BeltRoad is an online marketplace for contractors and suppliers and the SME trade financing platform (invoice backed funding) for local SME suppliers involved in the Belt and Road initiative.

(Oracle Partner Network member)

Boss CARES/PPP provides lenders (banks, credit unions, and alternative lenders) with an end-to-end digital platform for SBA’s Paycheck Protection Program (PPP) including forgiveness calculations. Boss Insights’ Platform accelerates business lending from months to minutes. Boss CARES/PPP is an adaptation of its modular platform to cover the end-to-end loan origination process including application, monitoring and forgiveness. Borrowers benefit from transparent forgiveness calculations, and lenders benefit from automating the process, understanding their risk exposure and scalable intake for applicants.

Boss’ CARES Platform provides an automated way to gather data from accounting, banking and payroll sources amongst others. It seamlessly connects to a lenders’ LOS or internal CRM and to SBA’s E-tran, enabling all systems to communicate.

FundingHub helps refer South African small businesses looking for finance to 30 alternative lenders and banks. FundingHub can also originate SME loans for banks and provides credible information on the SME’s borrowing history and patterns.

FundPark is an online marketplace that connects companies with partnering individuals by an innovative and technology-enabled operation model and provides purchase order financing and invoice financing to small and medium enterprises (SMEs).

Happay provides a simple and intuitive expense management solution, reducing the bottlenecks that come up between procurement to payment. Happay optimizes funds for businesses and helps in better spend management. It has ready-made adapters for ERP systems, and payments directly initiated from its system. Happay also provides corporate credit-card expense management and reconciliation solution. Happay can partner with banks and provide an invoice management facility to the bank’s SME customers. They can play a lead role in facilitating corporate payments and corporate cash flow functions on Oracle Banking APIs.

(Oracle Partner Network member)

ICS BANKS® Trade Finance is an integrated system that automates and audits the complete cycle of trade finance and payment transactions in real time. Running on Oracle Cloud IaaS and Oracle PaaS, it offers superior, fully branded e-banking services that allow customers to monitor their account applications, with always-on accessibility 24 hours a day, seven days a week. In turn, this allows for effective and timely reporting and real-time credit risk management.

Numberz AR cloud platform tracks and collects money, empowering enterprises to speed-up collections, ensure visibility, and elevate team productivity every day. Numberz can integrate with the banks’ corporate module leveraging Oracle Banking APIs to provide corporate cash flow features. It increases collaboration and transparency between customers and bank’s internal teams. It also reduces credit risk and account receivables leakages and frauds.

(Oracle Partner Network member)

Instant Pay by Previse offers all suppliers—regardless of size—instant invoice payment without the need to change existing payment terms. Instant Pay allows corporate finance businesses to reach all of their suppliers with early payment—not just the largest 1 percent. By harnessing the accuracy and efficiency of advanced machine learning, Instant Pay measures and controls the dilution risk, so suppliers are paid as soon as an invoice hits their Oracle ERP system. Running Instant Pay on Oracle Cloud Infrastructure allows you to protect payments with the core to edge security.

(Oracle Partner Network member)

Opportunity Report by Previse uses machine learning to analyze your ERP data, producing a report that details the potential profits from implementing cash on invoice. Running on Oracle Cloud Infrastructure, Previse has the processing power and insights to create intelligent reports. You can identify opportunities to improve your payment processes by considering and quantifying potential working capital and efficiency benefits.

(Oracle Partner Network member)

IdentityX by Daon is an identity-management platform that addresses the full customer digital identity lifecycle. IdentityX provides one of the broadest biometric authentication portfolios and the highest level of multi-factor identity protection available today. Running IdentityX on Oracle Identity Management Cloud provides a comprehensive security solution to protect enterprise assets, while also providing the instant scalability to accommodate growing users, apps, and deployments.

Active.ai helps banks and credit unions create intelligent virtual assistants, bringing in automation and insightful customer engagement. Active.ai uses advanced NLP and machine intelligence to enable banks’ customers to have natural dialogues over messaging, voice, or IoT devices. With Active.ai, banks can explore customer onboarding, drill customer insights, and leverage the chatbot interface through Oracle Banking APIs.

