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Temenos vs Serrala Comparison (2026)

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Crowded logo

Crowded

4.2

Qonto logo

Qonto

4.5

SBS Core Banking logo

SBS Core Banking

3.8

Good recommendations?

Temenos logo

Temenos

Serrala logo

Serrala

Overview

Loan origination software helping lenders automate decisions, accelerate approvals, and improve borrower experiences.

Digitize, integrate, and automate your payment workflows, implement instant fraud checks and compliance screening, and enable real-time payments in a single global payment hub. Our SAP-embedded and cloud-native solutions enable real-time monitoring, execution, and approval of payments.

  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials
  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials

Video & Screenshots

No videos yet

Pricing

Starting from

Empty state illustration for "No pricing info"

No pricing info

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

Starting from

Empty state illustration for "No pricing info"

No pricing info

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

User reviews

4.4

69

5

4

3

2

1

38

26

3

0

2

  • Value for money
  • Ease of use
  • Features
  • Customer support
76%
would recommend this app

4.2

38

5

4

3

2

1

14

20

3

1

0

  • Value for money
  • Ease of use
  • Features
  • Customer support
66%
would recommend this app

Pros

“Transact is the best solution for Core Banking, and it can help save time when deploying products and exposing APIs.”
MT

Manh T.

Head of System Integration

“The tool has a number of menu options that helps in management of accounts from opening to closure.”
RC

Roberta C.

Human Resource Manager

“Highly scalable, secure and refined core banking system with global presence and industry recognition.”
HA

Haithem A.

CIO

Pros

Not enoughreviews yet

Cons

“some of the issues still not fixed across all the T24 releases, we still facing the daily STMT entries overwritten since R09 till R20”
AF

Ahmed F.

Core banking Manager

“Release notes of core update is not clarifying the issue clearly”
ME

Mona E.

Core Banking Application Manager

“Too many complicated framework need trainings”
MT

Manh T.

Head of System Integration

Cons

Not enoughreviews yet

  • Vendor responds to reviews
  • Last reviewa year ago
  • Vendor responds to reviews
  • Last review7 months ago

