Oracle Banking Origination Cloud Service helps reimagine originations by driving a personalized, consistent, and frictionless experience with the customer at the center. A modern SaaS solution, its intuitive workflows, streamlined processes, and intelligent decisioning and pricing help bankers provide tailored onboarding and originations for customers, accounts, deposits, loans, and credit cards with speed and transparency, delivering instant gratification for customers.
Begin to simplify and automate loan originations.
Leverage flexible workflows and an intuitive shopping cart experience to streamline assisted originations.
Use dynamic and easy-to-manage product catalogs to deliver informative product deep dives and comparisons.
Originate multiple products, and offer tailored product bundles to customers.
Utilize built-in capabilities to offer instant account opening, accelerate originations, and make personalized offers.
Benefit from one-time data capture of documents, contextual checks, and integration with content management systems for streamlined storage and retrieval.
Use real-time application tracking and SLAs to improve transparency in the originations process.
Leverage checklists, clarification mechanisms, and rapid search and execution to streamline task and approval management.
Easily configure workflows and processes with user-friendly building blocks to tailor and streamline operations.
Leverage a credit decision and pricing engine that provides credit assessment decisions based on configurable scoring models. Enhance decision accuracy with external data from credit bureaus.
Use the credit decision and pricing engine to tailor interest rates and service fees based on relationships and promotions.
Incorporate comprehensive, 360-degree customer views to drive personalized, focused approval processes.
Drive enhanced insights such as household views and balances with actionable alerts to broaden and deepen relationships with customized offers.
Decrease time to market with rapid provisioning, and lower up-front costs with a pay-as-you-go model.
Host the application on Oracle Cloud or any public cloud.
Re-examine point of sale engagement and focus on the entire originations journey to minimize costly abandonment and improve customer stickiness.
Tailor customer engagement with personalized offers while optimizing operations with straight-through processing and intelligent decisioning.
Drive contextual and tailored cross-selling and upselling to increase sales and drive higher customer lifetime value.
Tushar Chitra, Vice President, Product Strategy and Marketing, Oracle
In the often intangible and complex world of financial products, banks must re-examine “point-of-purchase finance” by going beyond digital sign-up and focusing on the entire onboarding and originations journey. Customers must be offered personalized and contextual advice and guidance whenever needed. Successful onboarding also requires an easy and streamlined process throughout.Read the complete post
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