFO). This screen
allows users to capture REPO (Repurchase Agreements) Deals.
Treasury Front Office » Derivatives – Deal Capture and Position

DX Deal Capture and DX Position screens are added to Treasury Front Office
(TFO). This enables the TFO users to capture exchange-traded and FX OTC
derivative deals, and view the position of all the own book derivative trades.
Treasury Front Office » Derivatives – Blotter

Treasury blotter includes own book derivative trades, such as OTC Options,
Exchange-Traded derivatives, etc. This enables the Treasury users to view,
amend, authorise, delete, and reverse the derivative trades.
Money Market/Forex » Treasury Payment Order Integration

Treasury modules (Foreign Exchange and Money Market) support the
generation of payment orders for settlement of contracts through book transfers
and externally through correspondent bank accounts.
enhancement.
Swap/NDF/FRA » Treasury Payment Order Integration

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Treasury modules (Forward Rate Agreements, Non-Deliverable Forward and

Swaps) support the generation of payment orders for settlement of contracts
through book transfers and externally through correspondent bank accounts.
enhancement.
Treasury Front Office » Risk Management with Treasury Dealer

Limits
The Treasury Front Office (TFO) now has a Dealer Limits functionality that helps
the bank to manage risks using the following: Currency Position Limits, Product
Limits, Deal Size or Transaction Limits, Stop-Loss Limits and Reports and
Dashboards.
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Configuration
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Temenos Transact
INSTALLATION AND
CONFIGURATION NOTES
Application Framework
Exit API for a Job
Users can only attach a JBC hook as an Exit API. It is not possible to attach L3
Java API.
Queue Processing
The queues feature does not affect the existing and upgrading clients. The
default behaviour is JOB.LIST mode. Any existing or a new client can switch to
queue mode with the specified setup.
Banking Framework
Sending Temporary Output to an Address
As part of upgrade,
l To enable the new functionality in the DE.PRODUCT application, the Upd

Addr Hold Opt field in COUNTRY.PARAMETER must be set to No.
l To continue with the existing functionality, the Upd Addr Hold Opt field
must be set to Yes.
Once the Upd Addr Hold Opt field in COUNTRY.PARAMETER is set as No (to
consider the new functionality of validations from DE.PRODUCT), it cannot be
changed to Yes.
Sweep Execution Based on Transaction Type

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The new functionality is dependent on the Sweep Trigger field in the

AC.SWEEP.TYPE record. If this field is not set, then the existing functionality
remains the same.
New Module for Core Charges and Fees

The Charges and Fees (CG) module will be automatically installed during the
upgrade process and requires no manual intervention.
Islamic Banking
Tracking of Commodity limit and Commodity - Broker Limits
The user can set up the commodity limit and broker fee related details in the
existing records of IS.COMMODITY and IS.BROKER.
Broker Fee Payment with Tax

Broker payment to the buy broker’s account occurs on a frequency defined in the
IS.BROKER table.
l The Br Payment Freq field should be configured with a frequency date in

which the user wants to do the broker payment.
l On the frequency date, a Close of Business (COB) Job
(IS.BROKER.SHARE.PAY) checks the records in
IS.BROKER.FEE.BALANCES and posts the FT transaction to pay the
broker settlement account.
l Once the payment is done, the frequency is recycled and Last Payment
Date is updated in the IS.BROKER table.
Archival of IS.BROKER.FEE.BALANCES
IS.BROKER.FEE.BALANCES live table has day-wise records for each broker

and for each of the purchase contract. The ID format of the table is <Broker-
Company-Product-Ccy-Status Value Date>. On a given frequency in the broker
record, the payment happens. The size of the table increases when the
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purchase records increase. Hence, archiving mechanism is provided to

overcome the performance issue in this high volume transaction table.
The Mov To Hist Days field in IS.BROKER is introduced to capture the number
of days until the record in this table should be available after the broker payment.
l The user can configure this field to get this table archived.
l After ‘n’ days from the date of the broker payment (FT), during COB (online
COB Job), the records are moved from IS.BROKER.FEE.BALANCES to
IS.BROKER.FEE.BALANCES.HIST.
Regional Banking Solutions

Stamp, VAT and Bank Transaction Tax
l Download the last available version of Temenos Transact (R1907).

l Manually create the record for CONDITION.PRIORITY with the name
“TAX--AAAAMMDD” where AAAAMMDD is TODAY´S date of Temenos
Transact.
l Run a COB.
l Install the BCON named TMNS000-ARTAXS.POSTCOB.CONFIG.
Direct Debit Mandate Processing