BankBuddy provides AI solutions allowing banks to assist stakeholders in effective task completion with prebuilt task bots. It also offers vertical AI solutions to automate journeys across systems, processes, groups, departments, and segments. It enables banks to hyper-personalize their customer experiences, improves retention, and cross/up-sell through contextual messages aided by predictive analytics and helps optimize interactions with customers and banks. Banks can leverage BankBuddy on Oracle Banking APIs to reduce complex banking interactions at the branch and contact center to simplify conversation on the self-service channels. It can connect to multiple banking systems to get a 360-degree view of the customers’ profile and service the customer by advising on the next course of action and by triggering relevant bank service workflows.

Blueopes provides customized, intelligent, highly automated, and cost-efficient investment platforms focused on socially responsible investing to banks, asset management, firms, and financial advisors. Blueops can work with banks to recommend savings options for their end customers.

Facetec provides certified liveness for KYC onboarding and 3D face matching for ongoing authentication, thereby helping banks and financial institutions reduce identity-related security risks. Banks can leverage Facetec to plug into the banks’ security framework and can be used as an alternate means of authentication.

Family finances provide millennial and GenZ-focused products that cover savings, transactions, and personal financial management. Banks can put up a youth banking offering with family finances. They provide a white labelled application that can work with banks.

Hypomo is a mortgage broker company that helps borrowers compare 95 percent of Slovak lenders to identify and apply quickly to the best mortgage, based on their profile. Hypomo can intelligently find the best offers available to an end-user and make rule-based adjustments to show a bank's offering. They can then originate the customer by running intelligent document checks and form prefills to originate the loan directly into the banking system on Oracle Banking APIs.

(Oracle Partner Network member)

ICS BANKS® Universal by ICS Financial Systems is a complete suite of banking business modules with a rich sweep of functionalities and features. ICS BANKS® Universal addresses business needs by automating accounting processes to improve a bank’s business performance. With best-in-class technologies, it’s a complete solution that delivers maximum value to banks of all sizes, and is one of the fastest core banking applications available. Running on Oracle Cloud Infrastructure, ICS Banks® can provide the strict data residency, latency, and compliance required for secure banking processes.

(Oracle Partner Network member)

ICS BANKS® Universal by ICS Financial Systems is a complete suite of banking business modules with a rich sweep of functionalities and features. ICS BANKS® Universal addresses business needs by automating accounting processes to improve a bank’s business performance. With best-in-class technologies, it’s a complete solution that delivers maximum value to banks of all sizes and is one of the fastest core banking applications available. Running on Oracle Cloud Infrastructure, ICS Banks® can provide a strict data residency, latency, and compliance required for secure banking processes.

(Oracle Partner Network member)

Amelia by IPSoft is a state-of-the-art interaction platform. It performs multiple service-desk roles and uses machine learning to transform the service experience. For example, communicating with customers using natural language, context, and empathy. Running on Oracle Cloud Infrastructure enables Amelia to increase efficiency by automating repetitive tasks, which empowers experts to spend more time being the expert.

Lifesaver is a financial health platform and marketplace focused on connecting young, underserved consumers with community financial institutions and empowers young consumers with financial literacy resources. Lifesaver can engage the customer at the research and presell stage and help them in deciding the correct products offered by the bank. Lifesaver can then onboard and engage the customer to ensure a smooth and frictionless origination.

My Treasury Savings Optimiser provides users with personalized information to choose the best bank account for them and secures the highest returns on their cash savings. Banks can tie up with My Treasury and treat this as an additional channel for sourcing deposit accounts as well as new customers. Banks can then cross-sell/up-sell to the customers acquired via My Treasury.

(Oracle Partner Network member)

The AI-Powered Customer Data Platform, Lily, by NGDATA, provides a framework for personalized, predictive, connected, and relevant customer experiences. This fully packaged solution can learn from virtually any data source. Then it builds a holistic understanding of every customer that drives better decision-making. Running Lily on Oracle Autonomous Analytics Cloud allows you to find insights within the data to better inform future marketing communications.

