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Temenos Infinity Onboarding from Temenos
Digital onboarding platform with omnichannel capabilities, automated KYC/AML, document management, e-signatures, and integration with core banking systems, customized for brokerage services.
Product analysis by function
Client Onboarding Solutions for Client Services
Digital platforms streamlining the account opening process, including KYC (Know Your Customer), AML (Anti-Money Laundering) checks, and documentation management.
More Client Onboarding Solutions
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Account Creation & Onboarding
(12 Yes /12 Known /14 Possible features)
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Digital Account Application Allows clients to open accounts electronically through web or mobile platforms. |
Product documentation and website state support for digital account opening on web and mobile platforms. | |
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Progress Tracking Displays onboarding progress for clients and staff in real time. |
Omnichannel onboarding supports real-time progress tracking for clients and staff. | |
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Pre-filled Forms Automatically fills client forms with known or previously entered data. |
Product supports automated data collection and re-use, indicating pre-filled form capability. | |
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Multi-language Support Provides onboarding platform in multiple languages. |
Website and documentation cite multi-language onboarding support. | |
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Multi-currency Support Supports accounts across various currencies. |
Supports multi-currency and multi-country onboarding as per Temenos product pages. | |
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Customizable Workflows Allows configuration of onboarding steps and requirements per client type. |
Described as highly configurable with client-specific workflow setup. | |
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Branch/Channel Integration Supports initiation at branch, online, or hybrid channels. |
Supports online, branch, and hybrid account opening. | |
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Bulk Onboarding Enables onboarding of multiple clients in batch. |
Bulk onboarding available for business/corporate clients. | |
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Onboarding Time Average time to complete an account opening process. |
No information available | |
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Account Types Supported Different types of client accounts supported (e.g., individuals, corporates, trusts). |
No information available | |
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Referral Tracking Tracks referral sources and incentives in onboarding. |
Referral/invitation flows supported per features overview. | |
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Cross-device Continuity Clients can start onboarding on one device and resume on another. |
Onboarding can be started on one device/channel and completed on another. | |
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Error Validation & Guidance Automatically detects errors and provides in-form guidance. |
Temenos highlights automated error detection and user guidance during the process. | |
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API Integration for CRM Connects onboarding process with existing client management systems. |
API and prebuilt connectors available for integrating with core and CRM. |
KYC (Know Your Customer) & Identity Verification
(13 Yes /13 Known /14 Possible features)
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Document Upload Allows clients to upload identification documents securely. |
Secure online document upload and verification is a core KYC feature. | |
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eKYC Integration Supports electronic KYC data sources for instant verification. |
Real-time eKYC data integration and identity check are marketed capabilities. | |
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Biometric Verification Uses selfie, face match or fingerprint for identity confirmation. |
Biometric selfie/facial match and fingerprint supported for mobile onboarding. | |
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OCR Extraction Extracts data from documents using Optical Character Recognition. |
Uses OCR for extracting data from ID and supporting documents. | |
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Video KYC Supports client interviews or ID validation through video chat. |
Video-based KYC is available for regulatory compliance needs. | |
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Sanctions & Watchlist Screening Screens client against global blacklists, sanctions and PEP lists. |
Conducts screening against global sanctions and watchlists. | |
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Proof of Address Handling Verifies and stores client proof of address. |
Proof of address verification is built in. | |
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Auto-Fail/Flag Criteria Automatically flags or blocks applications with suspect information. |
Automated flagging/auto-fail on high-risk matches or anomalous data. | |
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Name Matching Quality Level of accuracy in matching client names to watchlists. |
No information available | |
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Age Verification Checks client meets minimum age requirements. |
Checks for age compliance as part of KYC workflow. | |
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Source of Funds Collection Collects data on the origin of client funds. |
Source of funds documentation captured during onboarding. | |
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Real-time KYC Decision Gives instant pass/fail approval for KYC checks. |
Real-time identity/KYC decisions are marketed as a product differentiator. | |
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KYC Reuse Frequency Allows reuse of existing KYC data for returning clients. |
Allows KYC document/data re-use for returning clients. | |
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Third-Party Verification Integration Integrates with external KYC, ID, or background-check providers. |
Third-party KYC/AML vendor integrations prebuilt and supported. |
