Masaref provides end-to-end Business Consultation and PMO services that support banks through every stage of their transformation journey. Our team combines deep Temenos expertise with real banking domain knowledge to help clients modernize operations, streamline processes and deliver successful digital programs.
Our Business Consultation Services
- Core Banking Process Optimization, covering customer onboarding, account management, lending, Islamic products, treasury, payments and branch operations.
- Digital Transformation Advisory, helping banks define roadmaps, prioritize initiatives and maximize the value of Temenos T24, Infinity and related platforms.
- Gap Analysis & Requirements Definition, ensuring each bank’s business needs are accurately reflected in system design and configuration.
- Regulatory & Compliance Alignment, including AML/CFT, Basel II/III, IFRS9, reporting and Central Bank requirements.
- Operating Model Review, focusing on improving efficiency, reducing manual work and increasing automation across departments.
- Change Management & Training, preparing users for new processes and ensuring smooth adoption of new systems.
PMO & Governance Services
- Full Project Management Office (PMO) Setup, including governance frameworks, RAID logs, KPIs, RACI models and delivery dashboards.
- Vendor & Stakeholder Management, ensuring clear communication and alignment across banks, vendors, auditors and regulators.
- Implementation Governance, covering Temenos projects, digital channel deployments, payment hub implementations and infrastructure upgrades.
- Quality Assurance & Risk Control, through structured monitoring, testing oversight and milestone tracking.
- Project Recovery & Acceleration, helping banks bring delayed, complex or stuck programs back on track.
- Post-Go-Live Stabilization, offering structured support to ensure system performance, user readiness and operational stability.
Why Banks Trust Masaref
- Strong track record delivering multi-million-dollar Temenos programs across MEA.
- Deep knowledge of Temenos T24 Transact (TAFC & TAFJ), Temenos Infinity (Temenos Digital), Temenos Payments, AA Lending (Conventional & Islamic) and Temenos FCM.
- Expertise in managing complex environments in Egypt, Libya, Yemen, Sudan, Djibouti, Tunisia, and the GCC.
- Structured methodologies that ensure on-time, on-budget delivery with clear governance.