Key features

  • Total features145
  • ACH Payment Processing
  • AI
  • AP Automation
  • API
  • AR Automation
  • ATM Management
  • Access
  • Access Controls/Permissions
  • Account Sync
  • Accounting
  • Accounting Integration
  • Activity Dashboard
  • Activity Tracking
  • Alerts/Escalation
  • Alerts/Notifications
  • Amortization Schedule
  • Approvals
  • Artificial Intelligence
  • At Risk Customers
  • Audit Management
  • Audit Trail
  • Authentication
  • Auto Loans
  • Automated Banking
  • Automated Cash Operations
  • Automated Decisioning/Underwriting
  • Automatic Funds Distribution
  • Background Screening
  • Bank Account Management
  • Bank Reconciliation
  • Banking Connectivity
  • Batch Processing
  • Behavior Tracking
  • Behavioral Analytics
  • Benchmarking
  • Borrower Management
  • Breadth of Partner Applications
  • Budgeting/Forecasting
  • Business Loans
  • CPM
  • Capture
  • Case Management
  • Cash Application
  • Cash Balances
  • Cash Flow Management
  • Cash Management
  • Cash Operations
  • Cash Pooling
  • Cashflow
  • Chat/Messaging
  • Check/W-2 Printing
  • Client Management
  • Client Portal
  • Cloud-Based - Digital Banking Platforms
  • Collateral Tracking
  • Collections Automation
  • Collections Effectiveness
  • Communication Management
  • Compliance Control
  • Compliance Management
  • Compliance Tracking
  • Comply with Financial Regulations
  • Consolidation
  • Construction Loans
  • Contact Management
  • Core Banking
  • Corporate Banking
  • Credit Card Processing
  • Credit History
  • Credit Limit Suspension
  • Credit Limits
  • Credit Limits Adjustment
  • Credit Risk Management
  • Credit Union
  • Credits
  • Custom
  • Custom Reporting
  • Customer Accounts
  • Customer Credit
  • Customer Database
  • Customer Experience Management
  • Customer Management
  • Customer Profiles
  • Customizable Alerts
  • Customizable Branding
  • Customizable Reports
  • Customizable Templates
  • Customization
  • Dashboard
  • Data Capture and Transfer
  • Data Exchange
  • Data Extraction
  • Data Import
  • Data Import and Export Tools
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Transfer
  • Data Visualization
  • Debt Management
  • Debt and Investments
  • Derivative Valuation
  • Digital Invoices
  • Digital Wallet Payments
  • Direct Deposit
  • Disputed Transactions
  • Document Management
  • Document Templates
  • Due Dates
  • Duplicates
  • ERP
  • Electronic Payments
  • Electronic Signature
  • Electronic Statements
  • Encryption
  • Errors and Adjustments
  • Escrow Management
  • Esimated vs Actual Receipts
  • Expense Management
  • Expiring Contracts and Payments
  • FX and Trading Paltforms
  • File Exports
  • Filters
  • Financial Analysis
  • Financial Risk Reporting
  • Financial Statements
  • Financial Systems
  • Forecast Comparison
  • Forecast Types
  • Forecasting
  • Forward Looking
  • Fraud Detection
  • Generative AI
  • Historical Data
  • History
  • Identification
  • Identity Verification
  • In-Person Payments
  • Income and Expenses
  • Incomplete Payments
  • Integration
  • Integration with Credit Rating Agencies
  • Intercompany Lending
  • Interest Rate Risks
  • Internationalization
  • Inventory Pricing and Costing
  • Inventory Reporting
  • Inventory Tracking / Ordering
  • Investigation Management
  • Investment Banking
  • Investor Management
  • Invoice Customization
  • Invoice Processing
  • Invoices
  • Journal Entry Processing
  • KPIs
  • Lending Management
  • Lifecycle Management
  • Limit Control
  • Liquidity Analysis
  • Liquidity Management
  • Loan Management
  • Loan Origination
  • Loan Portfolio Management
  • Loan Processing
  • Manage Different Types of Risk
  • Management
  • Market Risk Management
  • Match Invoices
  • Match Invoices and Payments
  • Matching
  • Mobile Alerts
  • Mobile Payments
  • Monitor Cash Positions
  • Monitoring
  • Mortgages
  • Multi-Branch
  • Multi-Company
  • Multi-Currency
  • Multi-Entity / Consolidation
  • Multi-Language
  • Multichannel - Digital Banking Platforms
  • Multiple Payment Options
  • Offline Access
  • Offshore Management
  • Omnichannel
  • Online Applications
  • Online Banking
  • Online Payments
