T24/Transact unique architecture that was designed based on the three layers concept, Core, Country Specific and Client Specific adding to that its open architecture where partners and customers can build their own Country Model and Client Specific layers, presented the opportunity for Prema Consulting to build the capability of building the Country Model Bank layer. Not only that, Prema Consulting has the capability of implementing all regulatory requirements and the model bank layer that comes from Temenos or any third party.