New Oracle Cloud Services Help Retail Financial Institutions Modernize Lending and Collections
Oracle (ORCL) has launched two new cloud services for retail financial institutions: Oracle Banking Retail Lending Servicing Cloud Service and Oracle Banking Collections Cloud Service. These services aim to modernize lending operations and are immediately available.
The Retail Lending Servicing solution features a flexible core product engine that optimizes loan management and enables automated processes with real-time intelligence. The Collections service offers comprehensive collection lifecycle management with configurable workflows and automated processes to reduce delinquency rates.
According to IDC research, approximately 30% of retail banks globally are prioritizing lending product innovation in 2025. The cloud-native services can operate independently or integrate with existing systems, offering quick provisioning and reduced disaster-recovery times while running on Oracle Cloud Infrastructure.
Oracle (ORCL) ha lanciato due nuovi servizi cloud dedicati alle istituzioni finanziarie retail: Oracle Banking Retail Lending Servicing Cloud Service e Oracle Banking Collections Cloud Service. Questi servizi mirano a modernizzare le operazioni di prestito e sono disponibili immediatamente.
La soluzione Retail Lending Servicing dispone di un motore di prodotto centrale flessibile che ottimizza la gestione dei prestiti e consente processi automatizzati con intelligenza in tempo reale. Il servizio Collections offre una gestione completa del ciclo di vita delle riscossioni con flussi di lavoro configurabili e processi automatizzati per ridurre i tassi di morosità.
Secondo una ricerca IDC, circa il 30% delle banche retail a livello globale darà priorità all’innovazione dei prodotti di prestito nel 2025. I servizi nativi cloud possono funzionare in modo indipendente o integrarsi con i sistemi esistenti, offrendo provisioning rapido e tempi ridotti di ripristino in caso di disastri, operando su Oracle Cloud Infrastructure.
Oracle (ORCL) ha lanzado dos nuevos servicios en la nube para instituciones financieras minoristas: Oracle Banking Retail Lending Servicing Cloud Service y Oracle Banking Collections Cloud Service. Estos servicios buscan modernizar las operaciones de préstamos y están disponibles de inmediato.
La solución Retail Lending Servicing cuenta con un motor de producto central flexible que optimiza la gestión de préstamos y permite procesos automatizados con inteligencia en tiempo real. El servicio Collections ofrece una gestión integral del ciclo de cobro con flujos de trabajo configurables y procesos automatizados para reducir las tasas de morosidad.
Según una investigación de IDC, aproximadamente el 30% de los bancos minoristas a nivel mundial priorizarán la innovación en productos de préstamos en 2025. Los servicios nativos en la nube pueden funcionar de forma independiente o integrarse con sistemas existentes, ofreciendo aprovisionamiento rápido y tiempos reducidos de recuperación ante desastres, operando sobre Oracle Cloud Infrastructure.
Oracle (ORCL)은 소매 금융 기관을 위한 두 가지 새로운 클라우드 서비스를 출시했습니다: Oracle Banking Retail Lending Servicing Cloud Service와 Oracle Banking Collections Cloud Service. 이 서비스들은 대출 운영을 현대화하는 것을 목표로 하며 즉시 이용 가능합니다.
Retail Lending Servicing 솔루션은 대출 관리를 최적화하고 실시간 인텔리전스를 통해 자동화된 프로세스를 가능하게 하는 유연한 핵심 제품 엔진을 제공합니다. Collections 서비스는 구성 가능한 워크플로우와 자동화된 프로세스를 통해 연체율을 줄이는 포괄적인 채권 회수 수명 주기 관리를 제공합니다.
IDC 조사에 따르면, 전 세계 소매 은행의 약 30%가 2025년에 대출 상품 혁신을 우선시할 예정입니다. 이 클라우드 네이티브 서비스는 독립적으로 운영되거나 기존 시스템과 통합될 수 있으며, 빠른 프로비저닝과 재해 복구 시간을 단축하면서 Oracle Cloud Infrastructure에서 실행됩니다.