  • Open Banking - Digital Banking Platforms
  • Output Document Generation
  • Overpayments
  • PCI Compliance
  • PEP Screening
  • Partial Payments
  • Payment Collection
  • Payment Gateway Integration
  • Payment Management
  • Payment Processing
  • Payment Reminders
  • Payment Tracking
  • Payments
  • Payroll
  • Performance Management
  • Performance and Reliability
  • Portfolio Management
  • Post Audits
  • Predictive Analytics
  • Pricing Management
  • Private Banking
  • Purchase Order Management
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Notifications
  • Real-Time Reporting
  • Receipt Management
  • Recognition Rules
  • Reconciliations
  • Recoup
  • Recurring Invoices
  • Recurring/Subscription Billing
  • Reforecast
  • Reminders
  • Report Generation
  • Report Types
  • Reporting
  • Reporting & Statistics
  • Reporting and Dashboards
  • Reporting/Analytics
  • Reports
  • Repository
  • Retail Banking
  • Revenue Allocation
  • Revenue Types
  • Risk Analysis
  • Risk Management
  • Risk Positions and Scenarios
  • Risk Scoring
  • Role-Based Permissions
  • Rolling Forecasts
  • Rules-Based Workflow
  • SARs
  • SMS Messaging
  • Scaleability
  • Schedules
  • Scheduling
  • Scoring
  • Search/Filter
  • Secure Login
  • Securities Management
  • Self Service Portal
  • Single Sign On
  • Standard
  • Status
  • Status Tracking
  • Stress Tests
  • Support Chatbots
  • Task Management
  • Task Scheduling
  • Tax Calculation
  • Tax Compliance
  • Template Management
  • Templates
  • Third-Party Integrations
  • Time and Expense
  • Track Cash Flow
  • Transaction History
  • Transaction Management
  • Transaction Monitoring
  • Two-Factor Authentication
  • User Management
  • User, Role, and Access Management
  • Variance Analysis
  • Vendor Checks
  • Versioning
  • Watch List
  • Workflow Capability
  • Workflow Management
  • Workflows
  • eCommerce Integration
  • Total features153
  • ACH Payment Processing
  • AI
  • AP Automation
  • API
  • AR Automation
  • ATM Management
  • Access
  • Access Controls/Permissions
  • Account Sync
  • Accounting
  • Accounting Integration
  • Activity Dashboard
  • Activity Tracking
  • Alerts/Escalation
  • Alerts/Notifications
  • Amortization Schedule
  • Approvals
  • Artificial Intelligence
  • At Risk Customers
  • Audit Management
  • Audit Trail
  • Authentication
  • Auto Loans
  • Automated Banking
  • Automated Cash Operations
  • Automated Decisioning/Underwriting
  • Automatic Funds Distribution
  • Background Screening
  • Bank Account Management
  • Bank Reconciliation
  • Banking Connectivity
  • Batch Processing
  • Behavior Tracking
  • Behavioral Analytics
  • Benchmarking
  • Borrower Management
  • Breadth of Partner Applications
  • Budgeting/Forecasting
  • Business Loans
  • CPM
  • Capture
  • Case Management
  • Cash Application
  • Cash Balances
  • Cash Flow Management
  • Cash Management
  • Cash Operations
  • Cash Pooling
  • Cashflow
  • Chat/Messaging
  • Check/W-2 Printing
  • Client Management
  • Client Portal
  • Cloud-Based - Digital Banking Platforms
  • Collateral Tracking
  • Collections Automation
  • Collections Effectiveness
  • Communication Management
  • Compliance Control
  • Compliance Management
  • Compliance Tracking
  • Comply with Financial Regulations
  • Consolidation
  • Construction Loans
  • Contact Management
  • Core Banking
  • Corporate Banking
  • Credit Card Processing
  • Credit History
  • Credit Limit Suspension
  • Credit Limits
  • Credit Limits Adjustment
  • Credit Risk Management
  • Credit Union
  • Credits
  • Custom
  • Custom Reporting
  • Customer Accounts
  • Customer Credit
  • Customer Database
  • Customer Experience Management
  • Customer Management
  • Customer Profiles
  • Customizable Alerts
  • Customizable Branding
  • Customizable Reports
  • Customizable Templates
  • Customization
  • Dashboard
  • Data Capture and Transfer
  • Data Exchange
  • Data Extraction
  • Data Import
  • Data Import and Export Tools
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Transfer
  • Data Visualization
  • Debt Management
  • Debt and Investments
  • Derivative Valuation
  • Digital Invoices
  • Digital Wallet Payments
  • Direct Deposit
