| In today's banking environment, businesses need to evolve continuously to drive competitive differentiation. Banking IT staff are under intense pressure to support evolving demands quickly and cost-effectively. Traditionally, the cycle time for system changes is long and involves coordination with various vendors—ultimately affecting time to market. Oracle FLEXCUBE presents a complete development environment that allows IT teams at banks to meet changing business demands quickly and modify their applications without needing any external assistance. With the proliferation of mobile devices, it is imperative for banks to ensure uniform availability of their existing as well as upcoming applications across all devices. Banks also need to add new functionalities and respond quickly to business changes on the mobile platform. Oracle FLEXCUBE Open Development Tools allow banks to create, modify, and test user interface andbusiness logic, and to rapidly integrate with other systems. For mobile banking, the tools are designed to quickly deploy system changes across devices with minimal effort to keep pace with evolving business needs. Oracle FLEXCUBE Open Development Tools consist of Oracle FLEXCUBE Development Workbench for Universal Banking: An environment specifically designed to make changes in Oracle FLEXCUBE Universal Banking. Oracle FLEXCUBE Development Workbench for Direct and Mobile Banking: Designed for making changes to the mobile experience delivered by Oracle FLEXCUBE Mobile Banking and the Web experience delivered by Oracle FLEXCUBE Direct Banking. | 
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