The Oracle FLEXCUBE core module provides core functionality according to the key design principles of customer-centricity, online and real-time, multi-currency, multi-subject, and parameterization. It includes a centralized customer information function (CIF), commodity ledger, reporting and MIS functions, and all other core static data and functions such as currency tables, interest rate tables, exchange rate tables. The base module also includes an access and security management function that provides user management through fine-grained, role-defined access control.

Oracle FLEXCUBE's CASA module helps banks manage account creation and transaction processing for all customer accounts, whether they are savings or current accounts of all types (regular savings, current, current with overdraft). Oracle FLEXCUBE is a parameterized solution, so users can create accounts with specific characteristics such as class or type of account, whether the account type is joint or single, account reporting lines, the currency in which transactions can be conducted on a given account, checkbook/passport book/ ATM, etc. Flexible pricing, 360 degree view of the customer, ability to generate a consolidated statement, etc. - are the features through which banks can improve customer satisfaction. From the bankers' point of view, banks can blacklist customers on the basis of certain pre-defined criteria, reissue checks thereby effectively managing expenses, request and send transactions to any branch without leaving the branch are some of the features that will be useful to the users.

The Term Deposits module supports processing of various types of deposits - simple term deposits, demand deposits, auto-deposits or cluster deposits. The full cycle of term deposit processing is supported - deposit reservation, periodic interest accrual, interest calculation or interest capitalization, generation of periodic statements and vouchers, and termination of deposits based on foreign currency deposit term instructions.

The Retail and SME Loans module supports various types of loan products for retail and corporate customers, which can be fixed or floating rate, secured and unsecured loans. The module supports various loan products such as personal loans, auto loans, bridging loans, home improvement loans, vacation loans, student loans, salary loans, etc. Loans can be either short term or long term.

The standing payment orders module effectively automates the processing of customer orders by account, with funds moving between accounts on a periodic basis from one to one or one to many or many to one account.

The FLEXCUBE Universal Banking Nostro Reconciliation application tools fully automate the reconciliation of internal or external statement records to the corresponding Nostro or Vostro account records.

This Gateway module can be used to integrate Oracle FLEXCUBE with any real-time system using a variety of mechanisms. As a service-oriented architecture application, this gateway opens Oracle FLEXCUBE to partner systems for SOA-based integration.

Oracle FLEXCUBE's flexible interface helps process both financial and non-financial transactions. The interface allows you to first validate each transaction request against the Oracle FLEXCUBE database and then conduct transactions in the system. The interface with the Switch software suite supports ATM and point-of-sale transactions from bank terminals or merchant platforms such as VISA or MasterCard. The Switch interface also supports transactions using Interactive Voice Response (IVR).

A customer initiates a normal purchase at the Merchants POS terminal. This purchase request enters Oracle FLEXCUBE through the Switch interface. Based on the purchase, the product is determined and preferences are taken into account. Depending on the class of the message, either a 2-4 amount lock or an account posting is performed. When blocking amounts, all accrual components are taken into account. The account balance is recorded after the amounts have been posted.

Relationship-based pricing is the pricing of services offered to a customer based on the total volume of business they do or could potentially do. In this case, special pricing over and above standard product pricing is offered to a specific set of customers. This is usually realized in the form of discounts, rebates or offsets against standard prices. Customers may also be offered a combination of products in the form of a package. Price concessions are given to customers based on customer relationships, product bundling or combination of products.

As part of its services, your bank may offer a safe deposit box service to its customers. These boxes, or lockers as they are also called, can be of different sizes depending on the contents that will be placed in them, customer demand for different types of boxes, and the price or rent you charge. In this module, you can define lockers, associate them with storage units, create products based on the locker specifications, and use them to create contracts.

This module allows you to create, extend and support FLEXCUBE features without affecting the core product. Oracle FLEXCUBE Development Workbench for Universal Banking is designed with back-office IT staff in mind. With this tool, banks can respond quickly to business or regulatory requirements and increase bank flexibility.

The Fixed Assets module is a complete Oracle FLEXCUBE front-end module that captures and tracks the characteristics of your bank's fixed assets. With this module, you can clearly identify the various applicable events and manage all activities during the useful asset lifecycle. The product definition feature, which is at the heart of Oracle FLEXCUBE's design, allows you to create products for specific fixed assets that you install. The module allows you to flexibly define components (charge), constraints (branch), preferences, events, and accounting entries in "Classes". When defining a product, you simply need to associate it with the different classes you have created.

Banks incur many costs in performing their day-to-day functions. The Expense Processing (XP) module in Oracle FLEXCUBE deals with paying vendors for all types of expenses incurred by the bank. The main features of the module include:

- The Expense Processing module processes and controls expenses - advances, reimbursement claims, and accounts payable.
- It also stores purchase order details related to the organization's expenses.
- It allows payments against advances, records deductions collected and paid, etc.

