At Money20/20 USA 2025, Temenos Chief Product Officer Sairam Rangachari outlines what banks are asking for right now and where AI can make a real difference. As CPO, he leads product management, strategy, and execution at Temenos, a long-standing provider of core banking platforms used by banks worldwide.
Rangachari hears three priorities from banks again and again: reduce risk and complexity, rein in the spiralling cost of operations, and, most crucially, use the core banking stack to enable growth and innovation rather than hold it back.
On AI, Temenos cuts through the hype as banks are interested in practical, defensible use cases: stronger security, better fraud monitoring, and efficiency gains in compliance. On the customer side, they want AI that can power hyper-personalised experiences without adding risk.
Temenos also flags the macro trends shaping roadmaps: stablecoins are getting serious attention, real-time payments continue to gather momentum, and AI use cases are multiplying. But when you “peel back the onion,” Rangachari says what banks really want is innovation agility which is the ability to experiment, bring new ideas to customers quickly, and do it without heavy spend or added complexity. Personalisation and compliance efficiency sit at the heart of that agenda and AI looks promising on both fronts.