Oracle (ORCL) a lancé deux nouveaux services cloud destinés aux institutions financières de détail : Oracle Banking Retail Lending Servicing Cloud Service et Oracle Banking Collections Cloud Service. Ces services visent à moderniser les opérations de prêt et sont disponibles immédiatement.
La solution Retail Lending Servicing propose un moteur produit central flexible qui optimise la gestion des prêts et permet des processus automatisés avec une intelligence en temps réel. Le service Collections offre une gestion complète du cycle de vie des recouvrements avec des workflows configurables et des processus automatisés pour réduire les taux de défaut.
Selon une étude IDC, environ 30 % des banques de détail dans le monde donneront la priorité à l'innovation des produits de prêt en 2025. Ces services natifs cloud peuvent fonctionner de manière autonome ou s'intégrer aux systèmes existants, offrant un provisionnement rapide et des temps de reprise après sinistre réduits, tout en fonctionnant sur Oracle Cloud Infrastructure.
Oracle (ORCL) hat zwei neue Cloud-Dienste für Einzelhandelsfinanzinstitute eingeführt: Oracle Banking Retail Lending Servicing Cloud Service und Oracle Banking Collections Cloud Service. Diese Dienste zielen darauf ab, Kreditvergabeprozesse zu modernisieren und sind sofort verfügbar.
Die Retail Lending Servicing-Lösung verfügt über eine flexible Kernprodukt-Engine, die die Kreditverwaltung optimiert und automatisierte Prozesse mit Echtzeit-Intelligenz ermöglicht. Der Collections-Dienst bietet ein umfassendes Management des Inkassoprozesses mit konfigurierbaren Workflows und automatisierten Abläufen zur Senkung der Ausfallraten.
Nach IDC-Forschung setzen etwa 30 % der Einzelhandelsbanken weltweit im Jahr 2025 Priorität auf Innovationen bei Kreditprodukten. Die Cloud-nativen Dienste können eigenständig betrieben oder in bestehende Systeme integriert werden und bieten schnelle Bereitstellung sowie verkürzte Wiederherstellungszeiten bei Ausfällen, während sie auf der Oracle Cloud Infrastructure laufen.
- New cloud services enable financial institutions to reduce operational risks and costs
- Solutions offer quick provisioning and integration capabilities with existing systems
- Services address a growing market need, with 30% of retail banks prioritizing lending innovation
- Automated processes and real-time intelligence can improve operational efficiency
- None.
Insights
Oracle expands banking cloud portfolio with lending services that align with financial institutions' modernization needs and current high consumer lending demand.
Oracle's new Banking Retail Lending Servicing and Collections Cloud Services represent a strategic product expansion targeting financial institutions at an opportune market moment. With the press release citing IDC data showing
These new services focus on critical operational components: loan portfolio optimization, risk assessment capabilities, and collections management. The flexible, scalable core product engine aims to automate complex processes that have traditionally been manual and inefficient within financial institutions. The tailored pricing capabilities could enable banks to create more competitive and profitable lending products.
The modular, componentized architecture allows banks to adopt these services incrementally rather than requiring complete system overhauls. This reduces implementation risk—a significant concern for financial institutions with mission-critical systems. The ability to run standalone or integrate with existing infrastructure provides adoption flexibility that traditional banking software often lacks.
By expanding their Banking Cloud Services portfolio to include these lending components, Oracle now offers a more comprehensive suite covering the entire retail banking operation spectrum. This positions them as a more complete solutions provider in the financial services vertical at a time when many institutions are accelerating their digital transformation efforts to meet changing customer expectations and operational challenges in lending.
Oracle strengthens vertical cloud strategy with modular lending services that enable incremental modernization and operational efficiency for financial institutions.
