A radically changed banking system from Temenos offers the same functionality as Globus but on a state-of-the-art technology platform. The result of three years of development effort and more than $24m of investment, the solution, T24, is highly innovative in that it removes the need for batch end-of-day processing, allowing independent close-of-business processes in a multi-country environment. Using a browser front end, web services, an open development environment and an enterprise console to monitor and analyse system performance, the new T24 offers the next generation of core banking systems to existing (as an upgrade) and new customers.