Why the banks with the most at stake choose a specialist.

Executive summary

Tech Force Digital is a specialist consultancy focused exclusively on Temenos core banking: implementation, architecture, migration, integration and ongoing support. We bring together over 85 professionals averaging more than 20 years of hands-on Temenos experience, operating across Europe with a growing international presence.

Our legal entity is young. Our team is not. The people behind TFD have delivered some of the most complex core banking transformations in the world, across tier-1 banks, global system integrators and regional institutions. That matters because in core banking, experience is not a soft advantage. It is the difference between a programme that lands and one that becomes a board-level problem.

We measure ourselves the way our clients do: did the programme deliver what was promised, on the terms agreed, with no surprises along the way?

The Temenos landscape

Temenos remains one of the world’s leading core banking platforms, powering institutions across retail, corporate, private and Islamic banking. With a suite spanning Transact (T24), Infinity, Payments and Financial Crime Mitigation, and a decisive move toward SaaS and cloud delivery, the platform’s capability has never been broader. Neither has the execution challenge.

For a bank, the hard part is rarely the decision to adopt or upgrade Temenos. It is the execution. Implementations are multi-year programmes of deep configuration, bespoke development, data migration, regulatory compliance, systems integration and organisational change. The margin for error is thin and the cost of getting it wrong is significant.

This is where specialist depth matters. A generalist structure offers breadth: Temenos is one practice among many, teams are blended, recruitment follows signature, and accountability is distributed across layers. A specialist structure offers the opposite: Temenos is all we do, every engagement gets our best people, mobilisation comes from an existing bench, and leadership is personally accountable for the outcome.

What we do

Eight capabilities cover the full programme lifecycle, from the first architectural blueprint to the 3 a.m. production incident.

• Independent programme review. An objective assessment of a programme already in flight: stakeholder alignment, a technical health scorecard, a prioritised risk register and a findings report you can act on.
• Architecture and technical design. Senior architects who scope a technically sound blueprint, aligned with Temenos practice and your enterprise architecture, before a line of code is written.
• Implementation. Environment set-up, product configuration, testing and go-live across Transact, Infinity and Payments, for challengers and tier-1 institutions.
• Integration. Payment rails, CRM, regulatory reporting and third-party data connected through designs that hold up in production.
• Migration and upgrades. Legacy-to-Temenos migrations and complex version upgrades, with tested frameworks, our own tooling and the scar tissue of having done it before.
• Training and knowledge transfer. Capability is a deliverable, not a by-product. The knowledge from an engagement stays in your organisation.
• Team augmentation. Experienced Temenos professionals who integrate directly into your delivery structure. Our people work as your people.
• Managed support, 24/7. Coverage built around the operational reality of banking, with clear escalation and SLA-backed response commitments.

How we deliver

Every engagement begins the same way: we listen. Before any proposal leaves our desk, we run structured discovery with the people who own the problem, to understand the real problem and not just the stated one.

1. Discovery first. We ask the uncomfortable questions, challenge assumptions and map dependencies. It is how we protect our clients, and ourselves, from building the wrong thing well.
2. Scoping in writing. Objectives, architecture, phased plan, named roles, risk register and commercial model in one document. No complexity hidden in a vague estimate.
3. Delivery governance. Weekly status, milestone checkpoints and proactive escalation. You always know where the programme stands.
4. Contingency by design. Additional capacity, alternative technical approaches and escalation routes are built into every engagement, so a surprise never becomes a crisis.
5. Scale when it matters. A bench of 85+ specialists lets us flex up or down, bring in phase-specific expertise and absorb scope change without losing momentum.

Discovery is the foundation of every commercial commitment we make, and the reason our estimates hold.

The team

Tech Force Digital is built around people who have spent their careers in Temenos, not professionals who picked it up along the way. They have operated at every level of the delivery stack: as lead architects shaping programme blueprints, as functional specialists configuring complex banking products, as technical leads working through integration, and as programme leaders accountable for outcomes.

They have worked inside tier-1 banks, inside global system integrators and inside Temenos itself. They have seen what good looks like, and what failure looks like, and they bring that perspective to every engagement. Across the bench we cover solution and enterprise architecture, functional consulting across retail, corporate, private and Islamic modules, L3 development on TAFC, TAFJ and the API layer, data migration, testing and quality assurance, programme and delivery management, and training and change.

That breadth means we can staff a full programme team from one source, or slot precisely into an existing structure where a specific skill is missing. We do not overstaff engagements, and we do not leave gaps.

Track record

The expertise we bring to market was built inside some of the world’s most respected financial institutions. Our team’s backgrounds include major programmes at UBS, Credit Suisse, Santander and a range of tier-1 European retail and commercial banks, as well as inside Temenos itself. These are the environments where our people built the depth of knowledge and the delivery discipline that defines how TFD operates today.

Today we are engaged with Banca March, one of Spain’s most respected private banking groups, on core Temenos configuration and architecture, and with IBM, Cognizant and Accenture on specialist Temenos delivery and advisory across their programmes. The fact that organisations of this calibre choose to work with us, and return to us, is the most honest measure of our quality.

Europe is our primary market, where our network and relationships are deepest. We are expanding into North America and other international markets, supported by remote delivery capability and our partnership model.

Why a specialist

Five reasons banks with the most at stake choose a specialist, and keep choosing us.

• Depth over breadth. Temenos is all we do. Every engagement gets our full attention and our best people.
• Accountability. Our size means accountability is real. When we commit to an outcome, our leadership is personally accountable for it. You deal with the people who own the work.
• Speed to value. Over 85 specialists available for mobilisation, with no recruitment backlog between contract signature and kick-off.
• Long-term relationships. We measure success by whether clients come back and whether they recommend us. If the right answer is a phased approach that takes longer, that is what we propose.
• Independent perspective. Not aligned to any vendor, platform or integrator, so our only interest is the right outcome for you.

For your programme this means lower delivery risk, from people who have seen the failure modes before they appear on your RAID log. Faster time to value, with the right mix of functional, technical and domain skill from day one. And knowledge that stays, so your institution owns the capability long after the programme closes.

Next steps

The first step is always the same: a conversation. No sales decks, no generic presentations. An honest discussion about where you are, where you want to be, and whether we are the right people to help you get there.