(Oracle Partner Network member)

Real-time Insight-Driven Banking as a Service by Personetics allows retail banks to securely provide exciting new AI-based personalized and proactive digital services with unprecedented time to market, agility, and ROI. AI based dynamic and personalized engagement platform, delivered as a service to engage retail, SME and credit card customers with customized insights, timely advice, contextual services, and self-driving finance capabilities. Personetics provides, among others, proactive personal insights and guidance, self-driving automated money management and SME cash flow optimization and guidance. Running Personetics Engagement Platform on Oracle Cloud Infrastructure results in higher security, scalability, and agility required for the retail banks to innovate faster.

Perx Technologies provides a loyalty and customer engagement platform. This platform leverages AI and machine learning algorithms to turn raw and unstructured customer data into useful marketing insights that can help banks and insurers identify customer segments. Identification is based on spending propensity, drive smarter marketing campaigns, create personalized digital customer experiences, reward loyal customers. Perx can do a statement and event sniffing on the bank accounts via Oracle Banking APIs and identify transactions eligible for rewards. It can further calculate and credit reward points to the customer on behalf of the bank. Similarly, it can boost transactions by nudging the end-users to do more transactions by gamifying the user experience.

Pomelo Pay is merchant-centric payment gateway that allows merchants to collect payments directly from bank accounts using Oracle Banking APIs. It also allows customers to accept payments anywhere using just their mobile; it also allows them to manage their cash flow on the go.

Qalize offers partners and end users access to numerous, organically linked, and value-added mobile financial services. It combines payments, funding sources, loyalty, gift cards, and other services in a single, frictionless, beacon-based transaction. Qalize can massively reduce friction in payments and increase customer stickiness for banks by intelligently applying for discounts and loyalty cards.

Raisin is Europe #1 deposit marketplace that gives access to exclusive savings products from all over Europe. Banks can tie up with Raisin and treat this as an additional channel for sourcing deposit accounts as well as new customers. Banks can then cross-sell/up-sell to the customers acquired via Raisin. Also, Raisin takes away a lot of friction in servicing of a deposit account.

SASA leverages data and tech to enable frictionless finance to the financially excluded by partnering with mobile network operators. SASA and mobile operators are allowed to lend only up to a limit. They often have customers with a healthy lending pattern and higher borrow needs. SASA can forward these requests to banks and originate these customers into the banking system.

(Oracle Partner Network member)

Strands partners with financial institutions to deliver digital money management experiences that help empower people to manage their life better and make financial and consumption decisions in a smarter, more transparent, and independent way. Strands Finance Suite enables banks to anticipate customer needs, and proactively suggests next-best-actions to increase long-term value for customers. The platform supports all core banking and digital banking solutions and can be deployed on premise or as a cloud implementation. Running the Strands Finance Suite on Oracle Cloud Infrastructure gives financial institutions the flexibility and credibility required as they start to plan a roadmap to cloud-based solutions that handle highly sensitive transactional data.

Unscrambl is a big data and streaming real-time analytics platform that connects to multiple sources of information simultaneously and builds rich customer profiles using all available customer and transactional data. Its conversational AI-based chatbot empowers decision-makers with immediate contextual insights, all delivered in simple conversational language, straight from the data source. Banks can leverage Unscrambl to reduce complex banking interactions (at the branch and contact center) to a simple conversation on the self-service channels. Unscrambl can connect to multiple banking systems to get a 360-degree view of the customers’ profile and service the customer by advising on the next course of action and by triggering relevant bank service workflows.

W.UP’s AI-powered advanced solutions help financial institutions boost user experience and transform digital sales. Banks can integrate with W.UP using Oracle Banking APIs to let them run analytics on top of customer data to suggest best offers for cross-selling and upsell.

