Oracle FLEXCUBE Direct Banking


Constant rise in the online presence of customers has driven traditional brick-and-mortar banks to establish themselves in the virtual space. However, there is still a pressing need to transform this online presence to build customer loyalty and drive additional revenue for banks

Oracle FLEXCUBE for Direct Banking addresses the new demands of financial institutions and enables them to efficiently serve customers in virtual environments. With Oracle FLEXCUBE, banks can differentiate themselves from generic service providers and cater to the needs of the growing number of technology savvy customers. The new capabilities of spend analysis, alerts, and notifications significantly improves the online customer experience. New integration with Oracle ATG Web Commerce allows banks to configure rule-based offers personalized to the customer profile. The expanded assisted-channel support and built-in analytics of Oracle FLEXCUBE enable relationship managers to map a 360-degree enterprisewide view of a customer's relationship with the institution's offerings to optimize service, as well as identify up-sell and cross-sell opportunities.

Oracle FLEXCUBE Development Workbench for Direct and Mobile Banking is designed to address the need for agility. Created for the internet and mobile devices, the tool provides banks with the agility for an extensible ecosystem that is intuitive, capable of addressing business changes rapidly, and flexible, to align itself with the banking vision of using internet and mobile mediums as effective sales channels.


Oracle FLEXCUBE helps banks in the direct banking space to:

  • Lower customer servicing costs by offering a comprehensive range of products via a one-stop portal
  • Respond to intensifying competition by launching differentiated products and services quickly
  • Roll out their Gen Y strategies effectively
  • Lower customer acquisition and cross-sell costs
  • Enhance customer experiences using dashboard views customized for various segments and profiles



Introducing Oracle FLEXCUBE 12.0