Oracle FLEXCUBE

Transform banking operations across retail, corporate, SME, Islamic banking, microfinance, and specialized financial institutions.
Oracle FLEXCUBE helps banks jump-start digital transformation so they can stay relevant, competitive, and compliant in the fast-evolving banking industry.

Explore Oracle FLEXCUBE solutions for banking

Universal banking

Enhance and optimize back-office operations to transform and scale universal banking operations.

Product flexibility

Launch and manage a wide range of tailor-made products and offerings, and scale expansion efficiently.


Business agility

Quickly adapt operations to meet evolving customer needs, business requirements, and regulations.

Enhanced connectivity

Easily partner and participate in ecosystems to build and extend innovative products and services.

Optimized operations

Operate efficiently at scale, and leverage deployment and operational flexibility.


Enhance customer acquisition and elevate engagement

Deliver fast, frictionless, and engaging experiences across retail banking product lifecycles.

Frictionless originations

Easily onboard new customers and offer convenient and personalized product originations.


Rapid decision-making

Accelerate credit decisions for lending product originations, and speed up time to decision and approval.

Elevated engagement

Progressively shift from transaction-focused servicing to a relationship and advisory-based engagement.


Customer 360

Build a complete 360-degree view of the customer to drive personalized and contextual engagement.

Optimized payments

Offer immediate, secure payment services across diverse networks and platforms.


Improved financing, visibility, and operations

Efficiently address the diverse and evolving financial needs of a range of customers, from SMEs to large corporations.

Streamlined credit

Streamline the corporate lending lifecycle, from origination to credit and collateral management, syndication, and more.

Real-time visibility

Enhance working capital management with improved visibility and control of cash and liquidity positions.

Optimized payments

Enhance visibility, processing, and reconciliation of payments in real time.


Enhanced financing

Offer comprehensive financing for trade and supply chains and optimize working capital.

Streamlined treasury operations

Centralize and optimize post-trade operations for investment management and capital markets.

Sharia-compliant Islamic banking

Facilitate and streamline Sharia-compliant banking operations with comprehensive product and operational capabilities.

Extensive Sharia-compliant offering portfolio

Roll out extensive Sharia-compliant Islamic banking offerings that meet AAOIFI requirements.

Islamic retail banking

Offer personalized and tailor-made Sharia-compliant retail banking products, services, and experiences.

Islamic corporate banking

Deliver compelling Sharia-compliant corporate banking product offerings, including Islamic trade finance and Islamic investments.


Agile microfinance

Streamline product definition and distribution while improving risk insight and reporting capabilities with solutions customized for microfinance.

Dedicated product portfolio

Leverage dedicated products and processes geared to meet unique microfinance customer requirements.

Tailored distribution and administration

Overcome distribution and administration challenges with tailor-made capabilities and processes.

Efficient operations

Improve microfinance business economics with streamlined processing and operational flexibility.

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