Retail Banking Solutions
Oracle’s retail banking solutions boost your ability to innovate and respond with speed and agility by moving core functions to a cloud-first model. Deepen loyalty and trust by delivering customer-centric digital banking and operational intelligence across your middle and back offices.
Discover how our customers experience digital banking transformation
Oracle Retail Banking spotlight
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Mizuho Bank modernizes core banking operations with Oracle
Mizuho Bank modernizes its core banking system with Oracle solutions to support critical functions, enjoying the benefits of a high level of straight-through processing for deposit operations and cash management services.
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Rethinking the Digital Banking Platform: Essential Springboard to Banking 4.X
Oracle provides an omnichannel, core-agnostic digital banking platform that comes with extensive ready-to-use retail, corporate, and small and medium-size enterprise (SME) banking functionality.
“The market is changing—and our customers demand more flexible finance options.... We needed to upgrade our legacy system—and Oracle Financial Services Lending and Leasing delivered.”
Deliver an exceptional cloud-ready, digital retail banking experience from acquisition to retention
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Attract prospects, acquire customers, and grow them into champions
Build authentic relationships with customers in any digital channel with interactive product catalogs, seamless onboarding, and hybrid customer service, leveraging intelligence at every step.
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Adopt new banking business models faster and drive efficiency with modern digital cores
Modernize your core banking operations with a choice of digital core banking solutions to streamline and optimize back-office product management and transaction processing at high performance and scale.
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Reimagine assisted originations
Drive a personalized, consistent, and frictionless originations experience with the customer at the center. Onboard customers and originate accounts, deposits, and loans with speed and transparency.
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Shift from transaction-centric interactions to personalized, sales- and advice-driven customer engagement
Reinvent the bank branch from a point of service to a point of sale and advice. Power intuitive, intelligent, and automated servicing and teller operations.
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Improve loan performance with collections tailored to your customers and business
Offer each customer the best options to repay past due loans, based on loan characteristics and market conditions. Restructure your collection strategies to reduce risk and increase recovery rates.
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Offer innovative retail banking products and services faster with open APIs
Securely integrate and share data with third parties, such as fintechs, to deliver the new retail banking products and experiences your customers demand.
Create a digital banking transformation that thrives on changes
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Efficiently deliver immediate, secure payments
Provide payment options to customers when and where they want—while meeting their expectations for immediate processing.
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Build versatile asset finance programs
Create new revenue opportunities and give your customers better purchasing power by offering flexible financing options that are embedded in a variety of purchasing moments.
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Retain customers and reward loyalty with better pricing
Make better pricing decisions by centralizing pricing and revenue management across products, geographies, and customers. Build pricing that increases customer retention and loyalty.
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Deliver unified communications to your customers’ channel of choice
Close communication loops with your customers using consistent, multichannel communications that adhere to your brand and comply with corporate and regulatory guidelines. Reach out to customers with messages that are tailored to their needs.
“The Oracle Banking suite, with its microservices, API-ready platform, and short implementation time, fits perfectly into our technology roadmap.”