S & G Technology Services

What S & G Technology Services does

S & G Technology Services Ltd is a UK-registered (Companies House no. 8165885) boutique technology consultancy and subsidiary of Bulgaria-listed Sirma Group Holding, specialising in Temenos core banking and digital engagement platforms. Its offerings span three service lines — Consulting & Advisory (technology strategy, enterprise architecture, IT programme delivery), Technology Services (Temenos Transact and Temenos Infinity implementation, near-real-time asynchronous integration, channel-driven architecture, authentication and security), and Outsourcing & Development (middleware and backend development on Quantum Fabric and the Temenos Microservices Framework). The firm is differentiated by its proprietary Cloud Architecture Roadmap (CAR) service, a software-powered planning and sequencing tool for Temenos core banking cloud migrations.

The company serves major banking groups and financial institutions globally, with claimed delivery reach across Europe, North America and South America and a customer base anchored in large enterprise banks undertaking core modernisation, cloud migration and digital transformation. Since 2024 it has distributed services — notably CAR — through the Temenos Exchange marketplace following its appointment as a Temenos Exchange Service Provider, building on an approximate decade of collaboration with Temenos in which it has supported more than a dozen major Temenos product and feature rollouts. Delivery is provided by small teams of senior consultants (founder Fabrice Gouttebroze was previously senior management at Capgemini FS / Capgemini UK), with advisory support from ex-Temenos Global Expert Services lead Stephen Williams and Temenos Chief Enterprise Architect John Schlesinger as NED. Operations are split between a UK client-facing office in Surbiton and a main delivery office in Sofia, Bulgaria.

Revenue mechanics are pure professional services: customised consulting and implementation engagements sold via direct enterprise field sales and, increasingly, the Temenos channel. The company reported H1 2021 turnover growth of 46% and earnings growth of 81% versus H1 2019 with a 20.4% EBITDA margin; no absolute revenue figure has been disclosed. Customer concentration is narrow by segment (banks and financial institutions only) and the firm does not publicly disclose pricing, customer logos or headcount figures beyond an 11–50 employee band.

Name

S & G Technology Services

Legal name

S & G Technology Services Ltd

Website

https://sngservices.co.uk

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

S & G Technology Services is a UK-registered, Sirma Group-owned boutique consultancy delivering Temenos core banking and digital engagement implementations, system integration, and cloud migration services — including its proprietary Cloud Architecture Roadmap — to major banking groups and financial institutions worldwide via direct enterprise sales and the Temenos Exchange marketplace.

Ownership category

akta.pro rank

Product category

Banking IT Consulting and Core Banking Implementation Services

NAICS

Computer Systems Design Services (541512), Custom Computer Programming Services (541511)

SIC

Services-Computer Integrated Systems Design (7373), Services-Computer Programming Services (7371)

akta.pro primary industry

ITSM Platform Implementation & Administration (ServiceNow/JSM/BMC/etc.) (BPAEAJAC)

akta.pro secondary industry

ITSM Managed Services (Run/Operate/Optimize) (BPAEAJAN)

Keywords

• Banking IT consulting
• Core banking implementation
• Temenos integration services
• Cloud migration consulting
• Financial services system integration

Headquarters

HQ city

Surbiton

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Consulting & Advisory Services: Professional consulting services including technology strategy, enterprise architecture, software evaluation and selection, IT programme delivery, technology assessment, and organisational change management.
2. Temenos Implementation Services: Functional specification, gap analysis, solution design, local development, Q&A and testing, monitoring and support for Temenos Transact and Infinity platforms.
3. Technology Integration Services: System integration engagements, near real-time integration architecture, channel-driven architecture implementation, and authentication/security solutions.
4. Cloud Architecture Roadmap Service: Cloud migration service powered by proprietary software, available through Temenos Exchange as a Service Provider.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

S & G Technology Services is a banking technology consulting firm that delivers three service lines — Consulting & Advisory (technology strategy, enterprise architecture, IT programme delivery, organizational change management), Technology Services (Temenos Transact and Temenos Infinity implementation, system integration, channel-driven architecture, authentication and security), and Outsourcing & Development (software development using Quantum Fabric and Temenos Microservices Framework). Its flagship productized offering is the proprietary Cloud Architecture Roadmap (CAR) service, which provides dependency analysis and sequencing for Temenos core banking cloud migration, available through direct enterprise sales and via the Temenos Exchange marketplace.

