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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.

Digital Banking for New Age Customers
XCelent Awards 2021: Corporate Digital Banking Platforms Report

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.
Serve retail, SME, and corporate banking customers on a single platform.
Connect with customers at their point of need with multinodal support.
Connect with customers at their point of need with multinodal support.
Build and customize banking experiences beyond the limits of the imagination.
Build and customize banking experiences beyond the limits of the imagination.
Approve and execute retail and corporate transactions on wearables.
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

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 in the “Ovum Decision Matrix: Selecting a Digital Banking Platform, 2019”

Oracle ranked as market leader

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

Business brief: Digital Lifestyle Banking on the Cloud

Business brief: Digital Lifestyle Banking on the Cloud

Leverage cloud technology to modernize your bank’s proposition and serve large client segments efficiently.

Datasheet: Oracle Banking Digital Experience

Data sheet: Oracle Banking

The world today is a tightly connected ecosystem operating on digital platforms.

Related Solutions

Oracle FLEXCUBE Universal Banking

A comprehensive solution for retail, corporate, and investment banking functions.

Oracle Banking APIs

A packaged API solution to fast track API banking and connect banks with fintechs and corporates to unlock new revenue streams.

Oracle Banking Payments

Improve straight-through-processing, support immediate payment settlement, and drive innovation.

Oracle in Corporate Banking

Enable a hyper-connected corporate banking ecosystem and go beyond traditional functions.

Oracle Banking Liquidity Management

Run a single, centralized, real-time liquidity management solution for digitally savvy corporates.

Oracle Banking Virtual Account Management

Banks can enable corporates to manage complex global account structures, control capital, centralize cash, and automate reconciliation.