Safe Harbor Statement - Oracle...World’sfirst mobile only bank offering all banking services using a mobile device Savings account opening in less than three minutes, leveraging

Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |

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


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


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


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


Simplified Origination for a Personal Loan using a mobile device

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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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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


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


Deepen engagement by offering value added services such as Personal Finance Management tools

Budgeting Plan Future Goals

Expense Tracking

Spend Analysis


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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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


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


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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


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!


23Copyright © 2019 Oracle and/or its affiliates. All rights reserved. |