AML (Anti-Money Laundering) Screening
(11 Yes /11 Known /14 Possible features)
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Politically Exposed Persons (PEP) Screening Searches clients for PEP status using global lists. |
PEP (Politically Exposed Persons) screening is a standard onboarding security feature. | |
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Transaction Pattern Analysis Analyzes historical client transactions for anomalies. |
Product detects and analyzes client transaction patterns for AML risk. | |
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Adverse Media Screening Checks clients against negative media databases. |
Negative/adverse media checks are part of integrated AML suite. | |
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Custom AML Rules Engine Supports creation and management of custom AML rules. |
AML engine allows configuration of custom rules/workflows. | |
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Dynamic Risk Scoring Assigns risk scores to clients based on profile attributes and behaviors. |
Dynamic client risk scoring based on profile, supported in AML/KYC context. | |
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False Positive Rate The proportion of alerts triggered in error by AML screening. |
No information available | |
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Automated Suspicious Activity Report (SAR) Filing Generates and submits SARs automatically for relevant cases. |
Automatic generation and submission of suspicious activity reports is advertised. | |
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Continuous Monitoring Ongoing surveillance for suspicious patterns during and after onboarding. |
Continuous AML monitoring available, not just at onboarding. | |
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Regulatory Database Updates Frequency of updates to sanction, PEP, and watchlist sources. |
No information available | |
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Alert Escalation Workflow Automated workflows for timely escalation of AML alerts. |
Automated escalation workflows configurable and standard for AML/alerts. | |
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Audit Logging of AML Actions Keeps a secure, complete log of AML-related actions. |
Secure audit logging of all actions is required by financial regulation and documented. | |
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Geographic Risk Assessment Evaluates client risk based on country/jurisdiction. |
Geographical risk assessment tools integrated into AML checks. | |
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Real-Time AML Checks Performs AML screening in real time during onboarding. |
Real-time AML (and KYC) screening provided as per product overview. | |
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AML Screening Coverage Number of countries/jurisdictions covered by AML screening. |
No information available |
Documentation & Data Collection
(13 Yes /13 Known /14 Possible features)
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Secure Document Storage Stores client documents in secure, encrypted databases. |
Secure, encrypted document storage described as core feature. | |
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Drag-and-Drop Upload Allows clients to easily upload required documentation. |
Drag-and-drop upload available in digital onboarding portal. | |
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Document Format Support Accepts a wide range of file types and sizes. |
Multiple document formats and sizes supported for KYC/document upload. | |
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Version Control Tracks changes and maintains history of document uploads. |
Maintains version history of uploaded client documentation. | |
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Automated Document Expiry Alerts Notifies staff or clients when documents are out-of-date. |
Automated expiry notifications for documents supported. | |
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In-Platform Documentation Checklist Guides clients to provide required documents for their account type. |
In-platform lists and checklists for document tracking are available. | |
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Bulk Document Handling Processes multiple documents at once (e.g. corporate onboarding). |
Corporate and multi-entity onboarding includes bulk document handling. | |
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Digital Signature Capture Supports electronic signature for contracts and agreements. |
Standard digital signature capture workflows built in, with e-sign connector support. | |
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Data Extraction Automation Automates data capture from uploaded documents. |
Data extraction from documents is automated using OCR and related technology. | |
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Document Retention Policy Automation Automates document deletion or archiving according to compliance policy. |
Document retention and deletion/purge is configurable for compliance. | |
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Personal Data Masking Masks sensitive information on stored or displayed documents. |
Sensitive data masking/redaction applied to stored and displayed documents per compliance. | |
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Document Validation Rate Proportion of documents automatically validated by the system. |
No information available | |
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Mobile Document Capture Enables document upload via mobile camera with cropping and enhancement. |
Mobile document upload/capture with image enhancement offered in the mobile onboarding app. | |
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Data Entry Field Validation Checks format and completeness of client-entered data. |
Built-in field validation for data completeness in onboarding forms. |
Integration & APIs
(13 Yes /13 Known /14 Possible features)
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Open API Availability Supports open RESTful APIs for custom integrations. |
Open RESTful APIs and integration framework advertised. | |
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Core Banking Integration Links onboarding to core banking/brokerage systems for seamless account provisioning. |
Standard integration with core banking for instant account setup. | |
