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 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.
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.
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.
Discover how our customers experience digital banking transformation
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 BankingJump-start your digital transformation
Oracle FLEXCUBE is a complete suite of banking solutions for retail, corporate, and investment banking, Islamic banking, and investor servicing. With modern, digital, shrink-wrapped, preconfigured, interoperable, scalable, and connected capabilities, Oracle FLEXCUBE solutions can help catapult banks to the forefront of digital innovation and leadership.
Explore Oracle FLEXCUBE Universal BankingImprove 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 Default ManagementRetain 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.”
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 PlatformsOffer 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 APIsEfficiently 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 SolutionsBuild 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 SolutionsDeliver 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.”
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.