Oracle Banking APIs

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.