Retail Banking Solutions

Oracle’s retail banking solutions boost your ability to innovate and respond with speed and agility by moving core functions to a cloud-first model. Deepen loyalty and trust by delivering customer-centric digital banking and operational intelligence across your middle and back offices.

Mizuho Bank modernizes core banking operations with Oracle

Mizuho Bank modernizes its core banking system with Oracle solutions to support critical functions, enjoying the benefits of a high level of straight-through processing for deposit operations and cash management services.

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Oracle Named a Leader in 2022 Gartner® Magic Quadrant for Global Retail Core Banking

Gartner has recognized Oracle as a top core banking platform provider, with its complete retail banking solution suite that provides next-evolution capabilities—from a modern core to comprehensive business processes to an intuitive and engaging digital experience.

Read the press release

Rethinking the Digital Banking Platform: Essential Springboard to Banking 4.X

Oracle provides an omnichannel, core-agnostic digital banking platform that comes with extensive ready-to-use retail, corporate, and small and medium-size enterprise (SME) banking functionality.

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Discover how our customers experience digital banking transformation

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Deliver an exceptional cloud-ready, digital retail banking experience from acquisition to retention

Attract prospects, acquire customers, and grow them into champions

Build authentic relationships with customers in any digital channel with interactive product catalogs, seamless onboarding, and hybrid customer service, leveraging intelligence at every step.

Explore Digital Banking

Bring speed and convenience to deposits and lending

Go to market faster with customized and relevant deposit products, allowing for easy interest rate configuration. Originate loans across channels and shorten time to decision through automated processes and integrated analytics.

Explore Deposit and Lending Solutions

Improve loan performance with default management customized to your business

Offer each customer the best options to repay past due loans, based on loan characteristics and market conditions. Restructure your collection strategies to reduce risk and increase recovery rates.

Explore Enterprise Default Management Solution

Retain customers and reward loyalty with better pricing

Make better pricing decisions by centralizing pricing and revenue management across products, geographies, and customers. Build pricing that increases customer retention and loyalty.

Explore Revenue Management Solutions

“The market is changing—and our customers demand more flexible finance options.... We needed to upgrade our legacy system—and Oracle Financial Services Lending and Leasing delivered.”

Tyler Wilhite

Director, Product Management and Analytics, Kubota Credit Corporation

Create a digital banking transformation that thrives on change

Adopt new banking business models faster and drive efficiency with a digital core

Centralize your core banking operations on a single retail banking platform that manages front-office interactions, back-office transaction processing, and customers’ digital retail banking experiences.

Explore Core Banking Platforms

Offer innovative retail banking products and services faster with an open API

Integrate and share data securely with third parties such as fintechs to deliver the new retail banking products and experiences your customers demand.

Explore Ready-to-Deploy Banking APIs

Efficiently deliver immediate, secure payments

Provide payment options to customers where they are and when they want—while meeting their expectations for immediate processing.

Explore Payment Solutions

Build versatile asset finance programs

Create new revenue opportunities and give your customers better purchasing power by offering flexible financing options that are embedded in a variety of purchasing moments.

Explore Asset Finance Solutions

Deliver unified communications to your customers’ channel of choice

Close communication loops with your customers using consistent, multichannel communications that adhere to your brand and comply with corporate and regulatory guidelines. Reach out to customers with messages that are tailored to their needs.

Explore Customer Communications Management

“The Oracle Banking suite, with its microservices, API-ready platform, and short implementation time, fits perfectly into our technology roadmap.”

Ammar Kutait

Founder and CEO, W1TTY

Resources for retail banking solutions

Reboot the core of banking

A digital core banking platform is essential for navigating the continual shifts in banking.

Beyond banking: setting a new standard in asset finance

We launched the FinServ Café to provide a frequent, virtual forum for industry thought leaders and product experts to connect and discuss what’s being done today to strengthen resilience and accelerate transformation across the financial services industry.

Accelerating bank-to-bank collaboration with APIs

The banking-as-a-service (BaaS) model, powered by application-programming interfaces (APIs), allows any financial institution to make the most of its specialization and share its expertise. API banking technology has opened the door for greater collaboration between incumbent banks and innovators to meet and exceed customers' expectations.

Oracle Named a Leader in 2022 Gartner® Magic Quadrant for Global Retail Core Banking

Oracle has been recognized as a top core banking platform provider by Gartner with its complete retail banking solution suite that provides next-evolution capabilities from a modern core to comprehensive business processes to an intuitive and engaging digital experience.