Account Origination and Deposit Solutions
Oracle’s Account and Deposit solutions help banks optimize their retail banking deposit product portfolio. Easily configure business rules, product definitions, and various parameters that accelerate product innovation and improve time to market. Simplify and streamline onboarding, origination, and engagement to make your products easy to sell and faster to buy and use.
Drive growth with tailor-made account and deposit products.
Explore Oracle’s account and deposit solutions
End-to-end lifecycle
Manage end-to-end deposit lifecycles, from configuration to agreement management and closure.
Optimized management
Efficiently design and configure account and deposit product attributes and preferences. Optimize portfolios without creating an entirely new product.
Reusability
Shorten time to market for launching new account and deposit products with out-of-the-box reusable business rules and processes.
Easy bundling
Improve cross- and up-sell by bundling or grouping products across different lines of business.
Unified pricing and billing
Maximize revenue with unified and adaptable pricing and billing options.
Comprehensive product support
Easily manage diverse account and deposit product portfolios and multiple lines of business.
Pricing models
Embrace relationship, profitability, and risk-based pricing and on-demand billing.
Tailored pricing
Efficiently set pricing based on product parameters, channel characteristics, eligibility criteria, promotions, and exceptions.
Enhanced digital self service
Offer instant account opening, deposit origination with catalogues and bundling. Secure remote Know Your Customer (KYC) and digital interaction between customers and bankers to facilitate any stage of the account origination lifecycle.
Intuitive assisted service
Leverage an intuitive shopping cart experience, dynamic and easy to manage product catalogs and customer 360 views to empower bankers to deliver informative product deep dives and comparisons, tailor product bundles and make personalized offers.
Streamlining and automation
Streamline data capture, easily configure workflows, and leverage intuitive tools to streamline tasks and stages across digital and assisted channels. Enhance transparency into the account origination lifecycle with tracking, SLAs, and updates.
Extensive digital self-service
Offer real-time views and self-service operations, personalized and contextual insights and offers and help customers control finances, plan future goals, and track expenses.
Augmented assisted service
Empower bankers with persona driven rich and user-friendly UX, intuitive tools and comprehensive customer 360 insights to speed up transactions and free up resources to elevate customer engagement.
Intelligent operations
Utilize intelligent Smart Assistants, automation and machine learning driven predictions to speed up tasks, queries and transaction execution and optimize operations.
Why choose Oracle’s account and deposit solutions?
01Drive innovation and accelerate time to market
Build innovative and tailored products, pricing, and bundles. Launch products quickly and easily across channels and markets.
02Improve stickiness and reduce abandonment
Focus on the entire account originations journey to minimize costly abandonment and improve customer stickiness.
03Shift from a point of service to a point of sale
Unlock value for the customer and deepen relationships to drive higher customer lifetime value and increase sales.
How a continuous innovation philosophy drives Oracle's leadership in global retail core banking transformation
Tushar Chitra , Vice President, Product Strategy and Marketing
Explore the changing face of Oracle’s Core Banking portfolio and reflect on Oracle’s focus of continuous innovation through the combination of agile architectural thinking and deep solution functionality to deliver incremental innovation and more value out of core banking transformations.
Read the complete postFind resources and more
Oracle Named a Leader in 2022 Gartner® Magic Quadrant™ for Global Retail Core Banking
Explore how our execution and vision helped us earn a leader position.
Financial Services Documentation
Oracle offers a wide range of documentation and tutorials that will help you learn more about Oracle’s account and deposit solutions. You'll find all of these resources and more in the Oracle Help Center.
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Oracle Banking Digital Experience
Offer engaging digital customer experience across channels.
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