Oracle Banking Origination Cloud Service

Oracle Banking Origination Cloud Service helps reimagine originations by driving a personalized, consistent, and frictionless experience with the customer at the center. A modern SaaS solution, its intuitive workflows, streamlined processes, and automated decisioning and pricing help bankers provide tailored onboarding and originations for customers, accounts, deposits, and loans with speed and transparency, delivering instant gratification for customers.

Begin to simplify and automate loan originations.

Explore Oracle Banking Origination Cloud Service’s features

Shopping cart experience

Leverage flexible workflows and an intuitive shopping cart experience to streamline assisted originations.

Dynamic catalogs

Use dynamic and easy-to-manage product catalogs to deliver informative product deep dives and comparisons.

Product bundles

Originate multiple products, and offer tailored product bundles to customers.

Personalized engagement

Utilize built-in capabilities to offer instant account opening, accelerate originations, and make personalized offers.

Data management

Benefit from contextual checks and integration with content management systems for streamlined storage and retrieval.

Application tracking

Use real-time application tracking and SLAs to improve transparency in the originations process.

Task management

Leverage checklists, clarification mechanisms, and rapid search and execution to streamline task and approval management.


Easily configure workflows and processes with user-friendly building blocks to tailor and streamline operations.

Credit decisions

Leverage a credit decision and pricing engine that provides credit assessment decisions based on configurable scoring models. Enhance decision accuracy with external data from credit bureaus.

Tailored pricing

Use the credit decision and pricing engine to tailor interest rates and service fees based on relationships and promotions.

Customer 360 banking solutions

Incorporate comprehensive, 360-degree customer views to drive personalized, focused approval processes.

Enhanced customer views

Drive enhanced insights such as household views and balances with actionable alerts to broaden and deepen relationships with customized offers.

SaaS banking solution

Decrease time to market with rapid provisioning, and lower up-front costs with a pay-as-you-go model.

Public cloud

Host the application on Oracle Cloud or any public cloud.


Host the application in your own data center.

Why choose Oracle’s Banking Origination Cloud Service?

01Improve stickiness and reduce abandonment

Re-examine point of sale engagement and focus on the entire originations journey to minimize costly abandonment and improve customer stickiness.

Read the onboarding and originations business brief (PDF)

02Tailor engagement and optimize operations

Tailor customer engagement with personalized offers while optimizing operations with straight-through processing and automated decisioning.

Read the onboarding and originations business brief (PDF)

03 Improve cross-selling and upselling and increase customer lifetime value

Drive contextual and tailored cross-selling and upselling to increase sales and drive higher customer lifetime value.

Find 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.

Read the press release

Financial services documentation

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

Visit the documentation library

Oracle communities

Join our community to share information, questions, and comments about the latest technologies.

Join our community

Get started with Oracle Banking Origination Cloud Service

Watch our webcasts

Discover live and on-demand webcasts that explore financial services topics in depth.


Keep up with the latest trends across the financial services landscape.

Contact sales

Talk to a team member about Oracle Banking Origination Cloud Service.