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.

Mizuho Bank modernizes its core banking operations with Oracle.

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

01Establish competitive advantages

Maximize business agility, drive innovation, and capitalize on market opportunities. Diversify and scale business lines efficiently.

Learn from banking innovators
Gulf Bank leverages FLEXCUBE to drive business growth and optimize operations

02Optimize TCO

Streamline operations, optimize performance, and lower costs. Leverage multiple deployment options and operating models.

Read Ecobank’s transformation story

03Leverage the cloud

Leverage Oracle FLEXCUBE on Oracle Cloud Infrastructure, and take advantage of lower operating costs, enhanced availability, and security.

Deploy on Oracle Cloud Infrastructure
Unico Housing Finance leverages FLEXCUBE on Oracle Cloud Infrastructure

Find resources and more

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.

Read the press release

Financial Services Documentation

Oracle offers a wide range of documentation and tutorials that will help you learn more about Oracle FLEXCUBE Universal Banking. You'll find all of these resources and more in the Oracle Help Center.

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