TCF 2024 - Payments Deep Dive1234567.PPT

Temenos 24

1. Payments DEEP DIVE

2. Agenda Intro & Welcome   SWIFT Interview  Product Review Zain Cash Interview Demo BIL Interview The Roadmap Q&A

3. What is your current status for supporting SWIFT CBPR+ ISO20022? Fully live Currently Implementing Software licensed, not implementing yet Using translation service, no native ISO20022 license yet No defined plans for ISO20022 enablement Not relevant  

4. Company logo Mick Fennell, Business Line Director – Payments, Temenos James McMorrow, Head of Wholesale Payments Strategy, SWIFT

5. Swift Essentials Q4 2023 Confidentiality: Restricted

6. Swift Essentials sets a new standard for transaction services Q4 2023 Swift Essentials Page 7 Swift Essentials Swift gpi Swift Go P re-Validation SwiftRef Payment Controls Transactions Screening (optional) KYC Case Management Swift Securities View Fast & Secure Faster payments, increased fraud prevention and compliance Supports the G20 Target Frictionless Streamlines the end-to-end payments process Reduce costs Greater efficiencies across the payments and securities lifecycles Better end-Customer Experience Improves your end-customers’ experience through seamless transactions and faster issue resolution

7. Temenos Payments Product Overview Mick Fennel Business Line Director Payments – Temenos

8. Market Drivers - Innovations in Payments User Experience EMI’s Cloud Native Single Platform Request 2 Pay Process Optimisation Fraud detection AI Models Data Governance Agency Sanction screening Fin Crime protection Verification of Payee Intelligent Routing QR Codes Intraday Liquidity Management Alternative Payments Rapid Time 2 Market X-Border Tokenisation Open Banking 24/7 ESG CBDC Embedded Payments Collaboration API first STP Digital Wallets PAYMENTS ISO 20022 Standardisation Instant Modernization

9. Temenos banking capabilities landscape GROUPED BY BANKING SERVICE DOMAINS Business Support XAI Risk & Compliance Operations Channels Localization Corporate Banking Wealth Banking SME Banking Retail Banking Reconciliations Payment Repair Commissions Funds Authorisations International Clearing Collections Local Clearing Treasury Fraud Monitoring Know Your Customer Payment Gateway Accounting Positions SWIFT Connectivity AML Monitoring Open Banking Policy Engine Customer Compliance CRS Reporting IFRS Reporting RFR Watchlists Tax FATCA Financial Risk Management Country Models SME Customer Management SME Scoring FCM Outlier Detection Retail Customer Management SME Next Best Product Retail Scoring Transaction Management Wealth Scoring Retail Next Best Product Products Accounts E-Money Corporate Loans Portfolio Management Inclusive Banking Product Pricing & Bundling Retail Loans Trade Finance Securities Islamic Banking Product Design Retail Deposits SME Loans Cash Mgmt & Virtual Accts Corporate Actions Customer Engagement Marketing Campaigns Corporate Onboarding & Origination Payment Orders Product Catalogue Relationship Engagement SME Onboarding & Origination Holdings Retail Onboarding & Origination Party Wealth Onboarding & Origination Data & Analytics Data Hub Market Data Management Reference Data Management Analytics Teller Transaction Recycler Payments Execution Instant Payments BNPL Request to Pay Payroll/ Bulk B2B/B2C Payout Local/ International Disbursement services Installment services

