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Oracle Banking Digital Experience

Omnichannel Banking for New Age Customers

Oracle Banking Digital Experience enables banks to attract, onboard, and service customers with a context-aware channel solution powered by a robust API framework that integrates with any core processor.

  • An intuitive user experience designed around the banking customer.

  • Out of the box mobile banking applications utilize native mobile features optimally.

  • Converse and execute transactions with the artificial intelligence powered Chatbot.

  • Originate loans from any device just by logging in from a social media account.

 

Enterprise Class, Standards Based Architecture

Enterprise Class, Standards-Based Architecture

  • Open, standards-based architecture with clear separation of presentation, business services and integration tiers
  • Domain-driven design principles used for business domain services with support for extensibility hooks via service extensions
  • Open, standards-based, and responsive UX framework to enable consistent and visually appealing UI
  • Core product processor-agnostic solution, pre-integrated with Oracle's core banking product processors: Oracle FLEXCUBE and Oracle Banking Platform

Rich API Repository of Business Services

Rich API Repository of Business Services

  • Provides 1000+ fine-grained and reusable business services providing extensive business coverage
  • Support for RESTful architecture style for the business services
  • Developer-friendly and comprehensive documentation of the REST APIs using Apiary, including a test environment with real world banking data
  • Business services coverage across customer onboarding, account originations for multiple product types, and comprehensive servicing, payments and corporate banking

Immersive User Experience

Immersive User Experience

  • Out-of-the Box support for Hybrid Mobile Applications
  • Modern and contemporary UI follows a mobile first responsive design
  • Designed for easy navigation and offers precise search options
  • Hybrid Mobile Apps support native device features like camera, GPS, fingerprint scanner, contacts etc.
  • Created on industry standard : HTML5, CSS3 and JSS; open source technologies Knockout, jQuery, RequireJS, Crossroads.js, JS-Signals

Comprehensive Originations

Comprehensive Originations

  • Support for originating a new account for a prospect or an existing customer across multiple product types
  • Originations supported for savings, checking, term deposits, auto loans, payday loans, unsecured personal loans, and credit cards
  • Applicants can login via social media to provide personal details, employment details (Facebook, LinkedIn), and financial profile, and upload documents as per document checklist and the product setup
  • Application Tracker allows the applicant visibility into the originations lifecycle, including reviewing and modifying the application, complete unfinished details, and accepting or rejecting the offer

Deposits Servicing

Deposits Servicing

  • Deposit servicing supported by the solution for retail, corporate, and Islamic customers include demand deposit and term deposit
  • Demand Deposits dashboard provides the combined balance across a customer's deposit accounts with the bank and a summary of each account
  • Term Deposits dashboard provides the total investment, total current deposit value, and the total maturity value across a customer's term deposits accounts with the bank
  • Ability to manage check books and debit cards
  • Statement inquiries, including mini statement and detailed statement with multiple filter criteria
  • Term Deposit calculator to simulate the investment goals based on various term deposit product types and durations

Loans Servicing

Loans Servicing

  • Retail loans, corporate loans, and Islamic finance servicing are supported by the solution
  • Loans dashboard provide the total outstanding balance and total borrowings across a customer's loans with the bank
  • Ability to view details of specific loans, schedule, and disbursement details, including payment or top-up a loan
  • Statement inquiries, including mini statement and detailed statement with multiple filter criteria
  • Tools like Loan Widgets, Loan Calculator and Loan Eligibility Calculator showcase the lending profile of the customer and help gain improved insights on current loan positions

Credit Cards Servicing

Credit Cards Servicing

  • Credit Cards dashboard provide the total credit limit available across a customer's credit card accounts with the bank
  • Ability to view details of a specified card, make payments, manage limits, and request an add-on card
  • Ability to block card, apply for a replacement card, setup auto payment instructions, change the billing cycle, or cancel a card
  • Statement inquiries, including both unbilled and billed transactions of a specified credit card

Payments

Payments

  • Payments dashboard provide a comprehensive view of registered payees, billers, debtors, favorite payments, and upcoming payments
  • Multiple payment types supported include own account transfer, internal transfer, domestic transfer, international transfer, and domestic and international drafts
  • Support for person to person (P2P) transfers using email, mobile, and merchant payments.
  • Ability to claim payments when the recipient does not have an account with the bank
  • Ability to set up future-dated or recurring payment instructions

Trade Finance

Trade Finance

  • Enables banks to improve corporate servicing by supporting trade finance functions
  • Improved business efficiency for corporate banking customers through self-service, elimination of manual processes, and an active tracking system
  • Initiate, amend and view letter of credits (LC)
  • View details of import and export bills
  • Create templates for trade finance transactions and upload required documents

Artificial Intelligence Powered Chatbot

Artificial Intelligence Powered Chatbot

  • Chatbot interface is provided over Facebook Messenger
  • Capable of processing natural language made available on the web and mobile app
  • Two-factor authentication, first via login with Facebook credentials and followed by an OTP sent to the device to ensure security
  • Customers can inquire about products, view account balance and recent transactions, transfer funds, pay bills, and locate a branch or an ATM

Personal Finance Management

Personal Finance Management

  • Enables customers to take control of their money by providing a financial overview of all their holdings with the bank
  • Retail dashboard displays an overview of a users spend, goals, and budgets
  • The dashboard graphically displays the user's current holdings and debt position, along with a spend analysis based on recent expenditure
  • Financial goal management widget shows the number of active goals with an option to create a new goal or manage existing ones
  • Budget widget shows active budget categories with an option to create new budget or manage existing ones.

Robust, Enterprise-Grade Security

Robust, Enterprise-Grade Security

  • Platform has clear separation of security responsibilities and is designed for externalized security implementing JAAS (Java Authentication and Authorization Services)
  • Preintegrated with Oracle IDM Suite, with the option to deploy and integrate with open-source security components
  • Native 2FA capabilities like OTP can be configured for certain transactions or events in the system

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