It is primarily a back office system. It includes a comprehensive contract processing and management reporting system.

Oracle Banking Trade Finance automates the entire cycle of trade finance transaction processing. The feature-rich solution helps banks improve customer satisfaction and retention. It also provides the flexibility to adapt to the complex rules governing international trade.

Oracle Banking Trade Finance Process Management improves operational efficiency and reduces manual errors through the ability to maintain and reuse standardized information such as clauses, commodities, INCO terms, free-form texts, applicable taxes, and branch parameters.

Oracle Banking Treasury Management enables banks and financial institutions to adapt to changing regulatory reforms in the treasury markets and improves overall operational efficiency.

This product provides end-to-end trading capabilities for a variety of trading instruments in foreign exchange markets, money markets, securities markets, derivatives and OTC products.

It provides the ability to create extensions on top of the base product. These extensions include the creation of Oracle Banking Micro services Architecture and Oracle Banking Micro services Architecture-based micro frontend. Oracle Banking Extensibility Workbench also provides complete application lifecycle management for its services and micro frontend, including version control, creation, testing and, most importantly, integration with the base product.

"Industry Module" is an intuitive widget-based dashboard that provides useful information, detailed views, and provides a holistic view of immediate tasks/actions.
and provides a holistic view of immediate tasks/actions.
The Branch module provides an intuitive and actionable 360-degree view of customers with detailed analysis, individual and household views, enhanced and personalized product recommendations.

This enables you, as a teller, to deliver better customer-centric services and cross-sell and up-sell other bank products and services. The teller services in Oracle FLEXCUBE provide fast transaction entry with simple screens and make it easy to interact with customers.

Oracle Banking Limits Process Management is a comprehensive solution for lending institutions that supports various stages of credit transaction creation and processing. The solution enables banks to simplify the processes of credit proposal preparation, credit amendment, credit line closing, credit proposal evaluation, credit proposal evaluation restructuring and credit proposal transfer. It enables quantitative and qualitative analysis of corporate customers to provide targeted information for better decision-making.

Oracle Banking Collateral Process Management is a comprehensive middle office collateral solution that supports various stages of collateral creation and processing: It streamlines collateral valuation, collateral perfection, collateral validation, collateral release, collateral liquidation, collateral insurance and covenant tracking. It supports different types of covenants (internal/external, financial/non-financial covenants), both rule-based and formula-based. Allows users to upload/view and download financial documents of corporate clients.

The Enterprise Limit Management module allows the bank to aggregate and review customer risks based on their aggregation by risk profile. Centralized Limits provides the bank with internal risk assessment, limit setting and tracking, and risk aggregation across different business/product lines. Oracle Banking Enterprise Limits allows a bank to define and track credit limits by bank-defined credit risk criteria such as - country, industry, customer segments, products, etc.

The Enterprise Collateral Management module allows the bank to capture/record collateral at the liability level, multiple types of collateral, with margins determining the value suitable for lending. Multiple collaterals can be pooled with different percentage contribution to the collateral pool. Collateral pools can be linked to limits/credit lines.

Oracle Banking Corporate Lending enables banks to leverage digital capabilities in loan management, origination and servicing. Banks can effectively manage complex commercial lending processes, easily structure syndicated loans, and trade loan portfolios while reducing risk.

Oracle Banking Corporate Lending Process Management provides a digital pathway covering all corporate lending processes from inception to completion. It enables banks to meet customers' on-demand and customized financing needs and helps banks accelerate loan origination, servicing and closing.

Oracle Banking Cash Management offers comprehensive cash management solutions including collection management, accounts receivable management and cash flow forecasting.

Oracle Banking Liquidity Management solution supports techniques such as pooling, interest optimization and additional options for high yield investments such as money markets and time deposits, with the flexibility to meet country regulatory constraints. Using Oracle Liquidity Management, banks can provide accurate and consolidated real-time information to effectively manage corporate liquidity.

Oracle Banking Supply Chain Finance provides banks with comprehensive support to serve corporations with a variety of accounts receivable and accounts payable supply chain financing options for supplier-centric financing and buyer-centric financing that covers core pre- and post-shipment products such as reverse factoring, supplier financing, accounts payable financing, dealer financing, distributor financing, and channel sourcing finance.

Oracle Banking Virtual Account Management supports real-time consolidated visibility into account structure and offers intuitive dashboards for more efficient and faster decision making.