  • Disputed Transactions
  • Document Management
  • Document Templates
  • Due Dates
  • Duplicates
  • ERP
  • Electronic Payments
  • Electronic Signature
  • Electronic Statements
  • Encryption
  • Errors and Adjustments
  • Escrow Management
  • Esimated vs Actual Receipts
  • Expense Management
  • Expiring Contracts and Payments
  • FX and Trading Paltforms
  • File Exports
  • Filters
  • Financial Analysis
  • Financial Risk Reporting
  • Financial Statements
  • Financial Systems
  • Forecast Comparison
  • Forecast Types
  • Forecasting
  • Forward Looking
  • Fraud Detection
  • Generative AI
  • Historical Data
  • History
  • Identification
  • Identity Verification
  • In-Person Payments
  • Income and Expenses
  • Incomplete Payments
  • Integration
  • Integration with Credit Rating Agencies
  • Intercompany Lending
  • Interest Rate Risks
  • Internationalization
  • Inventory Pricing and Costing
  • Inventory Reporting
  • Inventory Tracking / Ordering
  • Investigation Management
  • Investment Banking
  • Investor Management
  • Invoice Customization
  • Invoice Processing
  • Invoices
  • Journal Entry Processing
  • KPIs
  • Lending Management
  • Lifecycle Management
  • Limit Control
  • Liquidity Analysis
  • Liquidity Management
  • Loan Management
  • Loan Origination
  • Loan Portfolio Management
  • Loan Processing
  • Manage Different Types of Risk
  • Management
  • Market Risk Management
  • Match Invoices
  • Match Invoices and Payments
  • Matching
  • Mobile Alerts
  • Mobile Payments
  • Monitor Cash Positions
  • Monitoring
  • Mortgages
  • Multi-Branch
  • Multi-Company
  • Multi-Currency
  • Multi-Entity / Consolidation
  • Multi-Language
  • Multichannel - Digital Banking Platforms
  • Multiple Payment Options
  • Offline Access
  • Offshore Management
  • Omnichannel
  • Online Applications
  • Online Banking
  • Online Payments
  • Open Banking - Digital Banking Platforms
  • Output Document Generation
  • Overpayments
  • PCI Compliance
  • PEP Screening
  • Partial Payments
  • Payment Collection
  • Payment Gateway Integration
  • Payment Management
  • Payment Processing
  • Payment Reminders
  • Payment Tracking
  • Payments
  • Payroll
  • Performance Management
  • Performance and Reliability
  • Portfolio Management
  • Post Audits
  • Predictive Analytics
  • Pricing Management
  • Private Banking
  • Purchase Order Management
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Notifications
  • Real-Time Reporting
  • Receipt Management
  • Recognition Rules
  • Reconciliations
  • Recoup
  • Recurring Invoices
  • Recurring/Subscription Billing
  • Reforecast
  • Reminders
  • Report Generation
  • Report Types
  • Reporting
  • Reporting & Statistics
  • Reporting and Dashboards
  • Reporting/Analytics
  • Reports
  • Repository
  • Retail Banking
  • Revenue Allocation
  • Revenue Types
  • Risk Analysis
  • Risk Management
  • Risk Positions and Scenarios
  • Risk Scoring
  • Role-Based Permissions
  • Rolling Forecasts
  • Rules-Based Workflow
  • SARs
  • SMS Messaging
  • Scaleability
  • Schedules
  • Scheduling
  • Scoring
  • Search/Filter
  • Secure Login
  • Securities Management
  • Self Service Portal
  • Single Sign On
  • Standard
  • Status
  • Status Tracking
  • Stress Tests
  • Support Chatbots
  • Task Management
  • Task Scheduling
  • Tax Calculation
  • Tax Compliance
  • Template Management
  • Templates
  • Third-Party Integrations
  • Time and Expense
  • Track Cash Flow
  • Transaction History
  • Transaction Management
  • Transaction Monitoring
  • Two-Factor Authentication
  • User Management
  • User, Role, and Access Management
  • Variance Analysis
  • Vendor Checks
  • Versioning
  • Watch List
  • Workflow Capability
  • Workflow Management
  • Workflows
  • eCommerce Integration

Integrations

  • Total integrations3
  • IFS Cloud ERP
  • Microsoft Power BI
  • NetSuite
  • Odoo
  • Plaid
  • SAP HANA Cloud
  • Sage 100
  • Sage 300
  • Sage Intacct
  • Squirrel
  • Tableau
  • TempWorks Software
  • Total integrations9
  • IFS Cloud ERP
  • Microsoft Power BI
  • NetSuite
  • Odoo
  • Plaid
  • SAP HANA Cloud
  • Sage 100
  • Sage 300
  • Sage Intacct
  • Squirrel
  • Tableau
  • TempWorks Software