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Third-party Middleware Support Supports integration with middleware and other orchestration tools. |
Middleware and orchestration integrations supported and frequently implemented. | |
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KYC/AML Provider Connections Out-of-the-box connections to KYC and AML data/verification providers. |
Temenos offers pre-built connections to major KYC/AML data providers. | |
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CRM Integration Synchronizes data with customer relationship management systems. |
CRM integration is a highlighted use case. | |
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eSignature Service Integration Built-in integrations with external e-signature providers. |
Out-of-the-box integration with e-signature providers like DocuSign/Adobe Sign. | |
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Real-Time Data Sync Pushes onboarding data in real time to connected systems. |
Real-time sync of onboarding data to core and CRM via APIs. | |
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Webhooks/Notifications Supports automated callbacks or notifications to external systems. |
Webhooks/notification-based integrations supported. | |
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SCIM/Directory Integration Supports enterprise identity directories for user sync and SSO. |
Enterprise directory and SSO integration available, including SCIM. | |
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SSO/SAML Authentication Enables single sign-on for advisors and staff. |
SSO support for staff and advisors available via SAML/OAuth. | |
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Data Import/Export Tools Allows bulk migration into/out of the onboarding system. |
Bulk import/export tools included for migration and client data management. | |
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Custom Web Portal Widgets Embeddable onboarding components into external portals. |
Widgets/components can be embedded in external portals/websites. | |
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Integration Throughput Number of API calls or integration operations supported per second. |
No information available | |
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Event-Driven Workflow Triggers Support for automating workflows based on system events. |
Workflows and integrations can be triggered on events for third-party and internal processes. |
User Experience & Accessibility
(0 Yes /0 Known /14 Possible features)
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Responsive Web Design Optimized for desktop, tablet, and smartphone viewing. |
. | No information available |
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Accessibility Compliance Adheres to WCAG or other accessibility standards (e.g., screen reader support). |
. | No information available |
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Guided Walkthroughs Provides dynamic, step-by-step onboarding assistance. |
. | No information available |
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Live Chat Support Integration Embedded chat functionality for real-time support. |
. | No information available |
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Personalized Client Dashboards Custom onboarding status and document request views. |
. | No information available |
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Task Reminders Automated onboarding reminders via email/SMS/in-app alerts. |
. | No information available |
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Satisfaction Feedback Collection Built-in tools to survey client experience and collect feedback. |
. | No information available |
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Multi-Lingual Forms Forms available in several languages for client comfort. |
. | No information available |
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Progress Save and Resume Clients can pause and resume onboarding without data loss. |
. | No information available |
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Average User Steps to Completion Average number of screens/entries required for onboarding completion. |
. | No information available |
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Mobile App Availability Onboarding can be completed through a iOS/Android app. |
. | No information available |
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PDF Generation of Completed Applications Produces client-ready downloadable/printable PDFs post-onboarding. |
. | No information available |
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Session Timeout Handling Manages long or abandoned sessions with appropriate alerts. |
. | No information available |
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Dark Mode User interface supports dark/light visual themes. |
. | No information available |
Compliance & Regulation
(0 Yes /0 Known /14 Possible features)
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Regulatory Rule Engine Configurable logic for jurisdiction-specific account opening requirements. |
. | No information available |
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Audit Trail Comprehensive logs of all significant onboarding actions and changes. |
. | No information available |
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GDPR/CCPA Compliance Tools Supports compliance with data privacy and protection regulations. |
. | No information available |
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Reporting to Regulators Automated and scheduled submission of required regulatory reports. |
. | No information available |
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Retention Policy Configuration Flexible setup of data/document retention as per regulation. |
. | No information available |
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Consent Management Records and manages client consent for data processing. |
. | No information available |
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Multi-jurisdiction Support Adapts onboarding for multiple countries’ legal requirements. |
. | No information available |
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Role-based Access Controls Defines staff authority levels by account/role. |
. | No information available |
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Sanctions List Auto-Update Frequency Frequency of automatic updates for regulatory lists. |