The Oracle FLEXCUBE Asset Management module is designed to help fund management companies manage investments for a fund and maintain fund accounting. The Asset Management module allows Oracle FLEXCUBE to create different funds with appropriate parameters and perform back-office processing for them, which includes portfolio maintenance, fund investments, fund accounting and NAV calculation. It is also required for certain Islamic finance products.

The Islamic finance module in Oracle FLEXCUBE captures and maintains parameters regarding the lifecycle of a financial contract after the application moves into the invoice processing phase.

Oracle FLEXCUBE Onboarding provides bankers with advanced capabilities and deep insights to put the customer at the center of the onboarding process. The solution streamlines and simplifies the enrollment and onboarding process for retail customers, accounts, deposits and loans. Designed for cloud and on-premises environments, the solution enables banks to provide customers with a consistent and seamless cross-channel experience. Built on a microservices architecture, the solution supports an integrated loan origination process across all service and self-service channels.

From a customer perspective, the solution helps the bank offer:

- A fast and seamless enrollment process
- Relevant and contextual products and offers
- Transparent real-time tracking of applications
- Better advice and guidance from bank specialists

The Cross-Border Payments module of Oracle Banking Payments provides built-in support for processing incoming and outgoing SWIFT payments. This module processes funds transfer transactions between financial institutions located anywhere in the world.

Funds can be transferred between two accounts of the same bank. Account-to-account transfers can be initiated as single payments or batch payments.

This module supports automated clearing house networks that transmit and settle electronic payments from individuals, businesses, financial institutions, and government organizations.

Domestic low value payments are local payments or payments restricted to a specific region.

This module supports end-to-end processing of outgoing and incoming payments in real-time based on SWIFT.
Gross Settlement (RTGS). High-value domestic payments are typically time-sensitive corporate
or interbank payments.

Payments can be of any value as long as they are processed by a central RTGS system,
typically operated by a central bank.

SWIFT FIN Y-Copy messages and settlement notifications are also supported.

Out of the box, TARGET2 (and other SWIFT-based RTGS systems), US Fedwire, India RTGS are supported.
RTGS.

This module supports the processing of bulk files from enterprise customers. Homogeneous and
mixed loads received in a single file can be processed if payments are to be transmitted in
any of the following payment modes:

- Internal low value (ACH) payment
- Domestic high value payment (RTGS)
- Cross-border payment
- Book Transfer

Rule-based customization is provided to create appropriate networks and payment types.
Consolidated or individual write-offs can be made for network batches.

This module supports formatting and messaging requirements over the SWIFT network for RTGS systems based on SWIFT MT FIN, SWIFT GPI, SWIFT Y-Copy.

This module includes a SWIFTNet connectivity framework that enables connection to SWIFTNet FIN to sending and receiving (SWIFT MT FIN, SWIFT GPI, SWIFT Y-Copy based on RTGS) messages via SWIFTNet FIN (e.g. via SWIFT Alliance).

Oracle Banking APIs Infrastructure provides the framework and infrastructure components of the Banking APIs omnichannel platform. It includes capabilities that enable financial institution users to customize and manage the application. Oracle Banking APIs Infrastructure enables a bank to build applications using APIs, partner with third-party providers, or offer banking as a service. Oracle Banking APIs enables a bank's customers to access banking services through any access point built by the Oracle Banking APIs Oracle Banking APIs also provides user interfaces for administrator capabilities for the various customizations and services offered by the application.

Oracle Banking APIs Oracle Banking APIs also provides user interfaces for administrator capabilities for the various customizations and maintenance offered by the application.

Oracle Banking APIs for Origination of Liability Accounts allows applicants, both existing customers and prospects, to apply for savings, checking and deposit products offered by the bank and also allows applicants to view/update/track their applications once they have been saved or sent.

Oracle Banking APIs for Origination of Credit Cards allows applicants, both existing customers and prospects, to apply for credit cards offered by the bank and also allows them to view/update/track their applications once they are saved or sent.

Oracle Banking APIs for Origination of Loans and Mortgages allows applicants, both existing customers and potential customers, to apply for unsecured personal loans, payday loans, auto/car loans and mortgage loan products offered by the bank and to view/update/track their applications once they have been saved or submitted.

"Oracle Banking APIs Corporate Banking" enables financial institutions to provide APIs for corporate banking products and services to integrate with various applications built for their SME and enterprise customers.