The path or location and the file name for each of the message types are
configured in the DFE.PARAMETER table.
l For inward files received, the file name is specified in the IN.FILE.NAME
field in the table.
l For outward files received, the file name is specified in the
OUT.FILE.NAME field in the table.
l For inward files received, the path is specified in the INPUT.DIR field – for
example – BKIN.
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l For outward files received, the path is specified in the OUTPUT.DIR field –
for example – BKIN.
The valid path and file name can be configured as needed; in the environment,
the development is used.
Retail
Viewing Linkages to Bundle Arrangement
Banks where the bundle linkages has to be reflected immediately after the
creation of bundle can have the AA.PROCESS.ACTIVITIES service set to
MANUAL and run the service.
Generating Separate Entries For Charge Offsetting

53 new events have been added in the AC.EVENTS table and used in the
allocation rules of Account, Interest, Charges, Periodic Charges And Tax
property classes to offset charges against Interest or principal components. A
complete list of these events can be found in Product Management >
Arrangement Architecture > Soft Accounting.
NOTE: The banks’ account statement displays the description given in the
transaction codes. Thus it is important that that the bank user adds appropriate
description to the new transact codes that are to be created and attached to
the allocation rules.
Treasury
Money Market Payment Order Integration
To migrate the existing Money Market contracts to follow the settlement through
payment order, run the CONV.CONTRACTS.TO.PO service.
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Temenos Transact
Swap Payment Order Integration

Run the CONV.CONTRACTS.TO.PO service to migrate the existing swap
contracts to follow the settlement through payment order.
163
Release Notes
Temenos Transact
RELEASE NOTES
Banking Framework
Cards and Cheques
CQ - A new module Cards and Cheques (CQ) has been carved out of System
Tables (ST) to cater to the needs of the cheque management functionality. This
module will be automatically installed during the upgrade process and requires
no manual intervention. Any local developments referring Cards and Cheques
related artefacts in componentised format should be modified to refer CQ
accordingly.
Regional Banking Solutions

Removal of Multi Debit Credit
The functionality provided through MULTI.DEBIT.CREDIT transaction template
to post multiple debits and credits using a single transaction is being removed. It
is not possible to reverse and adjust a single leg of the transaction. Posting
multiple entries and reversal of a single entry is already supported through
clearing. Hence the functionality from the feature is being sunset. Posting
multiple entries from Batch file uploads should be done through other existing
features supported in Temenos Transact.
Retail
AA - Foundation
As a part of further componentization of the Arrangement Architecture framework

(AA), a new module Arrangement Foundation (AF) has been carved out to keep
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Temenos Transact
the essential framework features. This module will be automatically installed

during the upgrade process and requires no manual intervention.
166
Technical
Notes
Temenos Transact
TECHNICAL NOTES
Banking Framework
Sending Temporary Output to an Address
l DE.UPD.PRD.DCP.CARR.HLD.DET COB job has been defined as daily

job routine in the SYSTEM.START.OF.DAY batch to delete invalid
carriers, after the expiry of the carriers end date.
l DE.PROCESS.PRODUCT.HELD.MAILS COB job has been defined as a
daily job routine in the SYSTEM.START.OF.DAY batch to reset hold
details in DE.PRODUCT, after the expiry of the Hold End Date.
l HOLD.MAIL.ONLINE service to reset the hold details in DE.ADDRESS, as
part of existing functionality, has been enhanced to reset the hold details in
DE.PRODUCT as well, after the expiry of the Hold End Date.
l DE.UPD.PRD.DCP.TAKEON (a one-time service) is defined to ensure
that, once the Upd Addr Hold Opt field is set as No, it cannot be changed
to Yes. The hold details updated in the DE.CUSTOMER.PEFERENCES
application (for a customer or account) are also updated in DE.PRODUCT,
for the Product Ids built in the DE.CUSTOMER.PEFERENCES record.
New Modules for delivery address and contact preferences

l DE.ADDRESS and DE.SWIFT.ADDRESS applications are moved from DE

to PY module.
l DE.PRODUCT, DE.CUSTOMER.PREFERENCES and
DE.MESSAGE.GROUP applications are moved from DE to PF module.
l New modules PY and PF will be auto installed during the upgrade
process.
l If local development refers to these tables in componentised format, the
references should be changed to refer PY and PF, accordingly.
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Temenos Transact
Multiple Pay-in Accounts and Unblocking of Funds

The following Local Processing Definitions in the RC.TYPE and RC.PRIORITY
tables must be modified to include the multiple pay-in accounts setup to arrive at
the required process or decision (for example, Local Prioritising logics linked in
RC.PRIORITY). Local definitions in the below mentioned fields are used as a
part of recycler processing.
l RC.TYPE
o LOC.PRE.PROCESS
o LOC.PRIORITISE
o LOC.PROCESSOR
o LOC.POST.PROCESS
o LOC.CAPTURE.RTN and
o LOC.CAP.CHK.RTN.
l RC.PRIORITY
o LOC.PRTY.SORT
Customer Liability Change in Customer Group

l Limits with new alpha-numeric keys can be generated for the Customer
Liability structure created using the CUSTOMER.GROUP application.
l This is a new functionality and any existing local development for Liability
structure may have impact when used with new keys.
New Module for Core Charges and Fees