. | No information available |
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Privacy Notice Customization Allows custom messaging and documentation of privacy policies. |
. | No information available |
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Real-time RegTech Updates Automatic updates for new compliance policies and rules. |
. | No information available |
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Encrypted Data Transmission All data transfer encrypted end-to-end. |
. | No information available |
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Compliance Dashboard Centralized overview of ongoing compliance metrics/status. |
. | No information available |
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Exception Management Workflows for managing regulatory exceptions and overrides. |
. | No information available |
Workflow & Process Automation
(0 Yes /0 Known /14 Possible features)
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Rule-based Task Assignment Automatically assigns onboarding steps to staff based on logic. |
. | No information available |
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Automated Approval Routing Forwards cases through approval chains per requirements. |
. | No information available |
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Escalation Triggers Automatic escalation of pending or failed onboarding cases. |
. | No information available |
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Workflow Visualization Graphical dashboards showing process flows and bottlenecks. |
. | No information available |
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Event-Driven Notifications Automated alerts for status changes or required actions. |
. | No information available |
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Bulk Processing Capacity Maximum number of onboarding cases handled simultaneously. |
. | No information available |
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Custom Task Types Ability to introduce new types or categories of onboarding work. |
. | No information available |
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Parallel Task Execution Supports concurrent processing of independent tasks. |
. | No information available |
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Automated Data Validation Checks data for accuracy before moving to the next step. |
. | No information available |
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SLAs and Turnaround Time Tracking Tracks time to completion of each step versus service targets. |
. | No information available |
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Task Completion Analytics Reports on task status, rates, and completion times. |
. | No information available |
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Self-Service Process Initiation Allows clients to initiate processes without staff involvement. |
. | No information available |
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Custom Process Templates Library of reusable workflow templates. |
. | No information available |
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Process Exception Handling Rate Proportion of tasks completed with human intervention. |
. | No information available |
Analytics, Reporting & Monitoring
(0 Yes /0 Known /14 Possible features)
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Real-time Reporting Instant access to live onboarding metrics. |
. | No information available |
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Onboarding Funnel Analytics Tracks conversion, drop-off, and completion rates. |
. | No information available |
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Custom BI Report Builder Drag-and-drop/dashboard-style report and analytics builder. |
. | No information available |
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Audit-Ready Logs Maintains audit logs for all major actions/events. |
. | No information available |
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Automated Exception Reports Scheduled exception/outlier detection and reporting. |
. | No information available |
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Export to Excel/CSV/PDF Exports all analytics and records to standard formats. |
. | No information available |
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Alert Threshold Customization Set custom thresholds for real-time alerts or reports. |
. | No information available |
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Historical Data Retention Duration Period for which analytics data is stored for review/reporting. |
. | No information available |
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Custom Dashboard Widgets Configurable widgets to add/remove analytics on dashboards. |
. | No information available |
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Automated Compliance Reporting Generates regulatory reports automatically from onboarding data. |
. | No information available |
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Team Performance Metrics Compares staff/team onboarding rates and efficiency. |
. | No information available |
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Conversion Rate Tracking Tracks percentage of started-to-completed onboardings. |
. | No information available |
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Time to Approval Measures average time from submission to approval. |
. | No information available |
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Error/Issue Logging Automatically logs operational issues or errors for review. |
. | No information available |
Security & Data Protection
(0 Yes /0 Known /14 Possible features)
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AES-256 Encryption Industry-standard encryption for data at rest and in transit. |
. | No information available |
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Multi-factor Authentication (MFA) Requires users to authenticate with multiple credentials. |
. | No information available |
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Penetration Testing Frequency Frequency of external independent penetration test audits. |
. | No information available |
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Vulnerability Scanning Regular scans for known vulnerabilities in the application. |
. | No information available |
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Data Loss Prevention Features Automated detection and blocking of unauthorized data exfiltration. |
