Drive loans and credit growth

Drive lending growth while meeting consumer needs and regulatory requirements. Win customer loyalty with the ability to originate tailor-made products and relationship-based pricing. Redefine the approach to debt collections with digital self-help capabilities.

Oracle’s complete and robust set of offerings across the lending lifecycle is designed to transform a bank’s lending operations.

Modernize retail payments

Oracle’s payments solution enables retail banks to thrive in an environment of disaggregated systems and messaging standards, while delivering instant gratification, real-time capability, and lower cost per payment.

Its streamlined design ensures that banks can significantly improve customer experience and achieve faster reconciliation.

Banks that are part of an ecosystem of financial-technology institutions (fintechs) and third-party providers can leverage the solution’s unified payments processing to gain complete visibility and control over their payments transaction data.

Provide a truly omnichannel and engaging experience

Offer customers an engaging experience that seamlessly spans channels. Attract and onboard customers with context-aware, device-agnostic and, consistent services. Oracle Banking Digital Experience helps banks take complete control of digital channels and craft innovative user experiences.

Partner for growth and unlock new revenue streams

Participate in larger ecosystems, explore new business models, and drive innovative services across value chains. Maximize revenue by monetizing data and services through APIs. Build, publish, and manage services. Launch new offerings and take advantage of emerging opportunities.

Deliver customized pricing and deploy an efficient revenue and billing management system

Deploy customized pricing and billing that match buying patterns and context. Use diverse criteria to set pricing and billing requirements.

Oracle's solution enables banks to manage pricing and billing for products, customer type, branches, lines of business, and geographies across the complete revenue management lifecycle.