The days of requiring technical specialists to build a new banking product could be numbered. 

Digital banking service provider Temenos plans to launch a product manager tool within its Temenos Copilot for Core platform before yearend, allowing non-technical bank employees to create and deploy products using natural language, Sai Rangachari, chief product officer at Temenos, told FinAi News.

A banker could type “build me an overdraft protection product” and the system would analyze customer data, apply jurisdiction rules, draft the product configuration and hold it for human approval before going live, he said. 

The tool is the latest addition to Temenos’ Copilot for Core platform, which helps banks modernize core infrastructure, including COBOL upgrades, he said. 

The product manager solution can shorten product development from several days to a day or two, Rangachari said. 

Rangachari framed Copilot for Core as a fundamental shift in how users interact with core banking software — replacing navigation-heavy dashboards with a single prompt-driven interface.  

“We believe Copilot is the new UX strategy,” he said. 

Temenos is targeting a 50% reduction in core banking implementation and modernization timelines, Rangachari said. 

Empowering bankers to code 

There are a growing number of developer tools available to bankers, shrinking dependence on engineers and implementation consultants. 

Alkami Code Studio, for example, is built on a combination of proprietary large language models and AWS Bedrock and trained on Alkami’s historical codebase. 

This tool lets developers — including non-technical staff — to generate production-ready code through natural language prompts, Deep Varma, chief technology officer at Alkami, previously told FinAi News. 

“Instead of hiring 10 engineers, you’re going to hire five engineers,” Varma said. “Your engineer will go there and say, ‘I want to do this specific customization’ and the platform generates the code.” 

Alkami positioned the tool to lower the development barrier for institutions that lack large engineering teams, extending SDK-based customization to a broader set of clients that historically had not leveraged it, he said, adding that the code studio can make every banker into a developer. 

The throughline across both Temenos and Alkami is the same: The bottleneck in banking innovation is rarely caused by the technology, but the specialists required to operate it.  

As natural language interfaces mature, that bottleneck is beginning to move. 

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