(Oracle Partner Network member)

HACERA uses zero-knowledge proofs to solve inherent problems relating to privacy, data confidentiality, and transaction unlinkability. HACERA allows blockchain participants to transact freely without worrying about others being able to “profile” them. HACERA uses the Oracle Cloud to deliver their solution to leverage the performance and security features of Oracle Cloud delivered at the right price point to their customer.

(Oracle Partner Network member)

Overledger by Quant Network allows Financial Institutions to have access to new markets, eliminate lock-in and enable cross-platform blockchain applications that are necessary for a hyper-connected powered by Oracle Cloud.

Overledger brings blockchain interoperability at scale to simplify the blockchain application stack and enables cross-platform interoperability with just 3 lines of code.

Running Overledger on Oracle Cloud Infrastructure results in customers having choice, flexibility and eliminating technology lock-in. Overledger interconnects Oracle Blockchain Platform with any other blockchain to have access to new markets, eliminate lock-in and enable cross-platform blockchain and financial applications that are necessary for a hyper-connected world.

(Oracle Partner Network member)

R3 is an enterprise software company revolutionizing the way financial and commercial transactions occur with their distributed ledger technology, Corda. It provides DLT platform for financial institutions and transforms FIs business to frictionless commerce with massive bottom-line efficiencies and the potential for substantial topline growth.

(Oracle Partner Network member)

Amelia by IPSoft is a state-of-the-art interaction platform. It performs multiple service-desk roles and uses machine learning to transform the service experience. For example, communicating with customers using natural language, context, and empathy. Running on Oracle Cloud Infrastructure enables Amelia to increase efficiency by automating repetitive tasks, which empowers experts to spend more time being the expert.

(Oracle Partner Network member)

Banking Gateway by Apro provides a standard solution for Oracle Financials to simplify inbound and outbound file processing. Integrated to Oracle Cloud ERP, it provides the same connectivity between Oracle Cloud Financials and banks and supports banks around the world.

(Oracle Partner Network member)

Baton Systems provides a post-trade platform and solutions to capital markets. Asset Baton allows financial institutions to clear and settle all asset classes and currencies—on-demand and in real time. This application has been designated as ready to run on the Oracle Cloud Platform based on the application’s support of Oracle Cloud-compatible technology products and operating systems.

(Oracle Partner Network member)

Digital payments solutions on blockchain technology by FINWEG provide retail and merchant banks, regulators, and clearinghouse a unified collaborative platform based on blockchain technology, which reduces most of the manual operations and eliminates errors and fraud. Running FINWEG solution on OCI results in liquidity and capital improvement and a reduction in clearing and settlement time.

(Oracle Partner Network member)

ICS BANKS® DIGITAL BANKING by ICS Financial Systems enables banks and financial institutions to improve their payment processes—and deliver an exceptional customer experience, too. Running on Oracle Cloud, the digital platform increases speed to market, providing real-time payments and instant transactions 24 hours a day, seven days a week. The customer-centric solution utilizes blockchain and other emerging technologies, making for fast implementation, high flexibility, and a robust infrastructure.

Pomelo Pay is merchant-centric payment gateway that allows merchants to collect payments directly from bank accounts using Oracle Banking APIs. It also allows customers to accept payments anywhere using just their mobile; it also allows them to manage their cash flow on the go.

(Oracle Partner Network member)

Supermoney is a next generation accounting ledger, distributed to facilitate the creation and management of hyper efficient business networks. The Supermoney accounting solution includes payments processing, escrow, single member, coalition and open digital loyalty programs, and asset tracking for logistics.

The solution is available as a SaaS or PaaS deployment. Running the solution on Oracle Cloud Infrastructure gives customers the enterprise quality, flexibility and instant scalability they need to innovate but maintain data security and integrity.

(Oracle Partner Network member)

TAS Card Management System (CMS) by TAS Group is an end-to-end payment management platform that enables the design, launch, and monitoring of new card initiatives. Running on Oracle Cloud Infrastructure, it provides constant transaction processing and fraud management. The platform also includes all necessary modules to issue EMV cards and authorize payments, while the easy-to-use interfaces allow business users to configure new Initiatives without IT support.

