Post on 10-Jun-2020
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Safe Harbor Statement
The following is intended to outline our general product direction. It is intended for information purposes only, and may not be incorporated into any contract. It is not a commitment to deliver any material, code, or functionality, and should not be relied upon in making purchasing decisions. The development, release, and timing of any features or functionality described for Oracle’s products remains at the sole discretion of Oracle.
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Copyright © 2019, Oracle and/or its affiliates. All rights reserved.
O ra c l eI n d u st r yV i ew p o i nt
Collaborate, Innovate & Scale with DigitalTransforming to Bank of Tomorrow, Today
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
Digital Bank of Tomorrow
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Ecosystem FinTechs
Products & Analytics Investments Insurance LoansPaymentsAccounts
DataKYC AML Profitability Offers Insights MonetizationRisk
Life Moments Discover Engage Acquire ServiceCross Sell
Advocacy
PaymentsSavings
ERP offersKYC
PFM
Products GamificationLoans
Data Visualization AdvisoryPlatform
Originations
Loyalty
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
Building Blocks for Digital Bank of Tomorrow
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Participate in Open Banking
Ecosystem
Frictionless Originations over Digital
channels
AI capabilities for Instant Service and
Payments
Superior User Experience across
channels
Deepen engagement by offering value
added services
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World’s first mobile only bank offering all bankingservices using a mobile device
Savings account opening in less than three minutes,leveraging on captive telco customer base
Digital personal unsecured loan disbursement within
eleven minutes in bank account
Pioneered five minute customer on-boarding and,
account opening process with superior customer experience
as a sustainable differentiator
Banks offering “Frictionless” Digital Origination across Deposit and Loan Products
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
Customer Journey for Digital Account Origination
Confirms preferences
Application is approved
Customer is ready to operate the account
Bank generates account number and enables digital
banking
Customer views a
product offer at social media
Provides personal
information
Authorises to seek information
from LinkedIn
Authorises KYC Verification
CORE BANKING
Shares experience on Social Media
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. | 7
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
Simplified Origination for a Personal Loan using a mobile device
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Copyright © 2019 Oracle and/or its affiliates. All rights reserved. | 9
Simplified Origination for a Personal Loan using a mobile device
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. | 10
Simplified Origination for a Personal Loan using a mobile device
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. | 11
Simplified Origination for a Personal Loan using a mobile device
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. | 12
Simplified Origination for a Personal Loan using a mobile device
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
Self-Service Origination
o Save and resume
o Fill application faster
- LinkedIn andFacebookintegrations
- OCR partnerintegrations
o Offer Acceptance
Oracle offers Multi-Product Originations across Channels
o Multi-Product Origination
- Savings and checking
- Term deposit / Certificates ofdeposits
- Credit Cards
- Auto Loans
- Personal Loans
- Mortgages loan and InPrinciple Approval
- Payday Loans
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Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
Superior User Experience across Channels and Devices
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Intuitive, Context Aware Retail and Corporate Customer Dashboards
Personalised Dashboards based on customer’s Digital Behavioral Insights
Mobile First approach leveraging native device capabilities
Account Aggregation Capabilities to Provide a View of Holdings Across All Banks
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
AI capabilities for Instant Banking Services
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Converse with the Bank’s Chatbot in Natural Language
Available In-App (Pre-Login) and on Facebook Messenger
Siri voice based payments
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. | 16
Deepen engagement by offering value added services such as Personal Finance Management tools
Budgeting Plan Future Goals
Expense Tracking
Spend Analysis
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
Complete business APIs - building blocks of a digital platform
Pre-built Collection of over 1500+ RESTful services
Accounts
Payments
Credit Cards
Party
Deposits
Customer Financial Insights
Calculators
Loans
File Upload
Approvals
Entitlements
Originations
Wallets
Miscellaneous
Enumerations
Configurations
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Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
Easy Discovery and Rich API Documentation
• Oracle Banking APIs provides rich andextensive API documentation onSwagger
• Ensures APIs are built according toindustry-defined standards
• Ready for outbound discovery
• Lift and Shift API Libraries
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User-friendly UI makes it easy to Discover and Consume
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
Oracle Fintech Ecosystem Hosts Events for Banks to Interact with Innovators
• 2 Fintech's built integrations to their solutionswithin an hour
• 13 Fintech's finished implementing One Usecase each within the 2 days
• Innovative Use Cases Showcased:– RegTech platform making onboarding simpler
using AI and Blockchain– AI and Natural Language processing Chatbot– Corporate Expense Management– Financial marketplace– Machine Learning based advise for financial goals
The Oracle Financial Services Hackathon #OracleBankingAPIs
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Complete Digital Banking Platform
Superior Customer Experience• Next generation customer
centric UX
• Mobile-first approach
• Hybrid mobile applications
• Support for wearables
• Social media based payments
• Simplified Authentication
• Retail and CorporateDashboards
Customer Engagement• AI Powered Chatbot
• Push Notifications
• Quick Banking ProfileSnapshot
• Helpdesk
• Feedback
Comprehensive Business Functionality• Retail• Corporate• Trade Finance• Payments• Originations
Empower the Citizen Developer• Dashboards• Limits• Approvals• Transactions• User Management
Multi-Entity Enablement• Multi-tenant support to deploy
multiple Brands and Countryentity’s on commoninfrastructure
• Corporates provided access toaccounts across entities/countries with a single sign on
Open Banking APIs• Fintech Collaboration
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
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Omni Channel Customer Experience, Open Banking Through Contemporary Architecture
Enterprise Class
Security
Content Management
Document Management
Monitoring
3rd Party Collaboration
Image Recognition
Enterprise Applications
Services
Marketing/Sales
Social
Intelligent Bots Cloud Service
Business Services
E-Sign
RDC
Fraud Management
Analytics, AI, ML
IOT
Framework Capabilities & Common Services
Multi-Entity
File Uploads
Approvals
Alerts & Notifications
Limits
Customize User Experience
Security
Strong Customer
AuthenticationPersonalization
Workflow Orchestration
ConfigurationsTouch Points Management
Consent Management
GoalsElectronic
Documents
Customer 360 View
Service AccountOriginate Account Customer Delight
App Tracker
Instant FundingOmni Channel Engagement
Customer Communications
Payments
Customer Financial Insights
Service Request
Bulk Payments
Trade Finance
App Capture
Channel Portal Mobile Applications Security Applications
Product Processors
Deposits Payments CardsTrade
FinanceLending
Liquidity Management
Virtual Accounts
Revenue Management & Billing
PricingCollectionsFX
Quick Form Fill
Corporate ERP Contact CentreCustomer
User Management
CorporateRetail SME
Forex Trading
Bill Management
Entitlements Management
Multiple host support
Access Management
Audit logging
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
Build Buy & Build
Buy Buy
Buy & Build with Oracle
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Flex
ibili
ty
Maturity
Low
High
Low High
Low
Low
High
High
With Oracle you get the best of both worlds – high flexibility & high maturity
Buy OR Build? Maturity OR Flexibility? Why not get both!
Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |
23Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |