New integration gives banks and credit unions easier access to digital payments, borrower engagement tools, and more efficient collection workflows
San Antonio, Texas, 2 September 2026 – The way banks and credit unions manage loan collections is changing as financial institutions look for faster, simpler, and more customer-friendly digital solutions. In a new development, fintech company SWIVEL has integrated its payment and engagement platform with Temenos Digital Collector, part of the Temenos Lifecycle Management Suite.
The integration is designed to help U.S. banks and credit unions manage borrower interactions and payments through a connected digital environment. Instead of relying on complicated custom integrations, financial institutions can use SWIVEL alongside Temenos Digital Collector, potentially reducing the time and resources needed to introduce new payment capabilities.
At the heart of the integration is a simple idea: make the repayment process easier for borrowers while helping financial institutions manage collections more efficiently.
SWIVEL provides payment options that include Apple Pay, debit cards, credit cards, and ACH. By bringing these capabilities into the Temenos Digital Collector environment, borrowers can have more convenient ways to make payments, while banks and credit unions can manage collection activities through an integrated workflow.
For financial institutions, this type of integration can also reduce the burden associated with connecting separate technology platforms. SWIVEL says its availability within Digital Collector can help customers activate the service without complex integration work, supporting faster deployment and potentially lowering development and operational costs.
The development comes as digital collections become an increasingly important part of modern banking. Traditional collection processes can involve manual work, repeated communications and systems that do not always work smoothly together. Newer approaches are focusing on automation, analytics and self-service tools that allow borrowers to take greater control of their repayment activities.
Temenos has highlighted the growing role of self-service collections, noting that digital tools can allow account holders to make payments, manage payment plans, schedule assistance and receive reminders. Such capabilities can also allow collection teams to focus more attention on complicated cases that require human support.
The SWIVEL integration reflects this broader shift toward technology that combines efficiency with a better borrower experience. Rather than treating collections only as a process of recovering overdue payments, financial institutions are increasingly looking at ways to make repayment interactions more convenient and personalized.
The partnership also strengthens the ecosystem around Temenos banking technology. Temenos uses a partner-based approach that allows financial institutions to add specialized capabilities to its broader banking platform. The company says its ecosystem helps banks and credit unions gain greater speed, choice and flexibility when introducing new digital services.
SWIVEL, a subsidiary of SWBC, currently serves more than 2,000 clients and focuses on integrated payment solutions for financial institutions and technology providers. Its platform is designed to support multiple payment channels while providing transaction risk controls and payment management capabilities.
The company was also named a finalist in the 2026 Banking Tech Awards USA in the Best PayTech Solution for Banks & FIs category, adding further attention to its work in digital payments and financial technology.
For banks and credit unions, the integration offers a practical example of how fintech partnerships can expand the capabilities of existing banking systems. As customers increasingly expect convenient digital experiences across every part of their financial lives, payment flexibility and easy-to-use collection tools are likely to remain important priorities.
The latest development between SWIVEL and Temenos therefore points to a wider transformation in financial services, where integrated platforms, digital payments, automation and borrower-focused experiences are becoming central to the future of loan collections.
