4. ORACLE BUSINESS & CONSUMER BANKING COVERAGE
ALL USERS Customers Agents Partners White Label Staff
TOUCH POINTS Internet Mobile/PDA KIOSK Phone Branch Surface Mail ATM
Business Lending Retail Corporate Financing Broking Funds Treasury Asset Mgmt
Distribution Marketing Sales Origination Service
DISTRIBUTION Processing
PLATFORM
Infra Services Dashboard Alerts Workflow SLA Escalation Offers Personalization
CORPORTE ADMINISTRATION TRANSACTION PROCESSING
Deposits Wealth Management Lending Distribution Processing
Finance Letters of Credit & Bank
Term Deposits Profiling & Planning Portfolio Definition Loans Decisioning engine Foreign Exchange
Guarantees
Risk Target Savings Plan Scoring Collections
Asset Allocation Corporate Actions Money Markets Bills & Collections
Certificate of Deposits Mortgages Leasing
Compliance
Simulations Mutual Funds Swaps & FRAs Funds Transfer
Safe Deposit Box Revolving Loans Overdrafts
HR Performance
Order/ TXN Capture Securities Cash & Liquidity Management
Savings/ TXN Accounts Analysis
Loan Syndications & Project Loans
Procurement
Standing Orders Portfolio Administration & Valuation Impaired Assets Management Features & Options Nostro Reconciliation
SHARED Customer Master Entitlements Charges Pricing Limits
SERVICES Collateral Management Expense Processing Reports Payments Alerts & Notifications
SECURITY
Authentication Multi Factor Authentication One Time Password Access Control Single Sign On Identity Federation
SERVICES
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5. ORACLE BUSINESS & CONSUMER BANKING COVERAGE
ALL USERS Customers Agents Partners White Label Staff
TOUCH POINTS Internet Mobile/PDA KIOSK Phone Branch Surface Mail ATM
Multi-Channel Banking
Business Lending Retail Corporate Financing Broking Funds Treasury Asset Mgmt
Distribution Marketing Sales Origination Service
DISTRIBUTION Processing
Process Centric Real Time Banking
PLATFORM
Infra Services Dashboard Alerts Workflow SLA Escalation Offers Personalization
CORPORTE ADMINISTRATION TRANSACTION PROCESSING
Deposits Wealth Management Lending Distribution Processing
Finance Letters of Credit & Bank
Term Deposits Profiling & Planning Portfolio Definition Loans Decisioning engine Foreign Exchange
Guarantees
Risk Target Savings Plan Scoring Collections
Asset Allocation Corporate Actions Money Markets Bills & Collections
Certificate of Deposits Mortgages Leasing
Compliance
Simulations Mutual Funds Swaps & FRAs Funds Transfer
Safe Deposit Box Revolving Loans Overdrafts
HR Performance
Order/ TXN Capture Securities Cash & Liquidity Management
Savings/ TXN Accounts Analysis
Loan Syndications & Project Loans
Procurement
Standing Orders Portfolio Administration & Valuation Impaired Assets Management Features & Options Nostro Reconciliation
SHARED Customer Master Entitlements Charges Pricing Limits
SERVICES Collateral Management Expense Processing Reports Payment Services Hub
Payments Alerts & Notifications
SECURITY
Authentication Multi Factor Authentication One Time Password Access Control Single Sign On Identity Federation
SERVICES
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6. Agenda
Oracle in the FSI Industry
Multi-Channel Banking
Enabling Process Centric Financial Institution
Payment Services Hub
Real-Time Banking
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7. CUSTOMER EXPERIENCE RATING AND VALUE FOR FSI
Financial services companies are in the middle of the pack, but the Improving the customer experience drives loyalty and boosts revenue
gap between leaders and laggards in banking has widened.
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9. MULTI CHANNEL DELIVERY
CURRENT CHALLENGES
Silo channels and products
impede:
Customer
• Consistent customer experience
• Single view of customer information
• Flexibility to meet new customer needs
Branch Unsecure Corporate Individual Mobile
Website Internet Internet Banking Reduced customer retention
Banking Banking
Decreased wallet share
Hardwired Reduced efficiency
ESB
Backend Banking Systems
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10. Interact With Customers Seamlessly Across Channels
Vision for the Bank
Customer
Branch/ Mobile Banking
Unsecure Corp Internet Banking Internet Banking
Relationship
Website
Single View of Financial
Consistent customer
Institution
experience
Multi-channel delivery platform
Unified Platform for Consistent Customer Experience Across Channels
Common customer, product information
Single View
Of Customer
Increased opportunities
for revenue growth
Backend Banking Systems
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11. MULTI CHANNEL CUSTOMER EXPERIENCE REFERENCE MODEL
Webcenter Suite
Business Process Management
Enterprise Rules
Service Bus
Data Integrator , Golden Gate
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