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.

Accelerate digital transformation and prepare for what’s next in banking.

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.

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.

Optimized payments

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

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.

MKB Bank transforms a patchwork of legacy systems

MKB Bank, Hungary, modernized its entire IT architecture and systems infrastructure with Oracle FLEXCUBE to drive fully digital customer experiences.

Key benefits of Oracle FLEXCUBE

01Enhance business agility

Accelerate go to market across multiple banking business lines, such as retail banking, Islamic banking, and microfinance. Scale operations efficiently as business lines grow.

Read Abay's customer success story

02Drive operational efficiency

Improve operations and lower costs with prebuilt and streamlined workflows, machine-learning—driven insights, and intelligent automation. Leverage flexible deployment options and operating models.

Watch Nedbank’s customer success story (2:13)

03 Leverage the cloud

Modernize core banking systems by adopting microservices and cloud technologies to take advantage of higher flexibility, lower operating costs, and enhanced availability and security.

Discover the transformational power of the cloud

Banking in 2025: A ‘people-first’ approach can be critical to driving success in retail banking

Tushar Chitra, Vice President, Product Strategy and Marketing, Oracle
Avinash Swamy, Senior Principal Product Manager, Oracle

Explore the possibilities and opportunities a redefined “people-first” game plan offers and how they can transform experiences, value, and trust and drive retail banking success in the decade ahead.

Read the complete post

Find resources and more

Oracle Named a Leader in 2022 Gartner® Magic Quadrant™ for Global Retail Core Banking

Oracle has been recognized as a top core banking platform provider by Gartner with its complete retail banking solution suite that provides next-evolution capabilities from a modern core to comprehensive business processes to an intuitive and engaging digital experience.

Read the press release

Oracle Financial Services Documentation

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

Visit our documentation library

Oracle Communities

Get and share information, questions, and comments about the latest technologies.

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Get started with Oracle FLEXCUBE

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 solutions for financial services.