Charges, Commission and Tax related applications like FT.CHARGE.TYPE,
FT.COMMISSION.TYPE, TAX and CUSTOMER.CHARGE are moved from
System Tables (ST) to a new module ‘Charges and Fees’ (CG).
The CG module will be a child module for ST and will be auto installed during
upgrade process.
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Temenos Transact
If local developments are referring the charges, commission and tax related
applications in componentised format, it should be changed to refer CG instead
of ST.
Corporate
Backdated Sweeping
l Back Value Adjustment - Adjustment is added and can be applied for

Maintenance, Surplus and Two-way sweeps.
l Back-value dated sweep should be enabled for Maintenance, Surplus and
Two-way sweeps.
l Amendment of Back Value Adjustment field is not allowed, once
adjustment is selected.
l Raises error when zero balancing is enabled in AC.SWEEP.TYPE and
Back Value Adjustment is set as Adjustment in AC.CP.GROUP.PARAM.
Facility Product
l A new Product Line, FACILITY, is added to AA to allow Financial

Institutions (FI) to offer credit facility to customers enabling them to have
multiple drawings each with unique conditions.
l Line attribute of Facility product line is MULTI.ARRANGEMENTS. This
option indicates that there can be more than one arrangement.
l In addition to existing property classes available for Facility Product Line,
the following Property Classes are added to AA and are available only if
FL license is purchased.
o Sub Arrangement Rules - It defines rules for creation of drawings
against a Facility.
o Payment Priority - When a combined payment is received towards a
facility with multiple sub-accounts, the payments can be distributed
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Temenos Transact
towards each sub-account based on pre-defined rules defined in

Payment Priority.
Pricing Grid
A new Property Class, Pricing Grid, is introduced to define the criteria used to
determine the margin(s) and/or rates at the various levels of the credit
agreement. It is an optional Property Class and applicable for Facility and
Lending (Drawing) Product Lines. Grids can be defined at the deal, facility
and/or drawing levels.
A new license code PG (Pricing Grid) is required to use for this feature.
Pricing Grids separately apply to
l Interest - Refers to interest on the principal balances of drawing

l Fees - Refers to interest on the various commitment balances
Covenants and Conditions

A new Property Class, Evidence, is introduced to capture and monitor
Covenants and Conditions. It is an optional Property Class and applicable for
Facility and Lending (Drawing) Product Lines. This Property Class is of type
DATED and TRACKING. Covenants and Conditions refers to conditions, which
a borrower must comply with to have a facility or loan.
A Covenant is lifetime condition that is revisited in frequency. A Covenant must
hold true throughout the life of an arrangement (for example, deal or facility) and
it should be validated on a certain frequency. A Condition must be true to allow
certain activities to occur.
Covenants and Conditions are Evidence Requirements
(EV.EVIDENCE.REQUIREMENT) in transact and with some having condition
variables, which are used to evaluate whether a requirement is compliant or not.
Example
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Temenos Transact
Return on Equity Ratio is greater than or equal to X%. Borrower Risk Rating is greater than
or equal to X. Where, the variable X is data element and are specific to a Deal, Facility or
Customer, which is regularly monitored by administrative agents or lenders to meet the
credit and regulatory obligations.
NOTE: This feature is available if a COVCON license is purchased.
Sub Arrangement Conditions

A new Property Class, Sub Arrangement Condition, is introduced to configure
the product catalogue at the facility. It is an optional Property Class and
applicable only for Facility Product Line. It holds the definitions (default values
and negotiation rules) for attributes of the sub arrangement and these definitions
are applied when a drawing arrangement is created under a facility. This feature
works only if a SUBCON license is purchased.
Example
A lending bank wants to set up conditions as follows during the negotiation of Credit
Agreement:
l Any drawdown taken under the facility will be for USD 50,000 or above.
l For Working Capital loans, the interest rate tracks LIBOR 3M.
l For any drawings under a Project Finance Product Group, the maximum term can be
only 10 years.
Interaction Framework
Cross Product API Orchestration
New properties file (cross-product-config.properties) has been added as shown
below and changes will have no effect on the existing developments.
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Temenos Transact
BaseUri and metaApidocsUri should be uncommented with proper values to

