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APIs · head to head

Temenos Transact vs Zscaler Internet Access

Temenos Transact logo

Temenos Transact

APIs

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

From
On request
Rated
-
Full reviewWebsite
Zscaler Internet Access logo

Zscaler Internet Access

Cybersecurity

Secure cloud-native internet and SaaS access

From
$100/year
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Zscaler Internet Access the pricing page names two base tiers, Essentials Platform and Zscaler Platform, plus modular add ons including three Digital Experience Monitoring tiers, but publishes no dollar figures anywhere and routes buyers to a demo request for cost
  • They diverge on capability: Temenos Transact covers Country model banks, Zscaler Internet Access covers Secure web gateway.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Temenos Transact and Zscaler Internet Access actually diverge.

Attributes where Temenos Transact and Zscaler Internet Access differ
AttributeTemenos TransactZscaler Internet Access
Starting priceOn request$100/year
Pricing modelquotesubscription
PlatformsWeb, Linux, Windows, REST APIWeb, Desktop, Mobile
CategoryAPIsCybersecurity
FoundedUnknown2007

Identical on both: 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 Temenos Transact

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

Only in Zscaler Internet Access

  • Secure web gateway
  • Cloud firewall
  • URL filtering
  • Advanced threat protection
  • Data loss prevention
  • Cloud sandbox
  • Browser isolation
  • CASB

Both cover

  • Cloud deployment

What people use each for

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

Temenos Transact

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

Zscaler Internet Access

  • Cloud Securitynot Temenos Transact
  • Zero Trustnot Temenos Transact
  • Web Securitynot Temenos Transact

Where each one falls short

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

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.

Zscaler Internet Access

  • The pricing page names two base tiers, Essentials Platform and Zscaler Platform, plus modular add ons including three Digital Experience Monitoring tiers, but publishes no dollar figures anywhere and routes buyers to a demo request for cost

Pricing, plan by plan

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

Zscaler Internet Access

$100/year
  • ZIA Business$100/year
    • Web security
    • URL filtering
    • Cloud firewall
  • ZIA Transformation$200/year
    • All Business features
    • Advanced threat protection
    • Cloud sandbox
  • ZIA Unlimited$350/year
    • All Transformation features
    • Cloud browser isolation
    • CASB

Which should you pick?

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

Choose Zscaler Internet Access if

  • You need secure web gateway.
  • You work on Web, Desktop, Mobile.
  • You also want cloud firewall.
Zscaler Internet Access review

Questions people ask

Is Temenos Transact or Zscaler Internet Access better?
Neither clearly leads. Temenos Transact starts at On request and Zscaler Internet Access at $100/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Temenos Transact or Zscaler Internet Access?
Temenos Transact starts at On request and Zscaler Internet Access at $100/year.
Does Temenos Transact or Zscaler Internet Access run on more platforms?
Temenos Transact runs on Web, Linux, Windows, REST API. Zscaler Internet Access runs on Web, Desktop, Mobile.
What is Temenos Transact best used for?
Temenos Transact is most often used for a bank in an emerging market needing local regulatory compliance without building it from scratch, an institution running islamic banking products alongside conventional ones on one core, a bank that needs a large pool of experienced implementation consultants to de-risk a migration, a group standardising subsidiaries in several countries onto one core banking system. Of those, a bank in an emerging market needing local regulatory compliance without building it from scratch and an institution running islamic banking products alongside conventional ones on one core are not what Zscaler Internet Access is typically brought in for.
What can Temenos Transact do that Zscaler Internet Access cannot?
Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer. Zscaler Internet Access covers Secure web gateway, Cloud firewall, URL filtering, Advanced threat protection. Both handle Cloud deployment.

Answered from the vendors’ own pages

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.

Zscaler Internet Access: How many pricing tiers does Zscaler Internet Access offer?

Zscaler Internet Access offers two main platform bundles: the Essentials Platform (entry-level) and the Zscaler Platform (comprehensive). Specific pricing is not published online.

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.

Zscaler Internet Access: Are there optional add-on modules available?

Yes. Zscaler offers extensive optional capabilities in five categories including Inline Cyberthreat Protection, Private Access enhancements, Data Security, Security Operations, and Zero Trust Branch.

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.

Zscaler Internet Access: How is Zscaler Zero Trust Branch priced?

Zero Trust Branch is sized by encrypted throughput (200 Mbps to 10 Gbps) or endpoint count (200 to 5,000 endpoints), with pricing varying by configuration.

Source
Zscaler Internet Access: How do I get Zscaler pricing?

Zscaler does not publish pricing online. You must request a demo or contact their sales team to receive a pricing quote.

Source
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