| Traditional brick and mortar enterprises are creating new business models that enable them to break free from their traditional complex structures. In most cases this is based on radically different technology and entails creating a differentiated brand supported by a lean organization structure. Oracle FLEXCUBE Direct Banking supports multiple banking business models, including those based on low cost deposits, low interest mortgages, and mobile- and social-media-based banking. Oracle FLEXCUBE provides a fully integrated front-to-back-office solution that can support these business models. It includes a complete set of product processors and a comprehensive mobile, internet, and wealth management self-service infrastructure capable of reducing total cost of ownership. Oracle FLEXCUBE is backed by a robust SOA-based architecture that enables banks to easily integrate Oracle FLEXCUBE with diverse front-end channel applications as well as back-end product processors. | 
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