Temenos T24 Experts in Germany
for reliable core banking delivery, matched in minutes with vetted freelance specialistsHire experts who configure core banking modules, develop Temenos Transact and T24 solutions, and support migrations, integrations and testing. FRATCH matches you quickly and precisely with vetted, available freelancers for your project.
Meet FRATCH Experts in Germany, who have recently used Temenos T24
Guido B.
Last position:
Self-employed Management Consultant and Interim Manager at BCTC Unternehmensberatung Guido Bäcker
Consulting, training and coaching in the financial sector on strategy, organization and IT topics
MorgenFund: Advising the operator of a fund platform on software selection for a sub-ledger "Cash Accounts" based on virtual IBANs (VIBAN)
Structuring requirements, market screening, preparing RfIs, communicating with vendors and conducting the selection process
UniCredit/HypoVereinsbank: Workstream Lead "Booking and Customer Reporting" in the payment transformation project "PULS"
Business analysis, preparing business requirements and coordinating the solution items as part of the functional specification with the bank's IT service providers
Business analysis of SEPA CT and SWIFT MX (.camt-, .pain- and .pacs- formats), change management, team leadership for a virtual team of fifteen line experts and stakeholder management
equensWorldline Germany: Program management for three projects of the SWIFT Service Bureau (CBPR+, ESMIG and Euro1Step1 migration) as part of the SWIFT MX migration
Managing individual project leads with regard to cross-project goals and requirements; reporting to internal and external committees and stakeholders; coordination with dependent projects and programs
Project management/PMO: Interim project management, deputizing for project leads, resource planning, budget and cost management, general PMO activities
Christian F.
Last position:
Department Head (Interim) at Municipal utilities and transport company
- Defined and established the areas of responsibility
- Built a governance model for the department and its areas of responsibility
- IT strategy, project management, process management, and quality and sustainability management
- Developed a communications strategy for the group
- Created the IT strategy
- Designed templates, guidelines, and processes for consistent ways of working
- Recorded strategic guidelines and grouped ongoing projects – derived a roadmap for strategic planning
- Reviewed ongoing projects
- Prepared staffing calculations and capacity planning
- Defined job profiles
Ali H.
Last position:
Senior Java Developer at Accenture
Client: UOB Bank
Projects: Web Server Management; Online Account Opening; Online Account Lending
Develop and support enterprise-grade backend services for banking/insurance workflows using Java 17 and Spring Boot.
Design REST APIs, platform integrations and backend services for customer onboarding, account workflows and lending journeys.
Modernize legacy services into scalable microservices while improving reliability, maintainability, CI/CD and production delivery.
Optimize PostgreSQL/MongoDB data access patterns and collaborate with Agile teams through reviews and technical guidance.
Environment: Java 17, Spring Boot, REST APIs, Microservices, PostgreSQL, MongoDB, Docker, Jenkins, GitLab, SonarQube, Agile
Avani K.
Last position:
IT Product Manager at KomunIKON
- Oversee delivery of three digital products: Text2Ikon (mobile app), Ludikon & Ikonometer (web apps), and a website relaunch, ensuring alignment with product goals and feature prioritization.
- Define product roadmaps, maintain sprint backlogs, and coordinate cross-functional teams (IT, Website, Graphics) to deliver features on schedule.
- Collaborate with stakeholders, including HR and founders, to translate business needs into product requirements and prioritize features.
- Implement milestone tracking and reporting to monitor product development progress and feature completion, increasing visibility and predictability.
- Develop onboarding and process documentation to accelerate team ramp-up and improve consistency in product delivery.
- Conduct risk assessments of internal workflows and cloud-based systems to ensure compliance with data security standards.
- Organize weekly global syncs, prepare MoMs, and follow up on key action items to ensure cross-team alignment on product goals.
Aravind S.
Last position:
AI – Data Specialist at Emirates Islamic Bank
- Architected and deployed LLM based AI agents, RAG pipelines, and vector search solutions for decision support across retail banking department.
- Developed and shipped robust AI pipelines with guardrails, error handling, monitoring, and fallback logic ensuring high reliability outcomes and compliance with data privacy.
- Developed and deployed ML models to identify transactional anomalies, improving fraud detection and risk assessment in high-volume datasets for credit risk modelling.
- Built, evaluated and fine-tuned ML models to generate propensity scores for customers used to drive personalized targeting campaigns for credit cards and personal finance/loan products.
