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Cybersecurity · head to head

Microsoft Defender for Endpoint vs Temenos Transact

Microsoft Defender for Endpoint logo

Microsoft Defender for Endpoint

Cybersecurity

Enterprise endpoint security built into Microsoft 365

From
On request
Rated
-
Full reviewWebsite
Temenos Transact logo

Temenos Transact

APIs

Established core banking system used by banks in over a hundred countries

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Microsoft Defender for Endpoint pricing not published on public websites; quote required from Microsoft sales; Temenos Transact the codebase originates in the 1990s, so banks on older releases face major upgrade programmes to reach current versions, and many defer them for years.
  • They diverge on capability: Microsoft Defender for Endpoint covers Threat & vulnerability management, Temenos Transact covers Country model banks.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Microsoft Defender for Endpoint and Temenos Transact actually diverge.

Attributes where Microsoft Defender for Endpoint and Temenos Transact differ
AttributeMicrosoft Defender for EndpointTemenos Transact
PlatformsWindows, macOS, Linux, iOS, AndroidWeb, Linux, Windows, REST API
CategoryCybersecurityAPIs
Founded1975Unknown

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Microsoft Defender for Endpoint

  • Threat & vulnerability management
  • Attack surface reduction
  • Next-gen protection
  • EDR
  • Auto investigation
  • Microsoft Threat Experts
  • Threat analytics
  • Secure score

Only in Temenos Transact

  • Country model banks
  • Multi-product core
  • Payments processing
  • API layer
  • Accounting engine

Both cover

  • Cloud deployment

What people use each for

The jobs each tool is most often brought in to do.

Microsoft Defender for Endpoint

  • Enterprise endpoint security across Windows, macOS, Linux, Android, and iOS via Plans 1 or 2not Temenos Transact
  • Small and medium-sized businesses using Microsoft Defender for Business as alternativenot Temenos Transact
  • Organisations using Microsoft 365 E5 which includes Defender for Endpoint Plan 2not Temenos Transact

Temenos Transact

  • A bank in an emerging market needing local regulatory compliance without building it from scratchnot Microsoft Defender for Endpoint
  • An institution running Islamic banking products alongside conventional ones on one corenot Microsoft Defender for Endpoint
  • A bank that needs a large pool of experienced implementation consultants to de-risk a migrationnot Microsoft Defender for Endpoint
  • A group standardising subsidiaries in several countries onto one core banking systemnot Microsoft Defender for Endpoint

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Microsoft Defender for Endpoint

  • Pricing not published on public websites; quote required from Microsoft sales
  • Defender for Endpoint Plan 1 and Plan 2 do not include server licenses; additional licensing required for server protection
  • Specific feature differences between Plan 1 and Plan 2 require consulting Microsoft documentation

Temenos Transact

  • The codebase originates in the 1990s, so banks on older releases face major upgrade programmes to reach current versions, and many defer them for years.
  • Total cost is dominated by implementation partner fees rather than licence, and those programmes routinely overrun their original estimates.
  • Product changes that cloud-native cores treat as configuration can require development work and a release cycle, which slows time to market for new products.
  • Heavy customisation is common and it makes every subsequent upgrade harder, creating a compounding cost that banks feel a decade after go-live.
  • Temenos has repeatedly restructured its product line and naming, so buyers must check carefully which components a proposal actually includes and which are separately licensed.

Pricing, plan by plan

Microsoft Defender for Endpoint

On request

No published plan breakdown. See the Microsoft Defender for Endpoint review.

Temenos Transact

On request
  • Temenos Transact$undefined/year
    • Perpetual or subscription licence scaled by assets, accounts or users
    • Annual maintenance typically a percentage of licence value
    • Implementation delivered by partners and charged separately

Which should you pick?

Choose Microsoft Defender for Endpoint if

  • You need threat & vulnerability management.
  • You work on Windows, macOS, Linux, iOS, Android.
  • You also want attack surface reduction.
Microsoft Defender for Endpoint review

Choose Temenos Transact if

  • You need country model banks.
  • You work on Web, Linux, Windows, REST API.
  • You also want multi-product core.
Temenos Transact review

Questions people ask

Is Microsoft Defender for Endpoint or Temenos Transact better?
Neither clearly leads. Microsoft Defender for Endpoint starts at On request and Temenos Transact at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Microsoft Defender for Endpoint or Temenos Transact?
Microsoft Defender for Endpoint starts at On request and Temenos Transact at On request.
Does Microsoft Defender for Endpoint or Temenos Transact run on more platforms?
Microsoft Defender for Endpoint runs on Windows, macOS, Linux, iOS, Android. Temenos Transact runs on Web, Linux, Windows, REST API.
What is Microsoft Defender for Endpoint best used for?
Microsoft Defender for Endpoint is most often used for enterprise endpoint security across windows, macos, linux, android, and ios via plans 1 or 2, small and medium-sized businesses using microsoft defender for business as alternative, organisations using microsoft 365 e5 which includes defender for endpoint plan 2. Of those, enterprise endpoint security across windows, macos, linux, android, and ios via plans 1 or 2 and small and medium-sized businesses using microsoft defender for business as alternative are not what Temenos Transact is typically brought in for.
What can Microsoft Defender for Endpoint do that Temenos Transact cannot?
Microsoft Defender for Endpoint covers Threat & vulnerability management, Attack surface reduction, Next-gen protection, EDR. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer. Both handle Cloud deployment.

Answered from the vendors’ own pages

Microsoft Defender for Endpoint: How is Microsoft Defender for Endpoint priced?

Defender for Endpoint is bundled into Microsoft 365 enterprise subscriptions. Plan 1 is included in Microsoft 365 E3, and Plan 2 is included in Microsoft 365 E5. Individual pricing is not published separately.

Source
Temenos Transact: Is Transact the same as T24?

Yes. T24 was renamed Temenos Transact; older installations and much of the consultant population still use the T24 name.

Microsoft Defender for Endpoint: Does Microsoft Defender for Endpoint offer a trial?

Yes. A free trial is available for prospective customers to test the product before committing to a subscription.

Source
Temenos Transact: Can it run in the cloud?

Yes, it is offered on public cloud, though many existing installations remain on-premises and moving them is a project.

Microsoft Defender for Endpoint: What is the difference between Plan 1 and Plan 2?

Plan 1 (in E3) includes unified security tools, device controls, network protection, firewall, web/URL controls, APIs, SIEM connectors, and app controls. Plan 2 (in E5) adds endpoint detection and response, deception techniques, automatic attack disruption, exposure management, and threat intelligence.

Source
Temenos Transact: What drives the cost?

Licence scaled by size, annual maintenance as a percentage of licence, and implementation partner fees that usually exceed the software cost.

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