10. CHANNEL (Internet & Mobile), RETAIL, CORPORATE, Merchant, external & Third-party API, PoS/mobile wallets … request answer (ok / not ok) request answer (ok / not ok) Clearing & Settlements: SWIFT MT/MX ISO20022, SWIFT GPI, RTGS, ACH, Partner Banks Inquiry/Answer, Reject, Recall, Cancelation Customer/ Account check* Funds reservation Sanction screening Accounting entries Credit Transfer/ Direct Debit/ Transaction/File request answer Payment Initiation/ Channels Payment execution/ Services & Financial messaging Payment Schemes/ Gateways API / Messages / Extensibility Framework request answer request RESTful API Credit Transfer/ Direct Debit/ SME Bulk Status/ Notifications request answer answer Inquiry & Recall Order Management/ Product Pre-processing Temenos Payment Hub Status/ Clearing Reports/ Acknowledgment Product Management Msg. Accept+ Mapping SLA Routing & Settlement (MOP) FX Conversion Workflow Orchestration Technical Duplicate Check Functional Duplicate Check Automated Repair Validate Debit & Credit Party Payment Monitoring Sanction Check Warehousing Posting Scheme & Booking Funds Authorisation Corporate Files De-Bulking & Bulking Weight (priority) Assignment Hold for Cover Payment Generation Posting Scheme & Booking Billing Ref. Data Queue Management Interfacing HV Bulk files (CT/DD) via H2H Status/ Notifications Temenos Payment Order Validation Account check Fraud Check Cond. Routing Order workflow Product Rules Alias Service* Reservation Access Management CodeWords Risk Filter Fee Determination Date Determination Fraud Check Core Banking Verification of Payee Sanction Screening Others … Alias (proxy) Repository

11. Wide range of Deployment Options Temenos Payments Hub (TPH) Deployment options (SaaS, Cloud and on-prem) Hybrid On Premise Temenos Enterprise Service Public Cloud Cloud Like Temenos SaaS Temenos manages the software Bank manages the software TPH + any Core Banking Standalone Mode TPH + Temenos Core Embedded mode Single code base, same product

12. Payments Product Value Insights FIs that run Temenos Payments Capability have: 16% Higher PAYMENTS STP RATE 50% 90% Lower TIME REQUIRED FOR MANUAL REPAIRS 31% Higher PAYMENT GROWTH RATE Lower PAYMENTS INVESTIGATION RATE

13. 49 New TPH Sites in 2023* Last 5 Years Number 1 Selling Payment Hub** 80+ Number of live sites *Subject to final audit by IBS **Based on IBS Retail Payment Hub Sales League Table @Irene: Please send the slide to design

14. Company logo Mick Fennell, Business Line Director – Payments, Temenos Yazen Altimimi , Chief Executive Officer, Zain Cash

15. 1.2M Downloads 6K Agents 44.5M Population 75% Unbanked $265B GDP 60K Credit Cards

16. Temenos Payments Advanced Payment User Agent Demo Daniela Mrowietz Business Solution Manager Payments – Temenos

17. Advanced Payment User Agent – Improving Operational Efficiencies​ 360° Holistic View and Navigation Dynamic & Contextual ​ Action-oriented Dashboards​ Highly  Configurable Enhanced Case Management Quicker Access for Payment Operator Optimized P erformance Temenos Strategic Investment – Significantly Improved Ergonomics, Performance and Design​

18. DEMO

19. Company logo Mick Fennell, Business Line Director – Payments, Temenos Serge Munten, Head of Business Transformation BIL Luxembourg

20. BIL, oldest bank in Luxembourg Speaker Serge Head of Transformation s Present in Luxembourg, Switzerland, and China. Universal Bank > 2000 Systemic bank Balance Sheet 30,5 bn EUR Net profit 202 mn EUR Founded in 1856

21. Select your 3 most pressing drivers in payment right now: Instant ISO 20022 Cloud/SaaS AI CBDC/Crypto API/Open Banking AML/Fraud Digital Channels Analytics/Reporting STP rates

22. Temenos Payments The Roadmap Sujatha Venkatraman Product Director Payments – Temenos V isionary pitch from senior ppl