- Developed an NLP pipeline using BERT embeddings and spaCy NER for SMS/email analysis and customer query logs.
- Trained machine learning models using Isolation Forest to classify user behaviour and detect anomalies.
- Extracted, cleaned, enriched and feature engineered datasets from different sources to build feature stores that powered ML model training.
- Led development of dashboards using Power BI, Grafana, and Prometheus to monitor model performances, KPI trends, and marketing metrics.
- Built multi-touch attribution models using logistic regression and time-decay weights to evaluate lead quality.
- Developed scalable ETL pipelines from CRM, T24, SAP, and ERP, supporting millions of monthly transactions.
- Integrated testing and CI/CD workflows for robust data pipeline deployment.
Funda T.
Last position:
Senior Business Consultant at Bethmann Bank AG
Ad-hoc support in settlement for derivatives
Settlement of ETD (futures & options), OTC (DTGs), give-up/take-up etc.
Position and account reconciliation
Coordination with trading, Eurex, UBS AG and asset management
New setup of classes for options and series
Support of the Securities & Operations unit for EMIR REFIT
Advisory for project management of EMIR REFIT and support for implementation
Communication and coordination with the software vendor to clarify business issues
Main responsibility for creating the test concept for go-live on 29.04.2024 (Phase I) and bug fixes/cleanup actions (Phase II)
Active support during go-live: creation of transaction, valuation and collateral reports; migration of the position report; defect management and bug fixing
Inventory of cleanup Phase II
Business test case creation for EMIR REFIT functionalities and coordination with IT teams and the business unit
Creation and updating of training documents and work instructions for OBS modules WPS and GDH
Felix M.
Last position:
Business Developer, Product Owner Support at VisualVest, digital asset manager (robo-advisor) of Union Investment
- Development of an innovative platform for topics and questions around next-generation investments as part of new business models
- Analysis of product ideas
- Coordination of new features with UX/UI (in Figma) and developers
- Creation of user stories in Jira: description/open topics/preconditions/requirements/error handling/audit log/UX/UI/technical hints/test scenario/acceptance criteria
- Conducting tests and documenting test results
- Creation and management of defects
- Coordination of sprint planning and backlog with product owner and Scrum Master
- Preparation of sprint review presentations
- Project implementation with Scaled Agile Framework (SAFe): stage planning in Conceptboard with Magic Estimations, feature/kanban board, sprint planning, functional refinement, sprint backlog, daily standups, sprint review, sprint retrospective
- Platform with the latest technological market standards: Angular (frontend framework), Jakarta EE, Matamo Tracking, Keycloak, movingimage
Discover over 15,000 top freelancers
Statistics of experts using Temenos T24
Aggregated from the professional profiles of matched freelancers.
Experience
19 years
Position duration
2.1 years
Positions per freelancer
18
Top business areas
Information Technology, Business Intelligence, Finance
Top industries
Banking and Finance, Information Technology, Professional Services
Certification focus areas
Information Technology, Product Development, Project Management
Bachelor's degree or higher
100%
Master's degree or higher
71%
Certifications per freelancer
1
Most common languages
German, English, French
Speak two or more languages
100%
Based on our profile pool as of 29 Oct 2026.
Daily rate distribution
The chart shows how the daily rates of experts in this technology in Germany are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows the share of experts charging within that range.
Average rates of experts in Germany using Temenos T24
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 29 Oct 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
Temenos T24 experts industry focus
See which industries our matched freelancers work in most often — every figure is calculated live from the freelancers on FRATCH.
- Banking and Finance (100%)
- Information Technology (86%)
- Professional Services (29%)
- Real Estate (29%)
- Education (14%)
- Food and Beverage (14%)
- Healthcare (14%)
- Manufacturing (14%)
Please note that freelancers can work across multiple industries, so percentages overlap.
About the technology
Core banking foundation
Temenos T24 is a core banking system used to manage customer accounts, deposits, lending, payments, trade finance and other financial operations. It is widely known as T24 and, in newer product positioning, as Temenos Transact. Banks use it as a central platform for transaction processing, product management and operational control.
Banking capabilities
T24 supports retail, commercial and private banking workflows through configurable modules and business rules. It can cover account opening, customer data, credit facilities, limits, interest, fees, settlements and reporting. Strong specialists connect these functions to the bank’s processes without compromising data quality or control.
