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Unlocking the Full Revenue Potential in Transaction Banking

Rethink your revenue in the digital age and grow your top line with smarter pricing.

5 Revenue-Impacting Trends Shaping Transaction Banking Today


New competition and service commoditization

Banks are in the midst of a trade war with traditional and greenfield players. Global transaction banking products and services are becoming commoditized—with clear signs of decay in historically profitable services, such as check processing.


Increased complexity and globalization of investments

Corporate transactions and investments are increasingly global. There is significant growth in cross-border activity, an upsurge in alternative investments, and the use of alternative exchanges. This presents opportunity for growth and revenue diversification.


Threat of negative interest rates

The potential for negative interest rates in the UK, Europe, and elsewhere looms large. This reality threatens to increase cost and margin pressure for financial institutions that lack the ability to calculate and charge negative interest rates to clients. Market uncertainty also makes risk based pricing more challenging.


Focus on prescriptive regulation

In this environment, forward-looking banks have an opportunity to provide new value-add advisory services to help corporates navigate new regulatory complexity.


Elevated client expectations

Clients want more transparent pricing and prenotification of service charges as part of the shift to a “no surprise” culture around fees and billing and, they are more willing to shop for the best deal. This creates further pressure on revenues and increases competition for the right corporate customers.

Corporate banking client satisfaction is at record low*

Rethinking Your Revenue in the Digital Age

Get a grip on revenue leakage

Banks must understand where they are missing revenue opportunities before they can maximize them. What they can do are as follows:

  • Quantify lost revenue opportunities
  • Analyze where those missed opportunities are occurring (which customer segments, regions or product types)
  • Factor the impact of discounts on customer relationships and overall value

Focus on smarter, more transparent pricing

Your customers are demanding individualized personalized products and pricing. The push for transparency has become more urgent driven, in part, by regulatory requirements, but also by your clients' need to understand the true value of your services.

Conquer complexity and boost efficiency across the revenue management and billing cycle

In the wake of decades of merger and acquisition activity as well as caution in pursuing large-scale, big-bang technology modernization initiatives, financial institutions left with a patchwork of systems and manual processes for managing pricing, billing, and collections. These legacy systems—which are largely product centric versus customer-centric—are redundant, expensive to maintain, and prone to errors.

Disparate pricing and billing processes result in missed revenue opportunities that end up costing banks between 3% - 8% of their income.

Oracle Revenue Management and Billing

Offer the right product, to the right customer at the right price

Product and pricing clarity

  • Centralized pricing and billing across products, customers, lines of business, and geographies
  • Support for complex transactions
  • Improved pricing governance, with automated reminders for client performance reviews and up-pricing opportunities

Better customer management

  • 360-degree view of the customer, and relationship hierarchy
  • Set prices based on the total value of the customer relationship
  • Strengthen relationships with bundled pricing and discounts
  • Integrations with business−critical applications like CRM

Powerful analytics

  • End-to-end analytics—from capturing customer data to creating pricing simulations, structuring deals and tracking commitments
  • Get automated customer insights and changes in behavior to enable dynamic price decision
Oracle Revenue Management and Billing at a glance


Modernization in Action: Case Studies


Case study: Reducing pricing complexity

Business challenge

A global tier−one bank was growing rapidly, but its existing pricing engine did not allow it to bring new products to market quickly. The banks also mired in a regulatory project that was driving the need for fee transparency, and its existing platform could not support that requirement. It was time for a new approach.

Why Oracle Revenue Management and Billing was leveraged

The bank selected Oracle to modernize its global custody operations.

  • A unified tool for relationship managers to manage the sales process more efficiently
  • Integration with CRM environments
  • Data−driven insights for more accurate pricing decisions


  • Realized $50 million in revenue by leveraging Oracle's insights to retire 19 solutions and optimize current pricing structures.
  • Recouped investment in six months
  • Improved compliance by reducing the incidence of out-of-policy pricing.
  • Reduced complexity and costs by consolidating 20 billing and revenue management systems to one

Case study: Offsetting negative interest rates

Business challenge

A multinational bank was facing a challenge in the wake of negative interest rates. A negative rate for the European Union (EU) had increased cost pressure on the bank, which also has operations in the UK. The inability to pass on the costs to the client resulted in huge sums of deposits sitting in accounts. The bank’s core banking platform did not have the capability to calculate and charge negative interest rates, and changes to the UK billing platform would be time-consuming and expensive.

Why Oracle Revenue Management and Billing was leveraged

  • Oracle partnered with the bank to complete the project in less than six months
  • For the EU operations, the bank can now calculate each charge and bill according for it
  • For the UK operations, the bank was able to continue billed transactional fees

Get Started Today—Advance Your Global Transaction Banking Goals

Oracle's Revenue Management and Billing platform gives banks a data-powered, 360-view across the revenue management lifecycle. It drive efficiencies through integrated workflow automation powered by a configurable rules-driven engine. It can also help you to achieve the below transaction banking goals:

  • Generate new opportunities for fee-based income streams
  • Accelerate onboarding with a clear link between volumes/price and income
  • Improve cash management with multi−currency cash pools, physical pooling/cash concentration, and notional pooling capabilities
  • Meet regulatory requirements, including know your customer (KYC) and anti-money laundering (AML)
  • Bolster trade finance and price according to weighted risk based on transaction type
  • Reduce payment suspension related to increased regulation by managing payment charges in real-time and handling typical OUR/BEN/SHA arrangements
  • Increase transparency and reduce costs by delivering electronic statements via industry standards, such as CAMT.086 and TWIST