Product overview

S & G Technology Services is a technology consulting company that helps banks adapt to a rapidly changing world through small to medium-high-value technology transformation initiatives. The company operates through three service lines: Consulting & Advisory (technology strategy, enterprise architecture, IT programme delivery), Technology Services (Temenos implementation and system integration), and Outsourcing & Development. Core offerings center on Temenos platforms including Temenos Transact for core banking and Temenos Infinity for digital engagement, supported by middleware and backend development using Quantum Fabric and Temenos Microservices Framework. The Cloud Architecture Roadmap (CAR) service, powered by a proprietary software product, provides cloud migration assessment and sequencing for Temenos customers. The company also offers expertise in near real-time integration, channel-driven architecture, authentication and security, and value-driven engagements with senior consultants.

Differentiator

Problem solved

Functional benefit

Products and services

• Consulting & Advisory Strategic consulting services covering technology strategy, enterprise architecture, software evaluation and selection, IT programme delivery, technology assessment and alignment with business goals, and organisational change management for banks and financial institutions.
• Technology Services Implementation and integration services for Temenos core banking solutions, including near real-time integration, channel-driven architecture, authentication and security solutions, and omni-channel banking implementations for financial institutions.
• Outsourcing & Development Software development and outsourcing services with expertise in middleware and backend development using Quantum Fabric and Temenos Microservices Framework, delivered to banking and financial services clients.
• Temenos Transact Implementation Services Full lifecycle professional services for the Temenos Transact (T24) core banking platform, including functional specification, gap analysis, solution design, local development, Q&A and testing, monitoring and support, delivered to banks and financial institutions.
• Temenos Infinity Implementation Services Implementation and expertise services for the Temenos Infinity digital engagement platform, including middleware and backend development using Quantum Fabric and Temenos Microservices Framework to enable smart, digital and customizable banking experiences.
• Cloud Architecture Roadmap (CAR) Service A proprietary software product-powered service that provides a secure, well-informed, and comprehensive foundation for Temenos core banking cloud migration, helping banks understand dependencies and optimal sequencing to reduce cost and risk and to anchor budget estimates. Available to Temenos customers through direct engagement and via the Temenos Exchange marketplace.

Quantifiable outcome

• 20.4% EBITDA margin in 2021
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

One partnership is on record.

• TemenoscoreStrategic or Co-development Partner · 1 June 2024S&G Technology Services signed up as a Temenos Exchange Service Provider in June 2024 to bring the Cloud Architecture Roadmap (CAR) service to a wider connected audience. This move confirms Temenos' support for S&G's commitment to technological advancement for cloud migration and technology for banks and financial institutions worldwide. The companies have worked together for almost a decade, with S&G adding innovative features to Temenos' portfolio and supporting key product rollouts.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Mambu: SaaS core banking platform with implementation partners serving challenger and incumbent banks. Relevant as an emerging alternative that could displace Temenos in certain deals, indirectly affecting S&G.
• Thought Machine: Cloud-native core banking platform vendor with its own professional services arm that competes for the same transformation budget as Temenos partners. A rising threat that could reshape S&G's core platform dependency.

Direct peers

• Capgemini Financial Services: Global SI with a large banking technology practice offering implementation, integration and managed services for core banking platforms including Temenos. Founder Fabrice Gouttebroze previously held senior roles at Capgemini Financial Services, making it a direct comparable in talent and customer profile.
• Sopra Banking Software: European banking software vendor and services provider offering core banking, digital channels and implementation services. Directly comparable as a continental-European specialist serving retail and corporate banks.
• Infosys (Finacle): Operates a competing core banking platform (Finacle) plus a sizable banking implementation/integration practice. Directly comparable as an IT services firm monetizing a banking software ecosystem through implementation and ongoing services.

Broad incumbents

• Accenture Financial Services: One of the largest global consulting and systems integration firms with a dedicated banking practice delivering Temenos, core modernization, and cloud migration engagements. Competes for the same enterprise banking transformation budgets as S&G.
• NTT Data Financial Services: Global IT services provider with a strong European banking presence delivering core banking, payments, and Temenos-related integration. Comparable in target customer profile and delivery model.
• Tata Consultancy Services (Banking): Global SI with a substantial banking and financial services practice offering Temenos and core banking implementation, BPO and managed services. Competes with S&G for mid-to-large bank transformation mandates.
• Wipro Financial Services: Large global SI with a dedicated banking practice covering core banking modernization, integration and managed services for retail and wholesale banks. Comparable buyer relationships and services portfolio.
• CGI Group (Banking): IT consulting and systems integration firm with a significant European banking practice covering core banking, digital channels and regulatory compliance. Comparable in scope of services and bank clientele.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about S & G Technology Services