Ecosystem and tooling
Professionals work across Temenos Transact, T24 application components, arrangement-based lending, payment services and integration layers. Relevant skills include jBASE, TAFC, TAFJ, Java, APIs, messaging, SQL, batch processing and release management. Knowledge of banking products and ISO 20022 can be essential when the system connects to modern payment infrastructure.
Typical delivery work
- Configure products, workflows, limits, fees and accounting rules
- Extend applications with routines, versions, enquiries and interfaces
- Integrate payments, channels, risk systems and data platforms
- Plan migrations, data mapping, reconciliation and cutover
- Test releases, investigate incidents and improve operational controls
In Germany, T24 specialists often support banks and financial institutions during platform modernization, regulatory change, payment integration and core replacement programmes. They may work with local teams on site or collaborate remotely across international delivery groups.
When to bring in experts
Freelance expertise helps when an internal team needs rare T24 knowledge for a migration, module rollout, performance issue or difficult production incident. It is also useful when a bank must connect T24 with digital channels, CRM, fraud controls, data warehouses or payment services while keeping business operations stable. Clear scope and access planning make remote collaboration effective.
What good looks like
Strong professionals understand both configuration and banking operations. They ask how products, accounting, customer journeys and controls should work before changing the system. Look for experience with the relevant T24 modules, release practices, integration patterns, test evidence and production support. The best specialists document decisions, protect data integrity and explain technical trade-offs clearly to business and IT stakeholders.
Frequently asked questions
Everything clients usually want to know about Temenos T24, in one place.
Temenos T24 is a core banking system for managing customers, accounts, deposits, lending, payments, trade finance and related financial operations. Companies use it as a central record and processing platform, connected to channels, risk tools and other banking systems.
T24 is the former and widely used name for the Temenos core banking product now marketed as Temenos Transact. The naming can vary by release, documentation and organisation, so a project brief should state the exact product version and modules involved.
A strong Temenos Transact specialist may also bring jBASE, TAFC or TAFJ, Java, SQL, API integration, messaging and batch-processing skills. Banking knowledge in payments, lending, accounting, data migration and ISO 20022 is often just as important as product configuration.
The right level depends on the scope, modules and delivery risk rather than a fixed number of years. T24 configuration for a defined product change may need a focused specialist, while a core migration or production recovery calls for broad delivery experience across design, testing, data and cutover.
Temenos T24 work can often be delivered remotely through secure environments, structured workshops and clear release processes. On-site collaboration may still help during discovery, cutover, incident response or stakeholder sessions, especially when teams are distributed across Germany and other locations.
Temenos Transact is usually compared with products such as Oracle FLEXCUBE and Finastra core banking solutions. The meaningful comparison depends on module coverage, configuration needs, integration architecture, migration complexity, local requirements and the bank’s existing operating model.
Ask which T24 modules and delivery stages they have handled, and request examples of configuration, integration, migration or production support work relevant to your scope. A capable T24 expert can explain dependencies, testing evidence, rollback plans and how business rules affect accounting and customer processes.
A high-quality Temenos T24 professional combines product knowledge with sound banking judgement. They protect data integrity, understand accounting impacts, document configuration, test realistic scenarios and communicate clearly with operations, compliance, business and IT teams.
The average hourly rate of freelancers in Germany who have used Temenos T24 in their recent projects is 109 €, which corresponds to a daily rate of about 872 € based on an 8-hour working day.
Of the freelancers in Germany who have used Temenos T24 in their recent projects, 100% hold at least a Bachelor's degree and 71% hold at least a Master's degree.
On average, freelancers in Germany who have used Temenos T24 in their recent projects have 19 years of professional experience, with a single engagement typically lasting around 2.1 years.
The most common languages among freelancers in Germany who have used Temenos T24 in their recent projects are German (100%), English (100%), and French (29%).
The most common industries among freelancers in Germany who have used Temenos T24 in their recent projects are Banking and Finance (100%), Information Technology (86%), and Professional Services (29%).
The most common business areas among freelancers in Germany who have used Temenos T24 in their recent projects are Information Technology (100%), Business Intelligence (71%), and Finance (71%).
Main locations of FRATCH Experts, who have recently used Temenos T24
Our freelancers and interim experts are at home across the DACH region — available on-site in the major business hubs or fully remote. Choose a location to discover matched specialists, local market insights and up-to-date availability.
Berlin Hamburg Munich Cologne Frankfurt Stuttgart Dusseldorf Leipzig Dortmund Essen Bremen Dresden Hanover Nuremberg Request a free demo
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Philipp Thomaschewski
FRATCH CEO
