Financial Services

Change how your customers experience banking and insurance

• Banking

  • Retail banking

    Bring more flexibility and efficiency to your core banking operations, from new customer onboarding and loan origination to payments, lending, and collections. Eliminate manual activities to cut costs and risk.

  • Oracle Banking Cloud Services

    Leverage componentized and composable services that deliver preintegrated, SaaS-based, cloud native versions of Oracle's industry-leading banking solutions on Oracle Cloud Infrastructure.

  • Corporate banking

    Better position your corporate customers to manage global operations. Deliver compelling solutions for corporate credit and lending, cash and liquidity management, treasury management, trade finance, and supply chain finance.

  • Oracle FLEXCUBE

    Offer more new products and spend less with Oracle’s banking software—a core platform that’s designed to work off the shelf. Implement a single system and get comprehensive capabilities across all banking functions.

• Payments

  • Oracle Banking Payments (PDF)

    Increase straight-through processing and lower your cost per payment with a single hub for processing and settlement. Use our built-in rules engine to automate complex processing and choose the best route for domestic and cross-border transactions or specify your desired payment network.

  • Payments transformation (PDF)

    Build your own partner ecosystem and offer new services that set your institution apart. From ERP integration to Siri and Alexa payments, tap into a library of more than 1,800 APIs built for Oracle’s banking suite.

  • Payment innovation (1:33)

    Give your customers real-time views of their cash positions and payment status with rich analytics made possible by using SWIFT ISO 20022 as the open payments standard in our digital payments solution.

  Resources

  • Close the loop with real-time payments
  • Datasheet: Explore SWIFT gpi-based payments (PDF)
• Insurance

  • Health insurance

    Deliver a great experience for members. Simplify enrollments, premium billing, and claims adjudication with a digital insurance platform. Administer and automate new provider contract models so your members benefit from lower costs and a higher quality of care.

  • Life insurance

    Consolidate underwriting, policy processing, billing, and claims for individual and group insurance, all on a single insurance management system. Streamline operations to reduce operational costs, and gain flexibility to adapt quickly to changing business needs.

  • Bancassurance

    Easily support the entire bancassurance lifecycle with real-time connectivity between banks and insurers to accelerate every step of the process, from the point of sale to policy servicing and commission reconciliation.

  • Insurance customer experience

    Automate processes and deliver tailored policyholder responses while balancing self-service and assisted customer service models on a digital insurance platform. Allow customers to buy insurance and receive service when and where they need it.

• Risk and finance

  • Finance modernization

    Revitalize finance transformation and profitable growth for banks and insurers with the latest insights in data science and technology.

  • Data solutions

    Deploy financial services analytics to improve data access and usage across risk, finance, treasury, compliance, and line-of-business teams with a single source of truth.

  • Profitability and balance sheet management

    Price products to reflect their true risk. Track profitability trends and cost structures and analyze customer profitability in real time. Better understand the drivers of liquidity, capital adequacy, and market rate volatility.

  • Risk management solutions

    Plan timely responses with integrated risk management across the organization. Evaluate drivers of credit, market, and liquidity risk. Manage key risk indicators and their related impact.

  • Regulatory and accounting solutions

    Be prepared with automated, accurate financial and regulatory reporting. Integrate data, models, systems, and processes across risk and finance.

  • Accounting Data Foundation

    Streamline your financial institution’s current accounting processes and reconcile the general ledger with instrument or policy ledgers by providing the accounting platform with detailed event-, transaction-, and instrument-level data from core banking and insurance systems.

  • IFRS 17/LDTI solutions

    Accelerate your path to compliance with prebuilt data, modeling, and reporting tools. Choose an approach that effectively implements risk-aware accounting.

  • ERP solutions

    Model and plan across finance, treasury, and planning teams from a single instance of data to streamline the financial close process and drive better decisions. Use machine learning to automate reconciliation and flag anomalies for human review.

  • Cloud solutions

    Get high performance, elastic computing power for enterprise applications by combining Oracle's autonomous services, built-in security, and serverless compute.

  Resources

  • Manage performance and risk with centralized data-driven insights
  • Business brief: IDC’s Global Modernization of Finance Survey (PDF)
  • Building resiliency in financial services
• Financial crime and compliance

  • Customer due diligence

    Identify money launderers and comply with customer due diligence and Know Your Customer (KYC) regulations throughout the customer lifecycle with our anti–money laundering (AML) software. Quickly and accurately assess risk and compare customers to global sanctions and watchlists. Onboard good customers quickly and seamlessly.

  • Transaction monitoring

    Identify unusual customer behavior and suspicious money movements. Our anti–money laundering solutions have advanced analytics and scenarios built and proven for the financial services industry.

