ORACLE BANKING
    DIGITAL EXPERIENCE
    the application has a full-fledged backend that can be used as a standalone system, and front-end solutions for online and mobile banking
    • 23+ mln
      users has one of the Banks running on OBDx
    • 200+
      of banks in the world use Oracle OBDx solution as the main channel
      of interaction
    • 33+
      countries use an OBDx solution localized for local legislation
    SYSTEM ARCHITECTURE
    All three layers of the OBDx solution can be used separately from each other or in conjunction with third-party systems:
    For example, using only the back-end functionality of the application, with a front-end solution written for the client.

    The system is pre-integrated with Oracle Flexcube ABS, but can also work with any other ABS system of the Bank.

    OBDx FUNCTIONALITY
    The following is a description of the core business functionality,
    supported by Oracle Internet Banking modules.

    A detailed technical description of the full list of modules
    is available on a separate page.
    PERSONAL SERVICES
    Originations
    • KYC, underwriting and verification in third-party services
    • Processing of applications for various types of products
    • Pre-approved loans

    Single Financial Management Center
    • Ability to manage third-party bank accounts
    • Budgeting and spending analysis
    • Goal setting

    Major banking products
    Loans - contract details, repayment schedule, autopayments, statements.
    Credit cards - limit settings, payments, card operations (pin code change, sms-informing), statements.
    Account maintenance - history of transactions, blocking and limits, statements, wallets.
    Deposits - basic operations on creation, withdrawal, replenishment, closing.
    Investment products - account opening, risk profiling, transaction reports, capital gains, dividends.
    Islamic banking - accounts, deposits.
    Customer support - notifications and reminders, chat, session tracker, etc.
    PAYMENTS
    Intra-bank, domestic and cross-border transfers
    Autopayments
    Online and QR code payments for merchants
    Electronic Bill Presentment and Payment (EBPP)
    Support for the single European payment standard SEPA
    Support for payments specific to the Republic of Uzbekistan
    CORPORATE BANKING
    Onboarding
    • Maintenance of related persons and organizations
    • User management
    • Transaction Management
    • Limits
    • Reporting
    • Document management, document upload

    Core banking products
    Accounts - statement of transactions, credit and deposit operations, transaction locks
    Payments - bulk payments, online/in-store payment acceptance, payment tracking with SWIFT GPI, payer categorization, document handling
    Loans - corporate loan applications, loan disbursement, document upload, mobile-enabled bilateral loan servicing, loan summary, SWIFT messages and memos
    Work with files - file upload ( CSV, XML, XLS, XLSX, pain-formats - SDSC, SDMC, MDMC )
    Workplaces of employees - executor, coordinator, etc.
    Reporting - dashboards on operations, etc.
    Other services
    Cash management - receivables and payables, cash flow forecasting and actual analysis, point-of-sale collection
    Liquidity management - monitoring of reconciliations, holiday exchange rate management, intercompany loans
    Supply management - counterparty management, invoice financing, overdue financing, reconciliation information, shipment financing, dynamic discounting
    Virtual account management - special tariffs for virtual accounts, statements, payments, virtual accounts for creating liquidity management structures, separate settlement account for virtual accounts
    Asset management - creation and modification of objects, valuation and revaluation of collateral
    Foreign exchange operations - booking transactions, flexible currency transactions
    Trade Finance - 360 view of trade transactions, view, request and modify letters of credit and guarantees, import and export letters of credit, preview SWIFT message with rates, letter of credit transfer, Islamic trade finance, direct dispatch by letter of credit and collection.

    FULL LIST OF MODULES WITH DESCRIPTIONS
    • Ability to independently create screens using drag & drop, as well as linking screens to APIs
    • Customer feedback analytics, reports and dashboards
    • Customization of lead generation
    • Customization of authority roles
    • etc.

    WANT TO KNOW MORE?
    Together with Oracle employees and implementation partners, we can organize a free in-person seminar at your Bank.

    We coordinate in advance with business and IT departments the program on the products you are interested in and travel for several days to conduct a demonstration of the systems and answer all your questions.

    Submit a request for a seminar at your bank using the button below:
    FILL OUT THE WEBINAR FORM