Oracle's introduction of specialized lending cloud services demonstrates their continued commitment to developing vertical-specific solutions rather than just generic cloud infrastructure. This approach differentiates their cloud strategy from more generalized providers by addressing industry-specific pain points.
The cloud-native, componentized architecture highlighted in the release reflects modern development approaches and offers adoption flexibility. Financial institutions—traditionally conservative with technology changes—can implement individual services without committing to full platform migration. This reduces implementation risk while still enabling modernization.
These services being built on Oracle Cloud Infrastructure (OCI) creates vertical integration that could deepen Oracle's relationships with financial clients. The technical advantages mentioned—automated patching, reduced disaster-recovery switchover times, and lower IT costs—address specific operational challenges faced by financial institutions managing lending systems.
The SaaS delivery model reduces implementation complexity compared to traditional on-premises banking software while providing continuous updates without major upgrade cycles. This creates potential for stable recurring revenue while addressing IT operational burdens.
By expanding their banking cloud portfolio to include lending services, Oracle strengthens their competitive position in the financial services vertical. The integration potential between these services and Oracle's existing banking cloud portfolio could create technical synergies for institutions using multiple Oracle services, potentially increasing platform stickiness once adopted.
Comprehensive services enable financial institutions to accelerate digital transformation, enhance portfolio performance, and improve borrower experiences
The new services are part of the broad Oracle Banking Cloud Services retail banking portfolio, which includes Digital Banking Experience, Banking APIs, Originations, Accounts, and Payments Cloud Services.
"We continue to deliver new innovations to our extensive portfolio of modular retail banking cloud solutions that empower financial institutions to evolve and improve critical operations in accordance with the demands and needs of their business," said Sonny Singh, executive vice president and general manager, Oracle Financial Services. "With consumer lending at a high, modernizing loan processes has become a business imperative and competitive differentiator for financial institutions. Using Oracle Banking Retail Lending Servicing and Collections Cloud Services, financial institutions can cut inefficiency from the entire loan lifecycle process while delivering more innovative pricing and improved experiences to their customers."
Oracle Banking Retail Lending Servicing's flexible, scalable core product engine optimizes loan product management and operations. The cloud service enables financial institutions to automate complex business processes and gain real-time intelligence to deliver new digital services and experiences that serve the evolving needs of customers. The offering also enables loan portfolio optimization and risk assessment capabilities for comprehensive loan product servicing, helping banks increase profitability and competitiveness through elements such as tailored pricing.
In tandem, Oracle Banking Collections supports the complete collection lifecycle and optimized management of delinquencies through extensive capabilities, configurable workflows, and automated processes. Financial institutions will be able to optimize collections operations, drive borrower-centric collection strategies, and reduce delinquency rates.
"According to IDC's Financial Insights Global Survey (2024), almost
Each of the cloud-native, componentized, and composable services in the Oracle Banking Cloud Services portfolio enable financial institutions to modernize with less risk and deliver faster time-to-value. Services can run standalone or integrate with existing systems, providing provisioning and availability in just minutes. They also enable automated patching and reduced disaster-recovery switchover times that can lower IT costs and burden. The services are built on the security, performance and scalability of Oracle Cloud Infrastructure.
To learn more, visit: oracle.com/financial-services/banking/cloud-services
About Oracle Financial Services
Oracle Financial Services provides solutions for retail banking, corporate banking, payments, asset management, life insurance, annuities, and healthcare payers. With our comprehensive set of integrated digital and data platforms, banks and insurers are empowered to deliver next-generation financial services. We enable customer-centric transformation, support collaborative innovation, and drive efficiency. Our data and analytical platforms help financial institutions drive customer insight, integrate risk and finance, fight financial crime, and comply with regulations. To learn more, visit our website at https://www.oracle.com/financial-services.
About Oracle
Oracle offers integrated suites of applications plus secure, autonomous infrastructure in the Oracle Cloud. For more information about Oracle (NYSE: ORCL), please visit us at www.oracle.com.
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SOURCE Oracle
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