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Oracle Digital Banking Experience (OBDX) from Oracle Financial Services
A comprehensive digital banking platform offering personalized customer journeys, omnichannel capabilities, and support for retail, small business, corporate, and wealth management segments. Features include onboarding, account servicing, payments, and financial insights.
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Product analysis by function
Digital Banking Platforms for Retail Banking
Online and mobile banking applications that allow customers to access their accounts, make transactions, and manage their finances remotely.
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User Experience & Interface
(10 Yes /10 Known /13 Possible features)
Mobile App Availability
Whether the platform offers a dedicated mobile application for iOS and Android devices
Yes - has this feature
Oracle OBDX provides mobile apps for both iOS and Android as part of its omnichannel banking experience.
Responsive Web Design
Whether the web platform automatically adjusts to different screen sizes and devices
Yes - has this feature
OBDX platform offers responsive web design to ensure channel consistency and device adaptation.
Biometric Authentication
Support for fingerprint, facial recognition, or other biometric login methods
Yes - has this feature
Banking platform supports biometric authentication such as fingerprint and facial recognition for mobile apps.
UI Customization
Ability for users to personalize their dashboard, widgets, and interface elements
Yes - has this feature
Oracle promotes customizable UI/UX with dashboard personalization and widget management.
Accessibility Compliance
Adherence to WCAG or similar accessibility standards for users with disabilities
Yes - has this feature
Oracle states OBDX adheres to WCAG 2.1 accessibility standards.
Dark Mode Support
Option for users to switch to a dark color scheme to reduce eye strain
Yes - has this feature
Dark mode support is available as a UX feature in the platform's recent releases.
Multi-language Support
Number of languages available for users to interact with the platform
No information available
Page Load Speed
Average time it takes for pages to load fully on the platform
No information available
Single Sign-On (SSO)
Ability to use one set of login credentials across multiple services or platforms
Yes - has this feature
Single Sign-On (SSO) is supported via SAML and OAuth integrations.
Push Notifications
Support for sending real-time alerts to users' devices
Yes - has this feature
Push notifications for transactions, security, and offers are part of the mobile platform.
In-app Chat Support
Live chat functionality for customer service directly within the platform
Yes - has this feature
In-app chat support is mentioned as an available feature for customer engagement.
Voice Banking Integration
Integration with voice assistants like Alexa, Google Assistant, or Siri
Yes - has this feature
Supports voice banking integration with Alexa and Google Assistant via APIs.
User Satisfaction Score
Average rating from user feedback on experience and usability
No information available
Account Management
(11 Yes /11 Known /12 Possible features)
Real-time Balance Updates
Whether account balances are updated in real-time as transactions occur
Yes - has this feature
Balances update instantly on transaction, as documented for customers and employees.
Transaction History Depth
How far back users can view their transaction history
No information available
Transaction Search
Ability to search through past transactions using various filters
Yes - has this feature
Advanced transaction search with filters is a listed feature.
Transaction Categorization
Automatic categorization of transactions (e.g., groceries, utilities)
Yes - has this feature
Automatic transaction categorization is provided as part of financial insights and PFM.
Multi-account Dashboard
Consolidated view of all accounts (checking, savings, loans, etc.) in one interface
Yes - has this feature
Multi-account dashboard (single view of all products) is a significant platform capability.
Account Nickname Customization
Ability for users to rename accounts with personalized labels
Yes - has this feature
Account nickname customization is part of personalized banking experience.
Statement Generation
Ability to generate and download account statements for specific periods
Yes - has this feature
Statement generation and download available on web and mobile.
Tax Document Access
Availability of tax-related documents (e.g., 1099-INT) within the platform
Yes - has this feature
Tax documents (e.g., 1099s, TDS, interest certificates) are available for download via portal.
Account Closure
Self-service functionality to close accounts without visiting a branch
Yes - has this feature
Self-service account closure is possible via digital channels according to release notes.
Account Alerts
Customizable notifications for account activities (e.g., low balance)
Yes - has this feature
Customizable account and transaction alerts are standard.
External Account Linking
Ability to connect and view accounts from other financial institutions
Yes - has this feature
External account linking, leveraging open banking and APIs, is supported.
Account Opening
Ability to open new accounts entirely through the digital platform
Yes - has this feature
Account opening and onboarding is fully digital as a core selling point.
