Discover the power of Temenos APIs on the Temenos Banking Cloud.
Our Retail Banking Lending Service APIs provide banks with all the powerful, flexible functionality they need to create and manage loan accounts, including personal loans, business loans and mortgages. The APIs cover every major service operation, from loan creation, disbursements and repayments through to charge-offs, payment holidays and payoff.
Important: You’ll need credentials and a custom endpoint to use our Retail Banking Lending APIs with the Temenos Cloud Banking Sandbox. To get started, Register Your Interest.
Retail Banking Lending Service API Catalog
Explore the Retail Banking Lending Service API catalog by service operation. To help you understand how our APIs work together, each operation is organised into a typical workflow.
Tip: The workflows shown are entirely optional. Select from a wide range of Retail Banking Lending Service API endpoints to build workflows your way.
Loan Creation
Allows banks to create loan accounts for customers.
Consumer Loan Products
Retrieves the list of loan products for a loan product group/family.
Product Interest Info
Retrieves the principal and penalty interest for the loan product.
Commitment
Loan commitment is the agreement by the bank to lend the customer a specified sum of money.
Decrease Commitment
Decreases the commitment amount against any un-drawn principal of the loan.
Mandate
A mandate is the customer’s authorization for the bank to debit monthly payments from their account.
Settlement Instructions
Allows banks to change the existing settlement instructions for the customer’s loan account.
Change Settlement
Update the settlement instructions such as payin account or direct debit mandate of the customer loan.
Settlement Details
Retrieves the payin and payout settlement account details of the loan arrangement.
Joint holder
Allows banks to add or remove parties to a joint account.
Customer Roles
Retrieves all defined customer roles, such as Owner, Joint Owner or Guarantor.
Disbursement
Disbursement is the payment of money from a fund. Banks can disburse the loan amount, in whole or in part, to a customer's account.
Settlement Details
Retrieves the payin and payout settlement account details of the loan arrangement.
Loan Disbursement
Create Payment Order instruction for the transaction amount on a loan arrangement.
Repayments
Enables the customer to make partial or complete loan repayments.
Settlement Details
Retrieves the payin and payout settlement account details of the loan arrangement.
Loan Repayment
Creates Payment Order instructions for the transaction amount on a loan arrangement.
Repayment Date
Banks can change the loan repayment date and the frequency of repayments for the customer.
Payment Holiday
Payment holidays give customers a temporary break from regular loan repayments.
Tip: The following API workflow shows how to request a loan repayment holiday. Where the customer opts for a payment holiday for "n" number of months or weeks according to the repayment schedule, repayments are recalculated and the revised payment schedule is available for the customer immediately.
Charge-off
Allows banks to declare debt as a charge off when the customer fails to make a partial or full repayment beyond the defined grace period.
Partial Charge-off
Partial charge off of a debt owed by a customer on a consumer loan.
Write-off
Allows banks to write off some or all of the outstanding loan amount.
Payoff
Allows the customer to pay off the entire sum of the loan before its maturity date.
Settlement Details
Retrieves the payin and payout settlement account details of the loan arrangement.
PayOff
Allows to create Payment Order instruction for the transaction amount on a loan arrangement.