Oracle Reimagines Banking for the AI Era with New Agentic Platform

Rhea-AI Summary

Oracle (NYSE:ORCL) unveiled an AI agentic platform for retail and corporate banking on Feb 3, 2026, delivering enterprise AI applications, frameworks, and pre-built agents to enable conversational interfaces, autonomous agents, and human-in-the-loop governance.

The platform is available today and includes agents for product brochure generation, application tracking, qualitative credit decisioning, collections automation, call summarization, and call compliance; Oracle plans to expand to hundreds of retail and corporate agents within the next 12 months.

Positive

• Platform available today for retail and corporate banking deployments
• Agents designed to reduce AHT and speed application completion and credit decisioning
• Commitment to expand to hundreds of agents within 12 months, broadening capabilities

Negative

• None.

Argus Feb 3 session

-3.37% close to close Open Argus

Details

News Market Reaction – ORCL

On Feb 3, the day this news came out, ORCL closed 3.37% below the previous close.

Data tracked by StockTitan Argus for the Feb 3 session.

Key Figures

Planned banking agents: hundreds of agents ATM equity program size: $20 billion Outstanding shares: 2,872,573,090 shares +4 more

Planned banking agents

hundreds of agents

Retail and corporate banking agents planned within next 12 months

ATM equity program size

$20 billion

At-the-market common stock program via multiple sales agents

Outstanding shares

2,872,573,090 shares

Common shares outstanding as of November 30, 2025

Depositary shares offered

100,000,000 shares

Depositary Shares for Series D Mandatory Convertible Preferred Stock

Preferred liquidation preference

$100,000 per share

Liquidation preference of each Series D preferred share

Depositary share preference

$50 per depositary share

Each Depositary Share represents 1/2,000th of a preferred share

Sales commission rate

0.50%

Maximum commission on each share sold under ATM program

Previous AI Reports

5 past events · Latest: Jan 29

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2. Nov 19

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3. Nov 18

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4. Nov 05

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5. Oct 15

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24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Key Terms

after handle time, fair debt collection practices act

2 terms

after handle time technical

"The Collector Call Summarization agent generates call notes from transcripts, dramatically reducing AHT (after handle time)"

After handle time is the extra work time a customer-service agent spends after a phone call, chat or support interaction finishing tasks such as updating records, filing notes or arranging follow-up. For investors, it matters because longer after handle time raises labor costs and reduces how many customers a team can serve, which can hurt profitability and customer satisfaction—think of it like cleaning up your desk after a meeting before you can start the next one.

fair debt collection practices act regulatory

"analyzes call tone and sentiment for regulatory adherence (like the Fair Debt Collection Practices Act)"

A U.S. federal law that sets clear rules for how debt collectors may contact and treat people who owe money, prohibiting abusive, deceptive, or unfair practices and protecting consumer privacy. It matters to investors because it affects the legal risk, compliance costs and cash recovery for companies that lend money or buy overdue debts—like a referee and a rulebook that influence how reliably firms can collect owed payments and avoid fines or lawsuits.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Enables retail banks to elevate customer experiences and operational efficiency, helping position them for leadership in the new landscape of intelligent, AI-first banking

NEW YORK, Feb. 3, 2026 /PRNewswire/ -- Oracle Financial Services Summit -- Oracle Financial Services is transforming banking with an enterprise-class suite of AI-infused applications, design tools, frameworks and pre-built AI agents. With these advancements, banks can benefit from intelligent, conversational interfaces and autonomous AI agents. These capabilities allow financial institutions to better understand and anticipate customers' evolving needs and deliver hyper-personalized service whether the customer is banking online, using a mobile device or in a physical branch.

Oracle's agentic platform offers financial institutions the essential tenets for building a truly intelligent, next-generation bank. The platform embeds AI experiences and decisioning at the core of every customer engagement and business process. With its robust agentic ecosystem, the platform's AI agents can orchestrate seamless, real-time, and highly tailored interactions supported by human expertise. This approach enables bankers to play a pivotal "human-in-the-loop" role, supporting oversight and ethical governance.

"Oracle is ushering in a new era of banking where AI moves beyond task automation to deliver real business intelligence, agility, and trust at scale," said Sovan Shatpathy, senior vice president, Product Management and Development, Oracle Financial Services. "Our agentic platform is not just a set of applications it's a foundational architecture for building truly intelligent banks. By combining domain specific AI, human-in-the-loop governance, and enterprise grade scalability, we're enabling banks to drive proactive, hyper-personalized engagement while innovating responsibly and competitively."

Available today, new experience and domain agents for retail banking collaboratively drive automation and better service across the entire originations' lifecycle:

• The Product Brochure Generation agent and Smart Assist for Application Insights agent enables consistent product information and provide bankers with real time, more accurate answers to speed application completion.
• The Application Tracker agent delivers proactive management by predicting delays and recommending next steps, enabling a smooth handoff to underwriting staff while keeping the lead banker informed on the status of application approval.
• The Qualitative Analysis & Credit Decisioning agent leverages streamlined data and intelligently suggests responses for complex scorecards, resulting in faster and more consistent credit decisions.

Experience agents in other retail domains, such as collections, directly assist the banker by automating crucial tasks to boost efficiency and compliance. They also support a faster, lower-risk, and more professional collection environment for both bankers and customers.

• The Collector Call Summarization agent generates call notes from transcripts, dramatically reducing AHT (after handle time) increasing efficiency and allowing more time for bankers to engage in more impactful customer interactions.
• The Call Compliance Check agent analyzes call tone and sentiment for regulatory adherence (like the Fair Debt Collection Practices Act), providing bankers instant feedback on compliance scores.

These agents are a sampling of the hundreds of retail and corporate banking agents Oracle Financial Services plans to make available within the next 12 months. For more information about Oracle's agentic platform for banking, please visit: https://www.oracle.com/in/financial-services/banking/.

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://wwww.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.

Trademarks
Oracle, Java, MySQL and NetSuite are registered trademarks of Oracle Corporation. NetSuite was the first cloud company—ushering in the new era of cloud computing.

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SOURCE Oracle

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does Oracle's Feb 3, 2026 agentic platform (ORCL) mean for banks?

It provides banks with enterprise AI agents and tools to automate processes and personalize service. According to the company, the platform embeds AI decisioning across customer engagement and business processes, enabling conversational interfaces and human-in-the-loop oversight for compliance and governance.

Which retail banking agents are available now from Oracle (ORCL)?

Several experience and domain agents are available today, covering origination, collections, and compliance. According to the company, initial agents include Product Brochure Generation, Application Tracker, Qualitative Analysis & Credit Decisioning, Collector Call Summarization, and Call Compliance Check.

How will Oracle's agents impact loan application and credit decision workflows at banks (ORCL)?

Agents aim to speed application completion and produce more consistent credit responses by streamlining data and suggesting actions. According to the company, Application Tracker predicts delays and Qualitative Analysis & Credit Decisioning recommends scorecard responses for faster credit decisions.

What timeline did Oracle (ORCL) give for expanding its banking agent ecosystem?

Oracle plans to make hundreds of retail and corporate banking agents available within the next 12 months. According to the company, this rollout expands the agentic ecosystem to cover a wide range of banking domains and operational tasks.