Payment & Transfer Capabilities
(10 Yes /10 Known /13 Possible features)
Internal Transfer Speed
How quickly transfers between accounts at the same bank are processed
No information available
External Transfer Options
Number of methods available for transferring to external accounts (ACH, wire, etc.)
No information available
Bill Pay Service
Functionality to schedule and manage payments to service providers and billers
Yes - has this feature
Bill pay service is an integral platform feature with payee management.
P2P Payment Integration
Integration with peer-to-peer payment services (Zelle, Venmo, etc.)
Yes - has this feature
Integration with P2P payment services is available via FinTech connectors, e.g., UPI, Zelle.
Recurring Transfers
Ability to set up automatic, repeating transfers between accounts
Yes - has this feature
Recurring transfer setup is supported as part of scheduled payments.
Transfer Limits
Maximum amount that can be transferred in a single transaction
No information available
International Wire Support
Ability to initiate and track international wire transfers
Yes - has this feature
International wire transfers, including SWIFT integration, are an advertised feature.
Real-time Payments
Support for instant payment networks like RTP or FedNow
Yes - has this feature
Real-time payments supported where bank connector and national instant rails (like RTP) are available.
QR Code Payments
Support for generating or scanning QR codes to initiate payments
Yes - has this feature
QR code payment (scan-and-pay) feature is available, especially for Asian markets.
Mobile Check Deposit
Functionality to deposit checks by taking photos with a mobile device
Yes - has this feature
Mobile check deposit is available (feature may depend on region).
Bill Payment Reminders
Proactive notifications about upcoming bill payments
Yes - has this feature
Automated bill payment reminders available via notifications.
Transfer Templates
Ability to save transfer details for frequent transactions
Yes - has this feature
Templates for recurring/frequent transfers can be saved and managed.
Payment Status Tracking
Ability to track the status of payments and transfers in real-time
Yes - has this feature
Real-time payment status tracking is a documented capability.
Security & Fraud Protection
(10 Yes /10 Known /13 Possible features)
Multi-factor Authentication
Requiring multiple forms of verification before granting account access
Yes - has this feature
Multi-factor authentication is a required standard feature (OTP, device, biometrics, etc.).
Encryption Level
Strength of encryption used to protect data (e.g., 128-bit, 256-bit)
No information available
Automatic Session Timeout
Whether the system automatically logs users out after a period of inactivity
Yes - has this feature
Automatic session timeout configurable per institution's policy.
Device Recognition
System can identify and flag logins from new or unrecognized devices
Yes - has this feature
Device recognition is part of OBDX's fraud and security monitoring.
Fraud Monitoring
Active monitoring systems that detect and flag suspicious activities
Yes - has this feature
Continuous fraud detection and monitoring documented in product security features.
Transaction Verification
Secondary verification required for high-risk or unusual transactions
Yes - has this feature
Transaction verification via step-up authentication on risky transactions.
Card Controls
Ability to freeze/unfreeze cards, set usage limits, or restrict geographical usage
Yes - has this feature
Users can freeze/unfreeze cards, set controls via the digital platform.
Security Alerts
Notifications for security-related events (password changes, logins, etc.)
Yes - has this feature
Security event alerts are standard notifications (e.g., login, password reset, suspicious activity).
Vulnerability Testing Frequency
How often the platform undergoes security testing and assessments
No information available
Fraud Guarantee
Financial protection offered to customers in case of fraudulent transactions
Yes - has this feature
Fraud guarantee available subject to bank's policy; OBDX supports reimbursement workflows.
Privacy Controls
User options to control data sharing and privacy preferences
Yes - has this feature
Extensive user privacy controls for consent, data sharing, and privacy settings.
IP Blocking
Ability to block access from suspicious IP addresses or regions
Yes - has this feature
IP blocking and geo-fencing supported in the security layer.
Compliance Certifications
Number of security and compliance certifications held (PCI DSS, ISO 27001, etc.)
No information available
Personal Financial Management
(13 Yes /13 Known /14 Possible features)
Spending Analysis
Tools that analyze and visualize spending patterns across categories
Yes - has this feature
Spending analysis visualizations and insights included in PFM module.
Budgeting Tools
Features that help users create and monitor budgets
Yes - has this feature
Budgeting and financial planning tools available as part of PFM.
Financial Goal Setting
Ability to set and track progress toward financial goals
Yes - has this feature
Financial goal setting (savings/investment goals) is available with progress tracking.
