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Pakistan’s emerging retail bank taps Temenos and its regional partner Xpert Digital (XD) to offer an enhanced online retail banking experience.

Karachi, Pakistan – July 29, 2021 – Xpert Digital (XD), a certified Temenos Professional Service Partner in the Middle East, Africa and Pakistan, announces that Silkbank Pakistan has gone live with Temenos Infinity to revamp its internet banking, and offer innovative digital banking services to retail customers.

Silkbank implemented Temenos Infinity, the world’s #1 best-selling digital banking platform, to accelerate customer growth. Temenos Infinity gives Silkbank customers the ability to have seamless, reliable, easy-to-use, and secure internet banking services. The implementation is part of Silkbank’s commitment to offer a unified and superior omnichannel experience to its customers across all touchpoints and facilitate true, anytime-anywhere banking.

Javed Edhi

“We want customers to experience our world-class service, so we’re excited to use technologies like this that work seamlessly alongside our people, who genuinely care about doing the best for our customers. Our partnership with Temenos is already proving successful. Since going live, 40% of online customers have appreciated services on the new digital banking portal. In addition, adding Temenos Infinity to our existing Temenos Transact core banking platform means we can now create and continuously enhance our digital products with greater speed and agility. We’re thrilled with the success of the partnership so far and look forward to continuing to deliver a superior customer experience together.”

Javed Edhi

SEVP, Silkbank

Shazia Hammad

“Silkbank is a long-standing Temenos core banking customer. When Silkbank decided to select Temenos Infinity for their digital banking transformation, they needed an experienced, committed, and reliable services partner who understands digital banking challenges with proven Temenos Infinity implementation experience. Xpert Digital (XD), a certified Temenos Infinity partner based in the United Arab Emirates, was selected to help Silkbank implement the solution. XD’s proven Temenos knowledge, skilled team, and regional banking experience accelerated the deployment time and enhanced Silkbank’s digital customer experience. We at Xpert Digital (XD) are proud to be part of Silkbank’s digital transformation journey, and will continue to support Silkbank and Temenos Infinity customers globally and to offer a best-in-class digital experience to their customers.”

Shazia Hammad

CEO, Xpert Digital(XD)

Jean-Paul Mergeai

“Covid-19 has prompted a strong shift in the behavior of bank customers towards digital banking. While Pakistan is still heavily reliant on cash transactions, the trend indicates a promising future for digital financial services in the country. Silkbank is a pioneer of digital banking technology and, with Temenos Infinity, is well-positioned to capitalize on this growing opportunity. Silkbank can now take digital banking to the next level, making digital banking more human and offer the personalized experiences customers want from their banks.”

Jean-Paul Mergeai

President for APAC and MEA, Temenos


Temenos AG (SIX: TEMN) is the world’s leader in banking software. Over 3,000 banks across the globe, including 41 of the top 50 banks, rely on Temenos to process both the daily transactions and client interactions of more than 1.2 billion banking customers. Temenos offers cloud-native, cloud-agnostic and AI-driven front office, core banking, payments and fund administration software enabling banks to deliver frictionless, omnichannel customer experiences and gain operational excellence. At Xpert Temenos software is proven to enable its top-performing clients to achieve cost-income ratios of 26.8%, half the industry average, and returns on equity of 29%, three times the industry average. These clients also invest 51% of their IT budget on growth and innovation versus maintenance, which is double the industry average, proving the banks’ IT investment is adding tangible value to their business.

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Silkbank is a scheduled commercial bank listed on all stock exchanges in Pakistan with its Central Office located in Karachi. On September 15, 2001, under the supervision of SBP, the institution then known as Prudential Commercial Bank Limited was acquired by Saudi Pak Industrial and Agricultural Investment Company (Pvt.) Limited and renamed as Saudi Pak Commercial Bank Limited. On March 31, 2008, a Consortium comprising International Finance Corporation, Bank Muscat S.A.O.G, Nomura European Investment Limited, and Sinthos Capital Advisors (led by Mr.Shaukat Tarin and Mr. Sadeq Sayeed) acquired a majority stake in Saudi Pak Commercial Bank Limited, which was subsequently rebranded as Silkbank Limited on June 01, 2009.

With its head office in Karachi, Pakistan, the bank maintains a strong foothold in numerous locations around the country, with 111 branches in 39 cities, a presence that is only being enhanced by the bank’s determination to incorporate every new digital innovation into its day-to-day operations. The bank provides a comprehensive range of consumer, corporate and Islamic banking products and services and is listed on all of Pakistan’s stock exchanges.

Enjoying phenomenal growth in customer acquisition and a strong retail-banking arm, Silkbank was recognized by IBA and won the “International Bankers Award” for Best Innovation in Retail Banking in 2020.

We have completed a decade in the banking industry and continue in our commitment to Service Quality, bringing the most innovative banking products and services to our customers. Excellence in Service Quality remains at the core of our business philosophy, ensuring at the same time that our products and processes cater to the diversified financial needs of our valued customers.


Xpert Digital (XD) is a Certified Temenos Services Partner specializing in delivering exceptional digital experiences by creatively nurturing innovation with technology. With over 40 cumulative man-years experience transforming banks digitally, XD helps banks in achieving their business KPIs and scale their business by transforming the customer experience, digitizing customer journeys, and optimizing branch and internal business processes. With numerous successful implementations to our credit, XD’s track record stands out, telling a story of its own.

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