Telenor Microfinance Bank drives Digital Growth with Systems Limited. Skip to main content

Telenor Microfinance Bank drives Digital Growth with Temenos & Systems Limited

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October 18, 2021

Temenos Transact core banking will enable fast product innovation and massive scalability and efficiency for Pakistan’s leading digital payments platform Easypaisa. ;

Telenor Microfinance Bank, the operator behind Easypaisa, Pakistan’s major digital payments platform, has successfully integrated Temenos' cutting-edge core banking platform. In collaboration with Systems Limited, a subsidiary of Systems Limited, the bank aims to supercharge its digital banking offerings, including digital savings accounts and micro-loans. This move not only accelerates innovation but also enhances controls for better compliance and operational excellence.  

Systems Limited partnered with Telenor Microfinance Bank as the integrator and implementation expert, leading the project to modernize the banking platform. They employed a hybrid agile approach, successfully delivering the project on time despite the challenges of COVID-19. Systems Limited understanding of the local market and migration practices ensured the bank's adherence to regulatory and market standards. 

Telenor Microfinance Bank sought scalability, automation, agility, and a reliable technology platform to provide personalized, customer-focused products, all while reducing operational costs and boosting returns on equity. The bank went live with Temenos Transact, the next-gen core banking solution, along with Temenos Financial Crime Mitigation (FCM), Temenos Advanced Collection (TAC), and Temenos Analytics and Reporting. This comprehensive setup ensures a seamless, secure, and straightforward digital experience for customers, driving sustainable growth.  


We have always remained true to our mission of transforming Pakistan into a cashless society through collaboration and technology. Our partnership with Systems Limited to implement Temenos solutions has added a vital component to our services infrastructure, which will catapult our move towards digitization. By going live on the platform, we can now fast-track our digital transformation journey and come up with more innovative digital financial solutions for our customers in a more efficient manner.

Core Banking System

M. Mudassar Aqil
CEO, Telenor Microfinance Bank/Easypaisa

Congratulations to Telenor Microfinance Bank on its digital banking transformation. Running on Temenos Transact, the bank has future-proved its technology infrastructure, gaining the agility, efficiency and product building capability to fulfil their customer demands for digital services faster and at lower cost. Temenos is seeing strong growth in the Pakistan market with many of the country’s leading banks now running on our platform. This local market expertise is a key advantage for our banking clients as they seek to innovate and grow.

Core Banking System

Jean-Paul Mergeai
President – International Sales, Temenos

We are proud of our partnership with Telenor Bank and believe that this transformation will be a game changer for the Bank in terms of enabling their digital capabilities. We look forward to supporting Telenor Bank’s vision and growth in the years to come.

Core Banking System

Global Industries GM Banking and Financial Services, Systems Limited

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Easypaisa, powered by Telenor Microfinance Bank is at the forefront of revolutionizing fintech in Pakistan by delivering innovative, cutting-edge technology solutions. We began our journey in 2005 by establishing a national footprint, with the launch of micro-lending programs. In 2009 we created history by launching the country’s first mobile banking service that has evolved to become the most used digital payments platform. Backed by the largest fintech in the world, Ant Group (affiliate company of Alibaba Group), and the leading multinational organization across Scandinavia and Asia, Telenor Group, we aim to promote financial inclusion by empowering all Pakistanis to adapt convenient and secure digital financial solutions. 

About Temenos 

Temenos AG (SIX: TEMN) is the world’s leader in banking software. Over 3,000 banks across the globe, including 41 of the top 50 banks, rely on Temenos to process both the daily transactions and client interactions of more than 1.2 billion banking customers. Temenos offers cloud-native, cloud-agnostic and AI-driven front office, core banking, payments and fund administration software enabling banks to deliver frictionless, omnichannel customer experiences and gain operational excellence.  

Temenos software has been proven to enable its top-performing clients to achieve cost-income ratios of 26.8%, half the industry average, and returns on equity of 29%, three times the industry average. These clients also invest 51% of their IT budget on growth and innovation versus maintenance, which is double the industry average, proving the banks’ IT investment is adding tangible value to their business. 

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