(Oracle Partner Network member)

The TAS Network Gateway, by TAS Group, allows banks and payment service providers to build a cloud-based payment and transaction processing platform, connecting to any national or international interbank network simply and transparently way. The gateway supports all payment types and is available as an in-house or software as a service installation that is SWIFT-certified. Running the TAS Network Gateway on an Oracle hybrid cloud provides the quality, flexibility, and instant scalability you need to keep up with real-time payment requirements and innovate faster.

(Oracle Partner Network member)

The Trade Finance application by TradeIX allows corporates to directly connect with multiple banks and other financial institutions to implement and manage their trade finance Initiatives. It integrates receivables, payables, and inventory information straight from Oracle’s ERP system—and is the world’s first platform to leverage blockchain for trade finance transactions.

Qalize combines payments, funding sources, loyalty, gift cards, and other services in a single, frictionless, beacon-based transaction. Qalize can massively reduce friction in payments and increase customer stickiness for banks by intelligently applying for discounts and loyalty cards.

Chekk helps financial institutions manage end to end customer life cycle digitally by providing seamless on-boarding solutions, accurate verification services, and ongoing interaction capabilities. Documents are shared by customers via the Chekk mobile app on the customers’ mobile phone, verified and pushed to banks. Chekk is an agile solution as it can be used off the shelf or integrated into banks systems leveraging Oracle Banking APIs.

(Oracle Partner Network member)

Cognitiv+ offers legal and regulatory analytics to corporates, consultancies, and legal firms, enabling them to understand and act upon their compliance obligations using artificial intelligence.

Complidata develops AI-driven process automation solutions to streamline and optimize compliance processes for FSIs. The solutions are deployed as managed services, helping clients to define, implement, and manage the controls and achieve regulatory compliance. Complidata can be used as a compliance engine with Oracle Banking APIs for de-risking trade finance transactions. It can extract and process metadata from physical documents. The metadata extracted can then be used to perform checks on the identify transactions that need further verification. It checks against sanctions and pep list using exact and fuzzy logic, dual use, and AML red flags.

(Oracle Partner Network member)

Amelia, by IPSoft uses state-of-the-art AI to process billions of sites to build a financial risk profile for commercial loans. The Financial Risk Profiler (FRP) reduces the cost of high customer acquisition by pre-screening loan applicants, filtering the good from the bad. Running on Oracle Cloud Infrastructure, the FRP score has the power to predict the outcome of loans, reducing defaults, and increasing the hit ratio for successful loans.

Kompany provides real-time access to official and audit-proof commercial register information, including company filings covering more than 110 million companies in 200+ jurisdictions. It is a government licensed clearinghouse and official distributor for commercial and business registers in multiple countries worldwide. Kompany can do a status check on company information and alert the bank and customer in case a company has shut down, has gone into insolvency, etc. Kompany leverages Oracle Banking APIs to demonstrate its ability to read high-value corporate payment events executed by customers of the bank. The data gets analysed, and in case of red flags, the transaction gets flagged off for exceptional processing via service request, and the payee gets disabled. Banks can also use Kompany to sweep into their corporate relationships and flag off accounts that need re-verification.

Sedicii’s technology based on the Zero Knowledge Proof Protocol eliminates the transmission, storage, and exposure of private user data during authentication or identity verification. This reduces identity theft, impersonation, and any fraud resulting from identity theft. Sedicii enables users to continue to consume digital services without sharing or exposing their private data allowing them to reclaim and control the use of their identity. Sedicii runs a blockchain network on a hub and spoke model that sends in transaction-specific anonymous data that can be matched by the system to compute risk scores. The data is then converted to noise and sent on to the network. The sender and beneficiary bank information is merged with the flag of suspected transactions.

Signzy is a RegTech platform that makes onboarding simple by leveraging AI and blockchain to perform bank-grade digital KYC. It augments customer onboarding with KYC and modern identity verification and forgery detection methods.