Net Worth Tracking
Calculation and visualization of overall financial position
Yes - has this feature
Net worth tracking is included in the PFM module.
Cash Flow Forecasting
Prediction of future account balances based on recurring transactions
Yes - has this feature
Cash flow forecasting is available using AI and PFM features.
Automated Savings
Tools that automatically move money to savings based on rules or AI
Yes - has this feature
Automated 'round-up' and rules-based savings tools are available.
Investment Tracking
Ability to monitor investment performance within the platform
Yes - has this feature
Investment account tracking is available for banks with those features enabled.
Financial Health Score
Personalized scoring system to assess overall financial wellbeing
Yes - has this feature
Financial health and wellness scoring included as optional feature in PFM.
Debt Payoff Planning
Tools to create and optimize strategies for debt reduction
Yes - has this feature
Debt payoff calculators and planning tools provided for personal loans/credit cards.
Bill Negotiation Services
Features that help users identify and reduce recurring expenses
Yes - has this feature
Bill negotiation and subscription management tools are included as optional modules.
Tax Optimization Suggestions
Recommendations for minimizing tax liability based on spending and income
Yes - has this feature
AI-driven tax optimization suggestions are a promoted use-case in recent releases.
Financial Education Content
Availability of educational resources about financial topics
Yes - has this feature
Financial education articles, videos, and widgets included as PFM content.
Subscription Tracking
Identification and management of recurring subscription payments
Yes - has this feature
Active subscription tracking based on recurring transactions, available in PFM.
Historical Data Range
How far back the PFM tools analyze financial history
No information available
Credit & Lending Features
(12 Yes /12 Known /13 Possible features)
Credit Score Access
Free access to credit score information within the platform
Yes - has this feature
Credit score access is available through Equifax/Experian integration.
Credit Score Simulator
Tools that show how different actions might affect credit scores
Yes - has this feature
Credit score simulators are available as an optional feature.
Loan Application Process
Ability to apply for loans entirely through the digital platform
Yes - has this feature
Loan applications can be fully completed online, as per onboarding demo.
Loan Application Speed
Average time from application submission to decision
No information available
Pre-qualification Tools
Features that assess eligibility for products without affecting credit score
Yes - has this feature
Pre-qualification tools with soft credit pull available for personal and auto loans.
Loan Management
Tools to view, manage, and make extra payments on existing loans
Yes - has this feature
Loan management (make extra payments, view balances) available in digital self-service.
Credit Card Management
Specialized tools for managing credit card accounts and rewards
Yes - has this feature
Credit card account management, rewards, and setting controls are supported.
Interest Rate Comparison
Features that compare available interest rates across products
Yes - has this feature
Interest rate comparison across bank products is available as a PFM/offer feature.
Debt Consolidation Tools
Resources to help combine multiple debts into a single loan
Yes - has this feature
Debt consolidation calculators/tools provided in lending modules.
Automatic Payment Options
Setup for automatic loan or credit card payments
Yes - has this feature
Auto-payment for loans/cards supported as part of payment settings.
Credit Limit Increase Requests
Self-service tools to request higher limits on credit products
Yes - has this feature
Credit limit increase requests available as a self-service workflow.
Personalized Loan Offers
Customized lending offers based on the customer's financial profile
Yes - has this feature
Personalized loan offers presented based on customer profile and segmentation.
BNPL Integration
Integration with Buy Now, Pay Later services for purchases
Yes - has this feature
BNPL integration available for banks that offer this or through partner fintechs.
Customer Support & Service
(11 Yes /11 Known /13 Possible features)
In-app Chat Support
Live chat functionality directly within the platform
Yes - has this feature
In-app live chat support offered for end-customers and staff.
AI Chatbot Assistance
Automated conversational interface for answering questions and solving issues
Yes - has this feature
AI chatbot/virtual assistant is core to digital support offering.
Video Banking
Ability to video conference with bank representatives
Yes - has this feature
Video banking available as additional customer engagement channel.
Co-browsing Support
Feature allowing support staff to see and navigate the customer's screen
Yes - has this feature
Co-browsing sessions for support agents available for troubleshooting.
Support Hours
Number of hours per day that live support is available
No information available
Self-service Knowledge Base
Searchable repository of help articles and guides
Yes - has this feature
Extensive self-service help center/knowledge base included.
