Retail Banking

WHY ORACLE

ONLY ORACLE DELIVERS THIS KEY FUNCTIONALITY

Oracle helps large and growing retail banks meet the challenges of handling higher volumes, intense competition, increased customer expectations, and reduced margins—by equipping them with solutions to extend their customer reach, improve profitability, and increase levels of service.

Additionally, Oracle helps banks comply with regulatory requirements, including Anti Money Laundering (AML), BASEL II, and SOX, among others.

With solutions based on a highly flexible and scalable service-oriented architecture (SOA), Oracle helps banks reduce technology and operational costs, co-exist with existing legacy systems, and "future proof" their prior technology investments.

Capability to create new products rapidly
Easy integration with legacy back-office systems
Support for multiple delivery channels
Improved customer service with higher cross-sell rates
Real-time processing and centralized maintenance
Reduced operating costs
Efficient business intelligence, decision support, and reporting facility

KEY OFFERINGS FOR RETAIL BANKING

Oracle Daybreak
Oracle Mantas Know Your Customer
Oracle Financial Services Profitability Analytics
Oracle FLEXCUBE for Microfinance

View All Industry Offerings

ONLY ORACLE OFFERS SIGNIFICANT BENEFITS

Business Drivers	Oracle Enables You to	With These Products
Improve Customer Service	Provide customer-centric sales and service across channels Cross-sell and up-sell products, based on real time customer intelligence Understand changing customer needs	Siebel Branch Sales and Service Siebel Branch Teller Siebel Contact Center
Stay Ahead of the Competition and Reduce Operating Costs	Introduce new products rapidly Reach out to customers over diverse channels Improve customer retention Address the unique needs of niche segments Improve decision-making	Oracle FLEXCUBE Core Banking Oracle FLEXCUBE Lending and Leasing Oracle FLEXCUBE Direct Banking Oracle FLEXCUBE for Microfinance Oracle Financial Messaging Solutions
Address Regulatory Requirements	Comply with multiple regulations Understand your current risk exposure, and quickly and comprehensively evaluate credit risk, market risk, and operational risk Mitigate risk with multi-jurisdictional regulatory compliance capabilities	Oracle Reveleus Retail Credit Risk Oracle Reveleus Basel II Oracle Mantas Anti Money Laundering Oracle Mantas Know Your Customer Oracle Reveleus Economic Capital Advanced
Transform Processes and Standardize and Leverage Industry Best Practices	Move beyond limitations imposed by technology. Redesign processes quickly and efficiently Optimize, measure, and audit enterprise-wide processes Bring about greater transparency in processes, policies, and workflows	Oracle Industry Reference Model for Banking