integrate Temenos Transact and TAP.
Islamic Banking
Broker Fee Payment with Tax
Back-Dated purchase transactions – IS.BROKER.FEE.BALANCES table is
updated for each of the purchase contract with broker charges. If broker payment
fund transfer is posted for a set of transactions and the user entered a back-
dated purchase contract with the same date (previous record exist), the ID of the
table is appended with ‘-B’.
Example
Current date is 20200131, a back-dated purchase contract is entered with the status value date
as 20200115 and if a paid record in IS.BROKER.FEE.BALANCES is already available for the
same date (110123.GB0010001.10.USD.20200115), then new record is created with the ID as
110123.GB0010001.10.USD.20200115-B. Similarly, if -B record is also paid on the defined
frequency and again for the same date if one more purchase transaction is initiated, then the
record ID is appended with -B1 (110123.GB0010001.10.USD.20200115-B1), -B2, and so on.
Retail
Storage of Arrangement Information
l For High Volume customer roles, the Mass Customer Update field in AA
Customer Arrangement is updated at the first instance when a customer is
linked to an arrangement in a High Volume role. Subsequently even if the
customer is removed from the arrangement, the Mass Customer Update is
not reversed.
l In a High Volume scenario in which a customer is linked to millions of
arrangement (say in a capacity of guarantor) in a High Volume role, the AA
Mass Customer Arrangement table is updated with the arrangement
details and the Mass Customer Update field acts purely as an indicator to
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Temenos Transact
the user that the arrangement information might reside in the AA Mass
Customer Arrangement table, as well.
l When the arrangement search enquiries are customised, the Mass
Customer Update field would indicate that the search criteria needs to
applied on AA Mass Customer Arrangement table as well.
Common Variables for Local Usage

Temenos recommends all local customizations to use only the below-prescribed
list of common variables, which are allowed for local usage.
Common variables Description
c_aalocArrId It contains arrangement ID.
c_aalocArrangementRec It contains arrangement record.
c_aalocArrProductId It contains the product used by the arrangement.
c_aalocArrCurrency It contains the currency used by the arrangement.
It contains the activity with the Product Line, Action, and

c_aalocActivityId
Property separated by FM.
c_aalocTxnReference It contains the arrangement activity transaction reference.
c_aalocCurrAction It contains the current action processed by action manager.
c_aalocArrActivityRec It contains the current arrangement activity record.
c_aalocLocalRefList It contains the list of local reference fields.
c_aalocCurrActivity It contains the user or system generated activities.
c_aalocLinkedAccount It contains the linked account ID.
c_aalocProductRecord It contains the published product record for the arrangement.
c_aalocPropClassId It contains the Property Class ID of the current Property.
c_aalocPropertyId It contains the current Property name.
It contains the published product Property record for the

c_aalocProdPropRec
arrangement.
It contains the status of current activity like UNAUTH, DELETE,

c_aalocActivityStatus
REVERSE, DELETE-REV and AUTH.
c_aalocArrActivityId It contains the arrangement activity ID.
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Temenos Transact
Common variables Description
c_aalocActivityEffDate It contains the activity effective date.
c_aalocAccountDetails It contains the account details record.
If the user deletes the forward-dated condition dynamically,

c_aalocForwardDelCond
then the system sets this option in all the stages.
c_aalocMasterActivity It contains the master activity ID.
It contains the details such as from date, to date, Property

source type, activity name, and arrangement ID with lowered
c_aalocSourceCalcRtnContext
(Raise before use) while calling source calculation routine to
support local customization.
It contains the ALLOW value for Islamic Deposits to allow debit

c_aaLocAllowDebitUnc
arrangement.
Treasury
Forex Revaluation and Reserve accounts
l Conversion service: FX.POST.SPEC.ENTRIES.

l This service selects the existing live FX deals and converts the accrual
and revaluation accounting entries from Stmt entry Vs Categ entry to Spec
entry Vs Categ entry, if the REVAL.ENTRY.TYPE field in
FX.PARAMETERS is set to ‘SPEC’.
l The conversion service should be executed only once when the parameter
is set to ‘Spec’ during the contract’s life or during post upgrade in order to
convert the existing accounting entries to the new methodology.
Treasury Modules Shared Parameter

Treasury Shared Parameter (TM) is a new module that supports the
development and usage of common parameters of all Treasury modules, which
include Forex (FX), Non-Deliverable Forward (NDF), Money Market (MM),
Forward Rate Agreements (FRA) and Swaps (SW).
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Temenos Transact
A new parameter table (TM.PO.INTEGRATION) is introduced within the TM

module to configure the common parameters that enables the generation of
payment orders from the treasury modules.
TM module comes along with the other licensed Treasury modules, and
henceforth, will be used to create and store all shared parameters in the
modules.
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