A national bank had to modernise its core without closing for a day
A comprehensive digital transformation of core banking operations on Temenos T24, repositioning the bank as a digital-first institution while daily operations kept running.
The challenge
Sahara Bank runs on Temenos T24, and by the time we were engaged the platform around it had become the bottleneck. Integrations were slow to build and slower to change, data reached decision makers a day late, and every new obligation from the Libyan Central Bank meant another manual reconciliation. Three of those obligations were live at once: Basel III capital reporting, anti-money-laundering controls and the mandated move to Credit Bureau v1.20, with its expanded data model for loans, guarantees, collateral and litigation records. At the same time the bank wanted LyPay, the national digital payments platform, connected to its core so that customers could pay without leaving the bank's rails. None of this could interrupt a national bank's daily business, and all of it had to survive an audit.
What we built
We put a team of more than twenty-five specialists on the programme and sequenced it in four phases: scope and architecture, development and system integration testing, user acceptance and production go-live, then business-as-usual support. The technical spine was an Enterprise Command Center interface layer over T24, so that LyPay, the credit bureau and future platforms integrate through one governed surface rather than point-to-point patches. The credit bureau and LyPay streams were built concurrently and tested together. A data virtualisation layer gave management real-time views without another warehouse. Every integration went live alongside the system it replaced, and compliance evidence was produced as part of delivery rather than assembled afterwards. After go-live we stayed on quarterly health checks and BAU support through February 2025.
What remains
The bank now operates as a digital-first institution on the same core it started with. LyPay payments and national credit checks run through the T24 integration layer, processing overheads fell with performance tuning, and the regulator's data fields are mapped and reported automatically. What remains with the bank is the pattern, not just the code: one integration surface, evidence produced in the flow of delivery, and 99.9% uptime through a transition that the bank's customers never noticed.
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