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Digital Banking Platform for New Age Customers

A highly customizable, context-aware, omnichannel digital banking solution that can integrate with any core processor and service all lines of business. Oracle Banking Digital Experience helps banks execute their digital strategies without requiring a one-size-fits-all approach.

Brochure: Align to the Digital Native Lifestyle (PDF)

XCelent Awards 2021: Corporate Digital Banking Platforms Report

Read the report (PDF)

Oracle Banking Digital Experience Capabilities

Oracle Banking Digital Experience is an enterprise-class, open, cloud-ready, scalable, digital banking solution. Banks can rapidly deliver digital capabilities without changing their existing core banking platforms.

A single digital banking platform for banks to deliver engaging digital banking customer experiences across all channels
A comprehensive digital banking software that services all lines of businesses, including retail, SME, corporate, and Islamic simultaneously
A highly extensible and customizable digital banking solution capable of integrating with any existing technology landscape

Serve retail, SME, and corporate banking customers on a single platform.

Connect with customers at their point of need with multinodal support.

Build and customize banking experiences beyond the limits of the imagination.

Approve and execute retail and corporate transactions on wearables.

Product Features for Digital Experience

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Immersive User Experience

Get out-of-the box support for all channels, including mobile and wearables
Deliver better digital banking customer experience with a modern and responsive design-based UI
Ensure easy navigation and precise search options for staff and customers
Dashboards modeled on customer’s digital behavior to provide relevant information and enhance productivity
Offer context and device aware omnichannel experiences

Advanced Customer Engagement

Customers can converse with voice-enabled digital personal assistants
Ensure convenience with chatbot interface built into the mobile application and over Facebook Messenger
Enable retail and corporate customers to respond to notifications and transact via wearable devices
Increase your reach with SMS and missed call services

Build Your Own Experiences

Build Widgets, Inquiry Pages and Transaction Pages with a UX toolkit
Generate source code and required files with the UX toolkit
Get role based corporate dashboards with structure and entitlements
Use drag-and-drop tools for dashboard and screen configuration
Leverage an exhaustive range of ready to deploy retail, corporate, and system administrator widgets

Centrally Manage Multiple Entities and Brands

Support multiple brands and multicountry installations from a single channel layer
Allow customers to view their account relationships across the bank’s entities
Integrate with different versions of the same core banking application or with different core banking systems
Create, modify, and manage multiple customer touchpoints

Offer Robust, Built-In Security and User Management

Built-in user management, identity management, entitlement management, and limits-management capabilities
Platform has clear separation of security responsibilities and has been designed for externalized security implementing Java Authentication and Authorization Services
Preintegrated with Oracle Identity Management 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

Offer Robust Security and User Management

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 FLEXCUBE

Product Features for Corporate Banking

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Digital Banking for Corporates of Any Size

Provide tailored views into a corporate’s finances specific to the role of the corporate user with persona-based dashboards
Enables corporates to seamlessly manage their corporate lending portfolio with support for loan origination, application tracking, and servicing
Empower early entrepreneurs with QR-code-based merchant payments
Disburse funds efficiently through bulk payments and foreign exchange capabilities
Support the Islamic banking needs of corporates like Islamic corporate accounts, term deposits, and finance

Real-Time Liquidity Management

Give corporates a unified real-time view of global liquidity structures and underlying multicurrency accounts and balances
Offer customized liquidity techniques and be a valued partner to corporate customers
Provide cash and liquidity management dashboards for a detailed view of corporate’s position via informative and role-specific widgets
Build and maintain sweeping and notional pooling account structures to optimize working capital for different business processes

Manage Complexity with Virtual Accounts

Large corporates can reduce the number of real accounts and associated costs
Ensure ease in reconciliation, better collections, higher visibility, and optimal deployment of funds
Enable corporates to create and manage multiple virtual entities, accounts, and structures via self-service channels
Service new-age businesses deeply entrenched in the prevailing gig and freelance economy

Deliver End-to-End Trade Finance

Ensure complete life cycle support for all types of trade finance instruments like letter of credit, bank guarantee, and import and export bills
Digitally manage the approval process for letter of credit, credit facilities, and guarantees after receiving a request via digital or physical channels
Allow corporate users to apply and track application status for letter of credit, credit facilities, and guarantee requests
Digitize trade finance processes and shortens the time from application request to approval

Accelerate Supply Chain Finance

Offer corporates a self-service supply chain finance portal to manage supplier- and buyer-led programs linked to multiple counterparties
Provide a comprehensive and insightful dashboard that gives corporate users a snapshot of their businesses
Enable corporates to easily onboard counterparties like suppliers and vendors as well as upload invoices for approval
Allow corporate approvers to instantly approve programs, onboard counterparties, and act upon uploaded invoices
Ensure corporate viewers get aggregated views of receivables and payables and take decisions on overdue invoices and cash flow positions

Product Features for Retail Banking

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Highly Personalized Retail Servicing

Extensively support deposit, loan, payments, investment, and credit card retail banking servicing
Offer peer to peer payments via iMessage, Facebook, Twitter, chatbot, and personal digital assistants like Siri and Alexa
Gain improved insights on current loan positions with tools like loan widgets, loan calculator, and loan eligibility calculator, which showcase the lending profile of the customer
Provide retail users to customize the look and feel of their banking dashboard

User-Friendly Originations

Offer self-service originations on the customer’s channel of choice and ensure higher conversion rates
Provide instant gratification with Oracle Cloud Live Experience with direct connectivity to banking experts via voice and video call
Leverage the solution for savings, checking, term deposits, auto loans, payday loans, unsecured personal loans, and credit cards
Allow applicants to login and auto fill applications with their social media credentials
Enable visibility for the applicant into the originations lifecycle with an application tracker

Proactive Personal Finance Management

Enable customers to take control of their money by providing an overview of all their holdings
Offer dashboards for an quick overview of spend, goals, and budgets
Help customers analyze their spending patterns and expenditure
Offer financial goal management tools and help customers fulfill their aspirations
Provide budget management solutions that can prevent customers from spending excessively and help manage their finances as originally planned

Customer 360 with Account Aggregation

Offer consolidated view of a customer’s entire portfolio
Adhere to open banking regulations and leverage the ability to pull balances and transaction information securely using open APIs
Avoid attrition to fintechs, retain customers, and build loyalty
Launch account aggregation as a standalone capability as well as preintegrated with Oracle Banking Digital Experience

Comprehensive Islamic Banking Capabilities

Offer Islamic banking customers the latest in omnichannel banking
Compliant with Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) standards
Supports Islamic and conventional banking on a single platform
Supports Islamic banking products like Murabaha, Istisna, Tawarooq, Musharakah, Ijarah, etc.

Oracle Banking Digital Experience Featured Resources

Oracle ranked as market leader

Oracle Banking Digital Experience provides an open, standards–based architecture with separate presentation, business services, and integration tiers.

View the report (PDF)