Temenos T24 (Model Bank) Core banking Functional Training

By the end of this lesson, learners will be able to:

• Log in and log out of T24 securely

• Use the Help feature to get system assistance

• Identify and use various buttons and action icons

• Create, access, amend, and authorize records

• Understand the purpose and interpretation of audit records

By the end of this lesson, you will learn:

1. User Creation and Management

      Add new users to the T24 system

     Define login credentials, branch access, and group settings

2. Role & Profile Assignment

    Assign user roles like MAKER, CHECKER, SUPERVISOR, etc.

    Link to user profiles (defining menus, screen access, functional rights)

3. Permission & Access Control

   Control what modules, versions, and records a user can access

   Restrict or allow access based on user group profiles and record-level security

4. Branch and Company Access

   Define which branches, companies, and business days the user can work in

    Handle multi-entity access scenarios

5. Password Management.

By the end of this lesson, learners will be able to:

1. Understanding of Core Customer Data Structure

How customer records are organized in T24

The difference between individual, corporate, and joint customers

2. Customer Creation and Maintenance

Step-by-step process to create, view, amend, and authorize customer records

How to correctly fill out mandatory fields and use drop-downs/static tables

3. KYC and AML Compliance Knowledge

Capture of key Know Your Customer (KYC) and Anti-Money Laundering (AML) information

Assigning risk ratings, ID proof types, and compliance details

4. Use of Static Data Tables

Understanding and using supporting static tables like:

Country

Nationality

Sector

Customer segment

ID Type, etc.

Intro
“In this lecture, we’ll learn about the concept of a Customer in Temenos T24.
In core banking, a Customer is any individual or organisation that holds a relationship with the bank, such as an account, loan, or deposit.”

1. Importance of a Customer Record
“Before a customer can open an account or perform any transactions, their details must first be captured in T24.
This is done through the Customer Input screen (STDCIF version).”

2. Capturing Customer Details
“In the Customer Input screen, we enter essential information such as:

• Customer Name

• Date of Birth or Incorporation Date (for companies)

• Address and Contact Information

• National ID or Passport Number

• KYC details depending on the bank’s requirements

This data creates a Customer Record in T24.”

3. Unique Customer ID
“Once the details are validated and committed, T24 generates a unique Customer ID.
This ID becomes the reference point for all future transactions — whether it’s opening an account, applying for a loan, or making a transfer.”

4. Types of Customers
“In T24, Customers can be individuals, corporates, or special types such as joint customers.
Different product offerings may be linked depending on the customer category.”

1. What is an Account in T24?
“An account in T24 is a unique record that stores details about the type of product the customer is using, such as savings, checking, fixed deposit, or loan.
Every account is linked to a Customer ID, which means you cannot create an account without first creating a customer.”

2. Key Details in Account Setup
“When opening an account in Model Bank, you typically need to capture details such as:

• Customer ID (to link the account to the right customer)

• Product and Currency (for example: savings account in INR or USD)

• Account Officer (the staff managing the account)

• Limits, terms, or interest details (depending on the product type).”

3. Using Versions to Open Accounts
“In Model Bank, account creation is usually done using the Account Input version (for example: STDCUSAC or related versions depending on configuration).
Here, you input the required details, validate the data, and then commit it to generate a unique Account Number.”