(Oracle Partner Network member)

Taina Technology’s intelligent and efficient solutions for FATCA and CRS compliance empower financial institutions and their service providers to reduce costs, mitigate risks, and improve the customer experience. Running Taina solution on Oracle Cloud Infrastructure results in faster validation of clients and smoother onboarding, along with reduced costs and risks.

(Oracle Partner Network member)

Financial Services solutions by Appway adopt technology as the core of business to provide customers with seamless and personalized banking experiences—anytime, anywhere. It provides industry-specific expertise and on-target deployment with a quick time to value and sound solution architecture. Running Appway on Oracle Cloud Infrastructure makes it integrated and certified, secure, and enterprise-ready. It also provides exposure to the rich fintech and Oracle Appications ecosystem.

BankBuddy Investment Banking Chatbot helps banks to inform, advise, service, and upsell. Banks can leverage BankBuddy on Oracle Banking APIs to reduce complex banking interactions at the branch and contact center to simplify conversation on the self-service channels. BankBuddy can also help banks by automating service delivery at scale across all digital channels and actions.

Blueopes provides customized, intelligent, highly automated, and cost-efficient investment platforms focused on socially responsible investing to banks, asset management, firms and financial advisors. Blueops can work with banks to recommend savings options for their end customers.

(Oracle Partner Network member)

Hydrogen Atom by Hydrogen allows enterprise-grade financial institutions to quickly build consumer-facing fintech applications for investments, savings, and financial wellness. Through the Atom APIs, clients can build, test, and deploy end-to-end applications, saving time and money while delivering on client experience. Running on Oracle Cloud Infrastructure, Hydrogen Atom’s modular platform gives you the freedom to pick and choose features or augment the product to suit your needs and get to market faster.

(Oracle Partner Network member)

ICS BANKS’ Investment & Treasury System covers all brokerage and investment activities—front, middle, and back office—with integrated, parameterized, end-to-end solutions. Running on Oracle Cloud IaaS and PaaS, it’s a fully comprehensive asset management solution with robust, easy-to-use tools to effectively measure and manage risk.

KapitalWise API platform combines financial institutions data with third-party data. It uses machine learning and AI to monitor, detect, and predict personal and financial events in the consumer’s life to help financial institutions recommend the right products and services at the right time. End customers are often not aware of their spending patterns and hence are unable to optimize their savings and liabilities. Kapitalwise can run analytics on the customers spending patterns using Oracle Banking APIs and streamline payments towards credit cards card and EMIs. It also augments customer service by providing personal financial management features.

Novastone is a sophisticated, secure, self-documenting, instant messaging platform for organizations, moving communications from email and enabling instant chat with high-value clients across mobile and web. Novastone brings together the automated wealth advisor and the human wealth advisor on the same platform with the customers and their relationship manager. When a customer requests for special assistance, Novastone’s bot can be requested via Oracle Banking APIs to patch in the bank’s investment advisor.

Wealth Migrate is an online real estate marketplace that allows users to crowdfund property. It enables them to diversify their investments and take advantage of real estate booms outside their home country.

(Oracle Partner Network member)

AMI by 3Forge, lets Enterprises build custom applications in the cloud using a 100% browser-based front end. Voted the Best Sell-Side Web-Based Development Environment by Waters Technology, the integrated data virtualization, analysis, and presentation modules significantly increase front end performance over the competition. Running AMI on Oracle cloud Infrastructure results in less costly hardware setups than on desktops & more flexible and scalable architecture for the back ends of proprietary applications.

(Oracle Partner Network member)

Amenity Analytics is a cloud-based NLP and text analytics solution that helps businesses draw insights from unstructured text and data. Fortune 100 companies, hedge funds, and insurance companies rely on Amenity’s proprietary NLP technology to understand large scale text sources from regulatory filings and earnings call transcripts. Running our solution on the Oracle cloud removes the risk for banks and allows us to deliver the data from our solution to our customers via APIs. Oracle’s platform ensures that the data set we created gets into the organization and gives us flexibility, enabling us to reach our customers.