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Oracle Banking APIs

Deploy Oracle's banking APIs solution to build your open banking platform. With more than 1,600 ready-to-deploy business and foundational banking APIs, banks can accelerate innovation in a new digital ecosystem while complying with open banking regulations.

Collaborate, innovate, and scale.

Explore Oracle Banking APIs solutions

Revamp your bank’s digital strategy by collaborating with the emerging digital ecosystem. Find the right balance of advanced applications and legacy technology infrastructure to engage customers with unparalleled, customized digital experiences.

Accelerate innovation in banking

Handpick mature solutions to enrich your bank’s product portfolio. Test prototypes before going live in a sandbox environment with core banking, payments, and associated applications.

Adopt modern collaboration models

Leverage the flexibility of Oracle Banking APIs and choose the type of collaboration to pursue. Banks can act as aggregators, distributors, and platform players as well as provide expertise as a service and banking as a service (BaaS).

Oracle fintech ecosystem

Access an ever-growing list of innovators from across the globe in the fields of artificial intelligence, regtech, marketplaces, originations, biometrics, and corporate and retail banking.

Banking as a service with Oracle

Banks with strong business and knowledge process operations can extract additional revenue inflow through BaaS with Oracle Banking APIs. Participate in the embedded bank market by offering customers services on any channel.

Build your own API-driven experiences

Build new APIs with an API toolkit, repurpose existing APIs, configure and parameterize APIs, and publish APIs from a routing hub at scale to achieve faster time to market, increase reach, and build the bank’s digital ecosystem.

Instantly assimilate and operate within existing environments

Designed to coexist with existing technology, this single solution connects the entire open banking technology landscape, easily integrates with any core banking product processor, and deploys with any API gateway, identity management, or security solution.

Easy discovery and rich API documentation

Oracle’s solution provides rich and extensive API documentation on Swagger that is ready for outbound discovery, complete with lift-and-shift API libraries.

Unlock the revenue potential of APIs

Employ innovative API monetization models with Oracle’s framework to integrate with any pricing and billing engine. Offer contextual relationship-driven pricing, gain high-fidelity insight into fees and charges, reward loyalty, and provide intelligent pricing.

Foundational APIs

Always get the basics right with APIs for access, entitlements, approvals, consent, limits, strong customer authentication (SCA), and user management.

Retail banking APIs

Fast-track origination, account aggregation, personal finance management, point-of-need services, Islamic banking, payments, and wealth management.

Corporate banking APIs

Offer corporates the edge with APIs for cash, liquidity, and virtual accounts management. Streamline payments, corporate lending, trade, and supply chain finance.

Open banking regulatory compliance

With all mandatory retail banking APIs and a strong customer authentication framework, Oracle Banking APIs is compliant with Berlin Group standards version 1.3.6 and Competition and Markets Authority (CMA) UK Open Banking version 3.1.2.

Account aggregation

Optimum utilization of open banking regulations enables you to provide customers with a consolidated view of their entire finance portfolio within and outside the bank.

Consent and third-party provider (TPP) management

Oracle’s solution offers fine-grain consent management and authorization management along with entitlements management. Manage TPPs with third-party onboarding, privilege assignment, extensibility for eIDAS, and inbuilt Dynamic Client Registration for UK open banking.

Authentication and security

Gain foolproof authentication with the OAuth 2.0 authorization framework—two-legged and three-legged OAuth 2.0 capabilities and open ID for UK open banking— as well as inbuilt identity management, customer access management, and idempotency checks.

Discover how our customers experience Oracle Banking APIs

W1TTY taps Oracle to provide a better digital banking experience to customers
FBN Bank UK goes digital and innovates with Oracle
Ecobank leads Pan African digital banking transformation

Why choose Oracle Banking APIs solutions?

Banks and fintechs have realized that collaboration is the best way forward. Customer-based data ownership is the new normal. Oracle Banking APIs allows banks and fintechs to partner with each other to provide customers with the best of both worlds while managing consent and data security.

01Orchestrate open API strategy from a single, scalable solution

Oracle Banking APIs is an end-to-end, API banking solution offering APIs, a foundational framework, sandbox, API library and management, and monetization.

02Reduce the API creation and customization process from months to days

More than 1,800 ready-to-deploy RESTful APIs and an API toolkit allow banks to get started with API banking instantly.

03Partner with innovative financial service providers, and offer customers the latest in banking technology

The Oracle fintech cohort provides banks with instant access to more than 50 fintechs with innovative offerings in retail, corporate, wealth, AI, regtech, and more.

04Integrates with a bank’s existing technology to reduce the total cost of ownership

The solution equips banks to rationalize and de-duplicate services connecting their technology landscape to help them gain cost and operational efficiencies.

Bank-to-bank collaboration in the world of BaaS—Part 1: The why

Tushar Chitra, Vice President, Product Strategy and Marketing, Oracle

BaaS-based bank-to-bank partnerships have immense potential to achieve higher revenue realization since they can operate in a highly regulated environment where the customer's interests are always protected. These collaborations provide opportunities to industrialize a bank's niche offering by making it available to another bank's customer base, creating significant synergies and revenue streams.

Read the complete post

Resources for Banking APIs

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 banking functionality.

Financial services documentation

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

Get started with Oracle Banking APIs solutions


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Talk to a team member about Oracle Banking APIs solutions.