Oracle FLEXCUBE Universal Banking
Drive progressive transformation and continuous innovation with an agile, open architecture and cloud infrastructure.
Oracle FLEXCUBE Universal Banking accelerates business agility, streamlines connectivity, and optimizes operations.
Explore Oracle FLEXCUBE Universal Banking’s features
Build, expand, and scale offerings
Accelerate time-to-market and efficiently roll out tailor made offerings.
Comprehensive product portfolio
Quickly launch and manage a range of banking products, including current accounts, savings accounts, fixed deposits, recurring deposits, small savings, secured consumer loans, unsecured consumer loans, and overdrafts.
Centralized product administration
Easily manage large and complex portfolios of products and offerings. Centrally define and manage product configurations using rules, workflows, pricing structures, and other parameters to accelerate time to market and scale efficiently across the banking enterprise.
Extensive parameterization
Leverage granular parameterization to define and configure a wide range of tailor-made products and offerings with specific attributes, features, and rules for diverse customers and markets.
Streamlined interest and charges
Automate the calculation and application of interest and charges. Easily configure interest rules and charge structures to cater to specific product requirements and customer segments.
Flexible pricing
Roll out various pricing models, including fixed fees, tiered pricing, percentage-based charges, and relationship-based pricing. Define complex pricing rules based on various factors such as the customer segment, product type, transaction volume, and relationship history.
Adapt to evolving business dynamics
Capitalize on evolving customer needs and business requirements.
Support diverse business lines
Rapidly roll out products across different business lines, such as deposits and lending, and specific microverticals, such as Islamic banking, microfinance, and financial inclusion.
Extensive and configurable workflows
Leverage extensive predefined workflows that can be easily modified or extended. Quickly add new steps, change the sequence, or incorporate conditional logic to efficiently adapt to evolving business requirements.
Multidimensional agility
Drive operational flexibility across the banking enterprise and geographies with multientity, multitenancy, multicountry, and multilingual capabilities.
Enhanced interoperability
Access a comprehensive REST API library, an integration hub, and out-of-the-box support for standards such as SAML 2.0 and ISO 20022, as well as REST/XML/ASCII compliance, to enable streamlined integration with Oracle and third-party solutions.
Leverage built-in innovation to improve operations and performance
Optimize banking operations, lower costs, and explore new operating models.
Fast accounting
Leverage real-time customer balance updates and asynchronous general ledger postings for faster transaction processing, and gain support for various transaction processing requirements.
High performance
Optimize performance based on specific requirements and transaction patterns. Oracle FLEXCUBE Universal Banking is built on a high performance solution architecture to facilitate efficient transaction processing with both real-time and batch capabilities, efficient transaction queuing, and asynchronous handling.
Out-of-the-box localizations via clusters
Leverage localized clusters that cater to specific country or regional requirements and regulations. Get out-of-the-box, easily configurable functionality that complies with the specific banking regulations and market requirements of different regions.
24x7 banking
Deliver comprehensive, 24/7 banking with continuous, 24/7 availability and business and technology operations, even during peak hours and maintenance periods, and zero downtime during updates.
Key benefits
Establish competitive advantages
Maximize business agility, drive innovation, and capitalize on market opportunities. Diversify and scale business lines efficiently.
Optimize TCO
Streamline operations, optimize performance, and lower costs. Leverage multiple deployment options and operating models.
Leverage the cloud
Leverage Oracle FLEXCUBE on Oracle Cloud Infrastructure, and take advantage of lower operating costs, enhanced availability, and security.
Mizuho Bank modernizes its core banking operations with Oracle.
You may also be interested in
-
Oracle Banking Origination
Deliver streamlined, frictionless onboarding and originations.
-
Oracle Banking Branch
Transform branch engagement and deepen customer relationships.
-
Oracle Banking Digital Experience
Offer engaging digital customer experiences across channels.
-
Oracle Banking Payments
Optimize payments with a unified payment processing platform.
Find resources and more
