Oracle FLEXCUBE Universal Banking

Drive progressive transformation and continuous innovation with an agile, open architecture and cloud infrastructure. Oracle FLEXCUBE Universal Banking accelerates business agility, streamlines connectivity, and optimizes operations.

Mizuho Bank modernizes its core banking operations with Oracle.

Explore Oracle FLEXCUBE Universal Banking’s features

Build, expand, and scale offerings

Accelerate time-to-market and efficiently roll out tailor made offerings.

Comprehensive product portfolio

Quickly launch and manage a range of products across deposits, lending, and microverticals like Islamic banking, microfinance, and financial inclusion.

Centralized product administration

Easily manage large portfolios of products and offerings and scale efficiently across the banking enterprise.

Extensive parameterization, multiple localizations

Design and customize tailor-made products and offerings for customers and markets.

Relationship based pricing

Roll out customized and enticing pricing options for products and offerings.

Machine learning-based insights

Leverage intelligent product recommendations to improve cross and upsell.

Adapt to evolving business dynamics

Capitalize on evolving customer needs and business requirements.

Predefined and configurable workflows

Quickly roll out, realign, or tweak processes in tune to evolving requirements and opportunities.

Extensible business logic

Easily adapt to diverse customer needs and business and regulatory requirements.

Comprehensive insights

Enhance operational decision-making with insights at a customer, branch, business, or enterprise level.

Intelligent automation and smart assistants

Leverage innovative and frictionless workflows and experiences that save time and resources.

Open up the bank to new opportunities

Streamline interoperability and connectivity within the bank and externally with partners and ecosystems.

Externalized business services

Build innovative products and services and extend distribution and offerings.

1600+ REST API library

Simplify and speed up secure integration with third-party firms, value chains, and ecosystems.

Integration hub

Streamline and simplify integration with other systems within the bank.

SAML 2.0, ISO 20022, and REST/XML/ASCII-compliant

Drive efficient integrations with a standards-based architecture.

Leverage built-in innovation to improve operations and performance

Optimize banking operations, lower costs, and explore new operating models.

Multi-entity, multi-tenancy, multi-country

Drive operational flexibility across the banking enterprise and geographies.

Open architecture

Efficiently expand, diversify, and scale business lines and operations.

Out-of-the-box compliance and localizations

Streamline compliance to global, regional, or country-specific regulations and requirements.

24x7 banking and zero downtime

Deliver comprehensive 24x7 banking with continuous business and technology operations.

Digital bank W1TTY leverages Oracle to provide smarter finance solutions to customers in Europe

Key benefits

01Establish competitive advantages

Maximize business agility, drive innovation, and capitalize on market opportunities. Diversify and scale business lines efficiently.

Learn from banking innovators

02Optimize TCO

Streamline operations, optimize performance, and lower costs. Leverage multiple deployment options and operating models.

Read Ecobank’s transformation story

03Leverage the cloud

Leverage Oracle FLEXCUBE on Oracle Cloud Infrastructure, and take advantage of lower operating costs, enhanced availability, and security.

Deploy on Oracle Cloud Infrastructure

Find resources and more

Oracle Named a Leader in 2022 Gartner® Magic Quadrant™ for Global Retail Core Banking

Oracle has been recognized as a top core banking platform provider by Gartner with its complete retail banking solution suite that provides next-evolution capabilities from a modern core to comprehensive business processes to an intuitive and engaging digital experience.

Read the press release

Financial Services Documentation

Oracle offers a wide range of documentation and tutorials that will help you learn more about Oracle FLEXCUBE Universal Banking. You'll find all of these resources and more in the Oracle Help Center.

Documentation library

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Watch our webcasts

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Contact sales

Talk to a team member about Oracle solutions for financial services.