Branch/ATM Locator
Tools to find nearby physical banking locations
Yes - has this feature
Branch & ATM locator tools are part of customer portal features.
Appointment Scheduling
Ability to schedule in-person or virtual meetings with bank staff
Yes - has this feature
Appointment scheduling for virtual or branch visit is integrated.
Feedback Mechanisms
Tools for customers to provide input on the banking experience
Yes - has this feature
Feedback and survey tools for customer experience are built in.
Support Request Tracking
System for monitoring the status of customer service inquiries
Yes - has this feature
Support ticket/request tracking for logged-in users available.
Average Response Time
Typical time to receive a response to support inquiries
No information available
Call-back Options
Feature allowing customers to request a call rather than waiting on hold
Yes - has this feature
Customers can request a call-back from support within the app.
Social Media Support
Customer service available through social media channels
Yes - has this feature
Support available through Facebook, Twitter, WhatsApp as enabled by the bank.
Integration & Connectivity
(10 Yes /10 Known /13 Possible features)
Open Banking API
Availability of APIs that allow third-party developers to build on the platform
Yes - has this feature
Open banking APIs provided for fintech and partner integrations.
External Account Aggregation
Ability to pull in data from accounts at other financial institutions
Yes - has this feature
External account aggregation via open banking APIs is supported.
Number of API Endpoints
Quantity of different API services available for integration
No information available
Digital Wallet Integration
Support for Apple Pay, Google Pay, Samsung Pay, etc.
Yes - has this feature
Apple Pay, Google Pay, and Samsung Pay integrations available.
Personal Finance App Connectivity
Direct integration with budgeting and financial planning apps
Yes - has this feature
Direct integrations with PFMs (Mint, YNAB, etc.) can be enabled via API connectors.
Accounting Software Integration
Ability to connect with QuickBooks, Xero, or other accounting systems
Yes - has this feature
Accounting software integration available for business/corporate users through API.
eCommerce Platform Integration
Built-in connections to online shopping and payment platforms
Yes - has this feature
eCommerce integration available for digital banking users with merchant accounts.
Wearable Device Support
Banking functionality on smartwatches or other wearable technology
Yes - has this feature
Wearable device (smartwatch) support for notifications and basic banking actions.
IoT Device Integration
Connectivity with Internet of Things devices for financial functions
No information available
Data Export Options
Number of formats available for exporting financial data (CSV, PDF, etc.)
No information available
Tax Software Integration
Direct connection to tax preparation software
Yes - has this feature
Tax software integration supported via export and direct APIs.
Developer Sandbox
Testing environment for developers building on the platform
Yes - has this feature
Developer sandbox environments available as part of API and fintech integration suite.
Webhook Support
Ability to trigger automated actions in other systems based on banking events
Yes - has this feature
Webhook triggers available for real-time events to external systems.
Personalization & AI Capabilities
(12 Yes /12 Known /13 Possible features)
Personalized Insights
AI-generated observations about spending patterns and financial behavior
Yes - has this feature
Personalized insights and AI-powered nudges feature heavily in PFM and engagement modules.
Product Recommendations
Personalized suggestions for financial products based on user profile
Yes - has this feature
Product recommendations based on behavior and segmentation are available.
Predictive Cash Flow
AI forecasting of future account balances based on historical patterns
Yes - has this feature
Predictive cash flow analysis is available via AI/ML features.
Smart Savings Features
AI-driven tools that automatically optimize savings based on spending patterns
Yes - has this feature
Smart/Augmented savings tools utilizing AI are offered.
Voice Banking Assistant
Natural language processing capabilities for voice-based banking
Yes - has this feature
Voice assistant with NLP capabilities is available (Alexa/Google).
Personalized Interface
Dynamic UI that adapts based on user behavior and preferences
Yes - has this feature
Dynamic UI that adapts to user preferences is a stated feature of OBDX.
Financial Habit Recognition
AI identification of patterns in financial behavior
Yes - has this feature
AI analyzes and recognizes user financial behavior for nudges/insights.
Anomaly Detection
AI systems that identify unusual transactions or patterns
Yes - has this feature
AI-powered anomaly detection for fraud and unusual behaviors.
Smart Notification System
Contextual alerts based on user behavior and preferences
Yes - has this feature
Contextual notification system based on AI/behavioral analysis.
