KomerčníBanka与Temenos共同荣获Celent典范银行核心银行创新奖

Winner of the 2026 Celent Model Bank AwardforCore Banking Innovation This is an authorized reprint of aCelent report granted toTemenos. It was not sponsored Daniel MayoJune 11, 2026 For more information aboutCelent, visit www.celent.com Case Study at a Glance Komerční Banka(KB),a leading Czech bankwhich is part ofSociété Générale,modernizedfrom alegacy mainframe systemby deploying Temenos Coreto createa new,fully digitalizedplatform.The bank successfully migratedover 1.3million Celent Perspective While many banks have started down the path of digital transformation,onlyaveryfewestablishedlargebankshavefullycompletedthe transitionfromtheold world of KBnot onlyachieved this in a relatively short period,but it alsodeliveredmarket-leadingproductinnovation, including a true multi-currency account.To achievethisnew era of banking, KBtransformedon several levels at once: technology, client Delivering innovation while modernizing A standout element of KB+was its broader next-generation clientproposition, combining a modern mobile and online banking experience,simpler payment and card management, enhanced security controls, Agility andlarge-scale transformation KB has shifted its core operating model to Agile,streamlining its way ofworking from project-driven delivery to value-driven product management.The bank renewed both its core and its wider banking platform, while Transitioningfrom a traditionalto a digital bank KB shifted to a fully online 24/7/365 digital-first bank, enablingcustomerself-service andasignificant reduction in its branchnetworkand Detailed Description Introduction Komerční Banka(KB) is a leading Czechuniversalbank, providing a wide range ofservicesacrossretail,SME,corporate,and investment banking,primarily targetingthe Czech market,complemented by a range of specialized financial servicesproduced byitssubsidiaries orfrom its parent company’s,Société Générale (SG), The bank itselfdates to1990, created following the separation of commercialactivitiesfromthe former State Bank of Czechoslovakia,withthe bankpartiallyprivatizedin1992. TheCzech government’sremainingstake (60%) waspurchased bySGin2001, with KB part of SG Group since then.While the bank wasinitially stronger Opportunity KB’s first 30 years saw it establish a leading position across the Czech bankingmarket, however, the bank had developed and largely operated as a traditionalbank. While it had developed online and mobile banking capabilities for its The bank had room to further strengthen its level of digitalization and expand the useof digital channels in day-to-day client servicing. Client satisfaction had traditionallybeen strongly supported by the quality of relationship managers’ work, while digital Compounding this, the bank supported its operations with a complex mix of legacysystems, including a mainframe-based core banking system supported by manycustom-built satellite applications. This platform was not online 24/7, so payments This modernization opportunity became more important as the Czech bankingmarket continued to develop rapidly. Competition was strong across both retail andcorporate banking, and clients—especially younger segments—increasingly While KB had started responding to thisduring the late 2010swith its KBchange 2020plan,which had started a shift towardsAgileworking and digitization,theCOVID-19pandemic in 2020drove the requirement foraccelerated digitaltransformation.In which saw the bank look to transform significantly to address the new era of digital Objectives also included significantgoalsaround risk managementcredit decisionautomation,corporate social responsibility,creation ofsingle mortgage factory,and The majorpurposeof the transformation was to become a healthy and effective increase effectiveness of the organization, reach effective customer journeys,and Solution A centralelementof itstransition planwas a radicalapproach of creating anewdigital bank. This would beunderpinned by a modern banking platformandsupported bysimplified,digitized business processesto enable customer self-service. Once implemented, KB would then migrate its customersfrom its In 2020, KB selected Temenos Core as the new core banking system, as an enablerfor digitizing its business propositions and for offering personalized and flexibleproducts. A key factor in the decision was the rich retail banking functionality of The first release, delivered in under12months, included client onboarding, simpledeposits, and full integration with front-end channels.The new bank was design tobefully digital andmobile-first,enabling simplicity, speed and full client autonomy– Multi-CurrencyAccountInnovation Soonafter this initial launch,KB also co-developedwith TemenosandKB’s mainservices partner,LTM (formerlyLTI Mindtree),a new multi-currency accounttoprovide an enhanced value proposition for the Czech market.This features a master thesearecreated automaticallythrough an international card transaction orpayment