. | No information available |
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SSO/OAuth Support Supports single sign-on and OAuth credentials. |
. | No information available |
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ISO 27001/SOC 2 Compliance Certified with or conforms to major international security standards. |
. | No information available |
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Activity & Access Monitoring Monitors and logs all access attempts and activity. |
. | No information available |
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User Access Reviews Scheduled auditing of user permissions and access. |
. | No information available |
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Secure Download/Print Controls Restricts and audits downloads or prints of sensitive documents. |
. | No information available |
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Field-level Data Encryption Sensitive fields (e.g., SSN, passport number) encrypted individually. |
. | No information available |
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Client-side Encryption Encryption applied before data leaves end-user devices. |
. | No information available |
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Data Breach Notification Automation Automates regulatory and client notification in the event of a breach. |
. | No information available |
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Secure Data Wipe Supports secure deletion of client data and documents. |
. | No information available |
Scalability & Performance
(0 Yes /0 Known /14 Possible features)
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Concurrent User Capacity Maximum number of users supported at once. |
. | No information available |
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System Uptime SLA Guaranteed percentage of system operational time. |
. | No information available |
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Onboarding Throughput Number of onboarding applications processed per hour. |
. | No information available |
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Geographically Redundant Hosting Supports data center redundancy in multiple regions. |
. | No information available |
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Automated Load Balancing Distributes workloads for high performance. |
. | No information available |
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Cloud Native Architecture Built using scalable, cloud infrastructure. |
. | No information available |
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Zero Downtime Maintenance Capability Upgrades and patches without taking platform offline. |
. | No information available |
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Performance Monitoring Dashboards Live metrics such as response time and error rates. |
. | No information available |
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Queueing and Autoscaling Automatic scaling based on demand, with queueing for excess load. |
. | No information available |
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Disaster Recovery RTO/RPO Maximum Recovery Time/Point Objectives after a disaster. |
. | No information available |
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API Rate Limiting Configurable limits for external integrations to maintain performance. |
. | No information available |
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Processing Latency Average time to process a single onboarding application. |
. | No information available |
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Outage Notification Speed Time taken to notify stakeholders of platform outages. |
. | No information available |
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Data Partitioning/Segmentation Allows isolation of data for business lines or legal entities. |
. | No information available |
Support, Maintenance & Vendor Management
(0 Yes /0 Known /14 Possible features)
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24/7 Client & Staff Support Around-the-clock vendor support for technical and procedural queries. |
. | No information available |
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Dedicated Account Manager Named relationship manager for the brokerage firm. |
. | No information available |
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Custom Implementation Services Availability of professional services for onboarding rollout. |
. | No information available |
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Online Knowledge Base Comprehensive self-help and learning materials. |
. | No information available |
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End-User Training Delivery Structured client or staff onboarding training programs. |
. | No information available |
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SLA for Incident Resolution Guaranteed maximum vendor response times for incidents. |
. | No information available |
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Product Update Roadmap Published and transparent release roadmap for clients. |
. | No information available |
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Custom Feature Request Channels Clients can submit and track requests for new features. |
. | No information available |
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Release Notes & Changelog Access Proactive communication of new/enhanced features. |
. | No information available |
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Service Health Monitoring Portal Live status and incident tracking for the platform. |
. | No information available |
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Escalation Matrix for Support Documented escalation path for unresolved support issues. |
. | No information available |
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Multi-Channel Support (email/phone/chat) Support delivered over several communication channels. |
. | No information available |
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Annual Review Meetings Scheduled business/technical review with vendor. |
. | No information available |
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Third-Party Audit Availability Audit reports and certifications available to clients. |
. | No information available |
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