Behavioral Analytics Capabilities
Advanced analysis of user interactions to improve experience
Yes - has this feature
Behavioral analytics available for both customer journeys and platform improvement.
Custom Financial Advice
Personalized financial guidance based on individual circumstances
Yes - has this feature
Automated custom advice modules are included (examples: savings, retirement advice).
Life Event Detection
AI recognition of major life changes from transaction patterns
Yes - has this feature
Life events (new job, child, moving) detected through pattern analysis, per OBDX's AI roadmap.
Customer Segmentation Granularity
Number of distinct customer segments the AI can identify for personalization
No information available
Platform Technical Capabilities
(4 Yes /4 Known /14 Possible features)
System Uptime
Percentage of time the platform is operational and available
No information available
System Response Time
Average time for the system to respond to user requests
No information available
Concurrent User Capacity
Maximum number of simultaneous users the system can support
No information available
Disaster Recovery Time
Time required to restore service after a major outage
No information available
Update Frequency
How often the platform receives feature updates and improvements
No information available
Backward Compatibility
Whether updates maintain compatibility with older devices and OS versions
Yes - has this feature
Backward compatibility is maintained per Oracle's compatibility policies.
Cloud-based Architecture
Whether the platform uses cloud infrastructure versus on-premises
Yes - has this feature
Platform is cloud-native and cloud-agnostic for deployment.
Multi-region Deployment
Platform operation across multiple geographic regions for redundancy
Yes - has this feature
Multi-region deployment is supported for failover and compliance requirements.
Microservices Architecture
Use of modular, independently deployable services
Yes - has this feature
Microservices architecture is core to Oracle OBDX technical stack.
Database Performance
Speed of database queries and transactions
No information available
API Rate Limits
Maximum number of API calls allowed per minute
No information available
Monitoring Coverage
Percentage of system components under active monitoring
No information available
Data Backup Frequency
How often system data is backed up
No information available
Automated Testing Coverage
Percentage of codebase covered by automated tests
No information available
Electronic Banking for Businesses for Corporate Banking
Digital platforms that allow corporate clients to manage their banking relationships and perform transactions online.
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Account Management
(8 Yes /8 Known /10 Possible features)
Multi-Account Support
Ability to manage multiple business accounts within a single platform.
Yes - has this feature
OBDX supports account aggregation and management for both retail and business segments, indicating support for multi-account management.
Real-Time Balance Update
Provides up-to-date account balances instantly.
Yes - has this feature
Oracle documentation advertises real-time updates to account balances across channels.
Transaction History Depth
Depth of historical transactions accessible through the platform.
No information available
Account Statements Download
Ability to download official statements for audit and reconciliation.
Yes - has this feature
Account statement download is listed as core feature for both retail and business users.
Custom Account Grouping
Allows businesses to group, label, or categorize accounts for easy management.
Yes - has this feature
Oracle showcases account grouping and categorization in its product demos for ease of management.
Search & Filter Transactions
Advanced search and filtering for transactions based on amount, date, or description.
Yes - has this feature
Sophisticated search and filtering of transactions is demonstrated in OBDX presentations.
Account Alias Customization
Ability to assign custom names or aliases to accounts.
Yes - has this feature
Custom account aliases/nicknames are supported as a personalization feature.
Multiple Currency Support
Handles accounts in multiple currencies.
Yes - has this feature
Multi-currency account support is standard in OBDX for corporate and multi-regional banks.
Balance Sweep Configuration
Automated transfers based on preset rules to optimize account balances.
No information available
Account Reconciliation Tools
Integrated tools to support reconciliation of accounts with ERP or other back-office systems.
Yes - has this feature
Oracle's documentation details reconciliation modules that can be integrated with ERP systems.
Payments and Transfers
(12 Yes /12 Known /13 Possible features)
Bulk Payment Processing
Ability to upload and process multiple payments in a single operation.
Yes - has this feature
Bulk payment processing, including payroll and vendor payments, is a highlighted business feature.
Domestic Wire Transfers
Support for making domestic (in-country) wire transfers.
Yes - has this feature
Domestic wire transfer capability is a built-in payments option per Oracle product sheet.
International Wire Transfers
Support for cross-border payments in multiple currencies.
Yes - has this feature
International payment and FX/wire transfers are supported across geographies.
Payment Approvals Workflow
Configurable workflows for multi-tier payment approvals.
Yes - has this feature
Multiple levels of payment approval workflow is configurable for business/enterprise use.