23. Payments Roadmap 2024+ Roadmap Available Analytics Operational Efficiency Customer Centricity Effective Risk and Compliance Innovation and Growth Local Clearings XAI Analyser with advanced rule mining techniques to help boost STP rates AI Augmented Payment Repair Simplified product setup easy definition/maintenance of new/existing products Simplified Product Setup SWIFT CBPR+ Customer Cancellation Requests & Cheques SWIFT CBPR+ Nov 2023 NPP Instant PayTo Service BPAY for Direct Participants Direct Entry for Direct Participants RTGS Australia Microservice for faster queries and searches in User Agent, Dashboards & Reports Expanded Microservices Architecture Country validation rules engine for International payments SWIFT Country Validations Advanced Payment User Agents for end-to-end management of payments Payment User Agents Extensibility Framework for no code/low code extensions and easier upgrades Extensibility Framework SWIFT CBPR+ Charge Claims, Exceptions & Investigations Structured Address Reference Data SWIFT CBPR+ SWIFT GPI, Prevalidation , Go, AGI Instant SWIFT Essentials Model Bank with fully pre-configured products, APIs and events for rapid implementation Model Bank Platform Approach LSV Direct Debits Swiss –ebill DD SIC5 Instant Switzerland CHATS MX RTGS FPS Instant & Batch Credits FPS Batch Direct Debits Hong Kong Fednow Instant Send/Receive Request for Pay Fedwire ISO20022 USA Optimised user journeys and dashboards via UA for Payment investigations & exceptions Case Management IBAN name matching for inward payments Beneficiary Name Comparison Cross Border Europe USA Enterprise Payment Services Instant Payment Regulation Verifciation of Payee Service EU Instant Regulation NPA for Faster Payments UK ACSS – Enhanced Batch and AFT Canada SCRIPS, MEPS+ Singapore

24. EU 2024/886 Instant Payment Regulation Instant Payment as first payment method Allow Instant Payments across all Channels, non Euro accounts Bulk (mass) Instant Payment initiations Verification of Payee (VOP) for SEPA Instant and SEPA Classic across channels VOP Opt-in/out for business customers (bulks) Daily Screening of Customers

25. 2025 – Year of Major Deadlines 9 Jan 2025 Receive 9 Oct 2025 Send EU SEPA Instant Payments Regulation EUR US Fedwire ISO 20022 10 Mar 2025 Big Bang Global SWIFT November 2025 CBPR+ End of Co-existence for MT messages Structured Customer Addresses New Swift Reference Data

26. Payment Enterprise Services (with pre-configured multiple Payment rails) Instant Clearings RTGS Clearings SWIFT ACH Clearings Payments Hub Cross Border Payments Domestic Batch Payments High Value Payments Instant Payments Transaction Sanctions Filtering (Optional) EU SEPA* US ACH EU TARGET2 US Fedwire EU TIPS, RT1 US Fednow Other Other Other * SEPA for EBA, Bundesbank, EquensWorldline

27. Payment Enterprise Services (with pre-configured multiple Payment rails) Pre-configured payment SaaS services, can also be implemented On-Prem  Accelerated Time to Market - Ready for certification in 60 days Pre-built integrations with Transact Core Banking and FCM for Screening (optional) 24/7/365 High Availability, High STP, Extensible Connectivity to Gateways – SWIFT AGI Instant (for TIPS, RT1), SWIFT Alliance Regulatory Compliance – Maintained for scheme rulebooks & Continuous Updates Start with Single Payment Rail and leverage investment to expand and modernisation full payment processing

28. Q2 2024 – R24 AMR Q3 2024 Q4 2024 Q 1 2025 SEPA/EU USA Australia, HK UK CH Fednow Instant, Fedwire ISO20022 & US ACH SEPA Instant Cross Border SWIFT CBPR+, SWIFT GPI AU & HK Payment Rails (AU - NPP, RTGS, BPAY, BECS, HK CHATS, HK FPS) Switzerland Payment Rails (SIC, EuroSIC, SIC5) UK Payment Rails (FPS, BACS, CHAPS, NPA) At the time of writing this roadmap is accurate and updated, however for various reasons it may be subject to change SEPA, SEPA Instant (Wordline, Bundesbank) SWIFT Pre-Val, Alliance Cloud 2025+ SEPA & T2 Payment Enterprise Services Roadmap 2024+

29. Temenos Payments Speaker Name Speaker Surname Find out more: https://www.temenos.com/products/payments/

30. 2025 – Year of Major Deadlines 9 Jan 2025 Receive 9 Oct 2025 Send EU SEPA Instant Payments Regulation EUR US Fedwire ISO 20022 10 Mar 2025 Big Bang Global SWIFT November 2025 CBPR+ End of Co-existence for MT messages Structured Customer Addresses New Swift Reference Data

31. Thank you