  • AML investigation

    Use AI-powered, institutionwide investigation and case management to uncover criminal networks. Spend more time investigating truly suspicious activities instead of sifting through false positives.

  • Oracle Financial Services Data Foundation

    Unite previously siloed internal data for a complete customer view and lower costs. Run applications on your data lake and relational databases together, and perform batch and real-time analytics.

  • Oracle Financial Services Compliance Agent (PDF)

    Measure transaction monitoring system performance along specific dimensions to discover opportunities and gaps. Optimize performance and support business decisions with empirical evidence using Oracle Financial Services Compliance Agent, an AI-powered SaaS experimentation platform.

  Resources

  • Protect against money laundering and more easily achieve compliance
  • Financial crime and compliance solutions (PDF)
• Revenue management and billing

  • Financial services—banking

    We help corporate banking, retail banking, and other financial services players compete and thrive in an ever-changing world with end-to-end pricing and billing solutions.

  • Healthcare payers

    Our enterprise pricing and billing system provides transparency, efficiency, consolidation capabilities, and scalability to serve all a payer’s lines of business.

  • Payments enterprises

    We help cut through complexity and unlock growth potential for payments enterprises with an integrated pricing and billing platform that delivers a single source of truth.

  Resources

  • Capitalize on every revenue opportunity in your book of business
• Customer acquisition and experience

  • Customer experience solutions in action

    Make every customer interaction matter by connecting all your business data across advertising, marketing, sales, commerce, and service while complying with all financial industry standards and regulations.

  • Oracle Marketing

    Link customer behaviors, transactions, and demographics across marketing, sales, service, and your back-office applications to create the next great experience.

  • Digital banking experiences

    Build the digital experiences your retail customers will come back for and your corporate customers demand. Empower customers to transact and discover new products in their preferred channels.

  • Oracle Service

    Balance self-service and assisted customer service that solves problems faster and builds meaningful relationships on your customers’ preferred interaction channels.

• Human capital management

  • Oracle Human Resources

    Plan, manage, and optimize your people processes with one common data source. Build global consistency at every stage of the employee lifecycle while configuring workflows to meet your needs and localizing user interfaces.

  • Oracle Journeys

    Adapt your HR practices to a new generation of team members. Deliver an experience that’s personalized, contextual, guided, and accessible from anywhere. From their first day on the job, give your people a single location where they can find answers and grow their careers.

  • Oracle Recruiting

    Create simple, friendly experiences for candidates to apply for jobs. Use AI-guided digital assistants to instantly answer their questions. Identify the best-fit talent with automatic recommendations of those candidates whose profiles match both the job requisition and the profiles of successful employees in similar roles.

  • Oracle Fusion Cloud HCM

    Financial institutions have diverse human resources needs across regional and global workforces. Centralize HR operations across the business with a single source of truth, making it easier to take a consistent approach to your workforce decisions and quickly plan and restructure as conditions change.

  Resources

  • Identify and nurture talent for your next stage of growth
• Cloud infrastructure

  • Why Oracle apps run best on Oracle Cloud

    Rapidly deploy the entire suite of Oracle’s banking products and risk and finance applications on Oracle Cloud Infrastructure (OCI) thanks to exclusive, automated migration configurations that match current on-premises architecture designs.

  • Oracle Exadata Cloud@Customer

    Oracle Database Exadata Cloud Service delivers breakthrough performance, scale, elasticity, and economics for your database workloads. Run workloads in the public cloud or in your data center with Cloud@Customer solutions that allow you to meet data residency, security, and latency needs.

  • Oracle hybrid cloud

    Bring cloud capabilities to your core platforms while complying with data residency and security constraints. Use Oracle Cloud services in your data center behind your firewall, close to your critical applications. Or run your workloads in 29 available global regions to support in-country disaster recovery.

  • High performance computing

    Financial applications, including trading applications, require high performance, low-latency infrastructure for consistent, low jitter performance. Oracle Cloud Infrastructure offers high-frequency processors, fast and dense local storage, and the lowest-latency network. Supplement or migrate away from capital-intensive on-premises systems.

  • OCI analytics

    Oracle Analytics uses embedded machine learning and artificial intelligence to analyze data from disparate data sources, such as MySQL, OSS databases, Oracle Autonomous Database, and Oracle Exadata, so you can make smarter predictions and intelligent decisions.

  • Cloud native services

    Orchestrate engaging customer experiences by developing your next-generation financial services applications on Oracle Cloud Infrastructure. Cloud native services empower modern application development using technologies such as Kubernetes, Docker, serverless, functions, APIs, and Kafka.

  Resources

  • Bank on the most secure high-performing cloud infrastructure
  • Cloud banking services