Blueprint for an AI-First Intelligent Bank
Oracle’s AI-first intelligent banking blueprint offers financial institutions the essential tenets for building a truly intelligent, next-generation bank where AI is embedded at the core of every operation.
Oracle banking solutions customer success stories
The AI-first bank
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The Future of Banking: Scaling AI Agents in 2026 and Beyond
Autonomous AI agents are set to disrupt the 2026 financial landscape, with major banks expected to move beyond pilots to fully operationalize AI agents.
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Blueprint for an AI-First Intelligent Bank
This business brief outlines a blueprint for an AI-first intelligent bank. At its core is an agentic ecosystem, where intelligent agents automate, enhance, and orchestrate business processes, delivering personalized experiences and unparalleled intelligent automation while maintaining security and compliance.
Redefine your retail and corporate banking customer experience
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Run your retail operations more efficiently so your people can focus on customer needs
Bring more flexibility and efficiency to your core banking operations, from new customer onboarding and loan origination to payments, lending, and collections. Eliminate manual activities to cut costs and risk.
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Help corporate customers make the most of their capital
Better position your corporate customers to manage global operations. Deliver compelling solutions for corporate credit and lending, cash and liquidity management, treasury management, trade finance, and supply chain finance.
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Innovate faster with a universal banking platform
Offer more new products and spend less with Oracle’s banking software—a core platform that is designed to work off the shelf. Implement a single system and get comprehensive capabilities across all banking functions.
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Invest in speed, innovation, and scale with banking SaaS
Leverage componentized and composable services that deliver preintegrated, SaaS-based, cloud native versions of Oracle's industry-leading banking solutions on Oracle Cloud Infrastructure.
Strengthen your bank with a flexible core platform and back office
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Provide customers with consistent, timely, and personalized interactions
Move beyond omnichannel and deliver highly customizable, context- and device-aware digital banking experiences that build customer loyalty.
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Expand your product lines with a partner ecosystem
Provide business partners with secure access to account data, transactions, and other information to create new products and customer experiences via open banking APIs. Implement controls to safeguard your customers’ data and protect their privacy.
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Bring in more revenue with better pricing and billing execution
Offer more flexible billing options and support multiple lines of business with subledger, payables, and receivables management—all from a single platform with Oracle’s banking software.
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Fight financial crime and comply with regulations
Protect your bank against money laundering and stay in compliance using end-to-end tools for customer due diligence, transaction monitoring, investigations, and reporting.
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Get full control of data quality and consistency across risk and finance
Make better decisions with a single view of your financial data and tools for balance sheet, profitability, and enterprise risk management. Adopt and comply with global accounting and regulatory standards.
Banking in 2026—Production-Scale AI Agents
Explore how production-scale, autonomous, carefully governed AI agents are set to transform how banks engage customers, make decisions, and operate.
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