Sibos came to Miami at the end of September with the usual mix of payments announcements, panel debate and corridor conversation. Temenos arrived with new research. The Banking Expectation Gap: Global Consumer Edition, produced by Celent and released at the show, surveyed more than 2,500 banking consumers across five regions and found that nearly three quarters of them are at best moderately satisfied with their main bank. The Fintech Times covered the report in a pre-event feature. At the show, we sat down on camera with two of the people shaping Temenos’s response to it.

The first interview is with Will Moroney, Chief Revenue Officer, on what the research means for banks and why AI has changed the argument for core modernisation. The second is with Mick Fennell, Business Line Director for Payments, who presented on agentic commerce and programmable money on the Sibos exhibitor stage and who has a memorable way of sorting the digital currencies banks are being asked to support. Both full-length conversations are embedded below.

The research set out to measure a gap Temenos had already seen in its own client base, between the service customers expect and the service they receive. The finding that surprised Moroney most was its size. Three quarters of respondents described themselves as moderately happy with their bank, a group Temenos has labelled the switchable middle.

“Banking customers have changed fundamentally in the way they interact with banks, especially the younger generations. Many are holding multiple relationships with different banks and they can switch quite easily.

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