Oracle Banking APIs Corporate Banking includes APIs for the following functions:
- Account Inquiries,
- Customer Service,
- Corporate Loans,
- Time Deposits.
- Payee Services
- Transfers of funds to
- Own accounts
- Domestic accounts
- International accounts
- Payments on accounts
- Corporate loans
- Limits by line / requests by object

The Oracle Banking APIs for Trade Finance option contains functionality related to trade finance. The Oracle Banking APIs Corporate Servicing option includes the functionality listed below :

- Initiate a letter of credit
- Make changes to a letter of credit
- Review a letter of credit
- Initiate an external bank guarantee
- Review external bank guarantee
- Make changes to the bank guarantee
- Initiate bill of exchange
- View import bills
- View export bills
- View utilization of lines and limits
- Customer Acceptance - Corrections and Discrepancies

Oracle Banking APIs for Bulk Transactions" includes APIs for the functions listed below:

- Internal Payments
- Domestic payments
- International Payments
- Demand Drafts
- Mixed payments
- Creating payment recipients
- Creating a virtual account for VAM
- Create virtual account structure for VAM
- Create Payer ID for VAM
- Upload invoice file for SCF

To perform the above functions, if there are any infrastructure API calls: limits, account/transaction/rights access, 2FA, then these API calls will be measured as part of this SKU.

Oracle Banking APIs for Customer Financial Insights" enables financial institutions to provide APIs for personal finance products and services to integrate with various applications built for the financial institution's retail customers. It also supports aggregation services that allow banks to provide customers with an aggregated view of accounts held at different banks. The capability allows the bank's retail users to link accounts at other banks to their subscriber ID. The bank obtains account information from external banks using public APIs published by the external banks. Oracle Banking APIs Customer Financial Insights includes the functionality listed below:

- Personal Financial Management
- Create personal financial goals
- Manage personal financial goals
- Analyze expenses
- Budget maintenance
- Aggregation services
- Aggregated view of customer accounts in different banks

In order to implement the above functionalities, if an infrastructure API is invoked (limits, account/transaction/rights access, 2FA) the API call will be evaluated as part of this SKU.

Oracle Banking APIs for Development Kit allows banks to create new APIs and repurpose back-end product processor APIs into Open APIs.

The core system is responsible for user management, limits, transaction settings, transaction approval, security, alerts and notifications, as well as SMS banking, product catalog and product availability through various channels.

It is a tool for developing a user interface for an application that uses an API to retrieve data, which allows one screen to interact with another and generate screens for display to the end user. The tool is designed to minimize developer effort and time by automatically generating home screens with minimal user interaction. The tool also allows developers to make changes to existing screens created by them or provided out of the box that are developed using the UX Extension Kit tool.

Oracle Banking Digital Experience Originations for Liability Accounts includes functionality that allows applicants, both existing customers and prospects, to apply for retail passive products offered by the bank and also allows applicants to view/update/track their applications once they have been saved or sent.

Oracle Banking Digital Experience Originations for Credit Cards and Third Party allows customers to apply for a credit card. All they need to do is provide basic personal and financial information. The applicant can also define preferences, such as whether to add additional cardholders to the card and determine balance transfers.

Oracle Banking Digital Experience Originations for Loans and Mortgages provides loan and mortgage origination functionality to both prospective and existing customers. As required for loan and mortgage products, it provides functions to collect data from applicants and then utilize it in the loan origination process. In addition, it provides functions to track, manage and monitor submitted loan applications.

A set of business functions for servicing individuals, including: Accounts, Credit Cards, Loans, Deposits, Payments, invoicing and bill payment, service messages for customer interaction (secure mailbox). In this context, the offer is intended for servicing Individual Entrepreneurs.

A set of business functions for servicing legal entities, including: Accounts, Loans, Deposits, Payments, invoicing and payment, service messages for interaction with clients (secure mailbox), FOREX transactions, uploading transaction files (e.g. payroll).

Oracle Banking Digital Experience Corporate Trade Finance contains functionality related to trade finance. Some of these functionalities are related to letters of credit, external guarantees, and import and export bills of exchange.

The Oracle Banking Digital Experience Merchant Payments application provides the ability to interact with third-party merchants. A Merchant URL is provided for Merchant Payment transactions. Merchants can log in through this URL using merchant credentials. Financial services subscribers can then log in to the app and transfer funds to merchants as payments.

Oracle Banking Digital Experience Wearables provides "Watch Banking", a next-generation digital channel offered by banks to their customers to perform simple transactions on the go using a watch. This can be an Apple or Android watch from which the customer can initiate both queries and transactions.

Oracle Banking Digital Experience Personal Finance Management includes functionality for creating and managing personal financial goals. Oracle Banking Digital Experience Personal Finance Management also includes functionality related to expense analysis and budgeting for individuals.

Oracle Banking Digital Experience Wallets provides digital wallets to the user. With its help, the user can open a wallet, replenish it, transfer money to friends and relatives, pay bills and recharge the account. Receive funds from other users to their wallet. It is possible to view the history of requested funds, in which the user can accept or reject a transfer request, as well as send a reminder of those requests that have not yet been satisfied.