Otera + Temenos Transact

Overview

Temenos Transact serves as the core banking system for over 950 banks globally, handling deposits, loans, payments, and compliance across retail, corporate, and commercial banking. The platform stores customer data, processes transactions, and enforces workflows, but exceptions, complex requests, and decision-intensive processes still require manual intervention. Otera's AI agents handle the decision layer, autonomously evaluating situations, applying business logic, and completing work without waiting for human review.

How It Works

Otera works alongside Temenos Transact, extending core banking operations into autonomous, end-to-end processing.

• Receive transaction data: Agents pull customer records, account details, and transaction events from Temenos Transact, establishing full context for each situation requiring action.
• Evaluate exceptions: Otera applies business rules and policy logic to transaction exceptions, determining whether to approve, reject, or escalate based on risk thresholds and compliance requirements.
• Process requests autonomously: AI agents handle loan applications, account modifications, and service requests end-to-end, returning completed decisions to Transact without manual queues.
• Flag complex cases: When situations involve regulatory ambiguity or risk factors beyond defined thresholds, Otera routes them to appropriate teams with full context and recommended actions.