Payment Templates
Storing and reusing payment instructions for recurring vendors.
Yes - has this feature
Recurring payment templates and saved payees are standard for corporate banking modules.
ACH/SEPA Payments
Ability to initiate Automated Clearing House (ACH) or Single Euro Payments Area (SEPA) payments.
Yes - has this feature
ACH and SEPA support is explicit in OBDX product payment features.
Payment Cut-off Time
Deadline each day for submitting payments for same-day processing.
No information available
Payment Status Tracking
Monitoring and tracking the status of submitted payments.
Yes - has this feature
Users and admins can track payment statuses and receive notifications of changes.
Dual Authorization Enforcement
Requirement for two or more users to approve high-value or sensitive payments.
Yes - has this feature
Dual/multi authorization for high-risk payments is strongly featured in compliance documentation.
Beneficiary Management
Add, edit, and manage beneficiary information for payments and transfers.
Yes - has this feature
Full beneficiary management capability is part of payment module.
Standing Orders
Setting up recurring payments at defined intervals.
Yes - has this feature
Standing orders (recurring payments) are available in scheduled payments section.
Intra-company Fund Transfers
Transfers between accounts held by the same corporate entity.
Yes - has this feature
Intra-company transfers are supported for entities with multiple accounts.
Payment File Import Capability
Upload of payment instruction files in various formats (CSV, XML, etc.).
Yes - has this feature
User can import payment files in CSV/XML format per product documentation.
User and Access Management
(9 Yes /9 Known /10 Possible features)
Role-Based Access Control (RBAC)
Ability to assign users to roles with different access privileges.
Yes - has this feature
Role-based access management is a security/compliance feature detailed in OBDX documentation.
User Activity Logs
Detailed records of user activity for monitoring and auditing.
Yes - has this feature
User action/event logs available for admin monitoring and security purposes.
Custom Permission Sets
Customizable permissions for various banking functionalities.
Yes - has this feature
Custom permissions configurable per user/role as per system setup guides.
User Creation/Deletion
Tools to add or remove user access efficiently.
Yes - has this feature
Admin/HR can add or delete users and manage authentication.
Access Expiry
Ability to set temporary access or automatic expiry for certain users.
Yes - has this feature
Time-bound and temporary account access are supported for operational needs.
Segregation of Duties
Enforces separation between transaction initiators and approvers.
Yes - has this feature
Setup of initiator/approver roles for transaction processing enforces segregation of duties.
Concurrent Session Limits
Maximum number of devices/sessions allowed per user.
No information available
User Access Review
Periodic reviews and re-certification of user access rights.
Yes - has this feature
User access audit and reviews are featured in admin dashboard.
API-based User Management
APIs for automating user provisioning and de-provisioning.
Yes - has this feature
Extensible APIs enable user provisioning and management.
Customizable User Alerts
Alerts based on login, attempted access, and user activity exceptions.
Yes - has this feature
User-specific and role-based alerting and notifications configurable.
Security
(6 Yes /6 Known /10 Possible features)
Multi-Factor Authentication (MFA)
Requirement for multiple authentication factors for login or sensitive actions.
Yes - has this feature
Multi-factor authentication (MFA) is core to login and payment authorization in OBDX.
Data Encryption At-Rest and In-Transit
Encryption of all stored and transmitted sensitive information.
Yes - has this feature
Data is encrypted both at rest and in transit per technical whitepapers.
Device Registration/Whitelisting
Restrict access to client-approved devices only.
No information available
IP Whitelisting
Allow access only from approved corporate IP ranges.
Yes - has this feature
IP whitelisting available for organizational access policies.
Automatic Session Timeout
Auto-log-off after defined period of user inactivity.
No information available
Real-Time Fraud Monitoring
Automated engine to detect and alert on potentially fraudulent transactions.
Yes - has this feature
Fraud detection and alerting as part of security/monitoring suite.
Digital Certificates
Support for digital certificates for client and server authentication.
No information available
Biometric Authentication
Supports use of fingerprint or face recognition for authentication.
Yes - has this feature
Supports biometric authentication where supported by device and user’s institution.
Transaction Limits per User/Day
Ability to set daily or per-transaction caps.
No information available
Audit Logs Tamper Protection
Logs are secured to prevent unauthorized changes.
Yes - has this feature
Audit log tampering is protected by security policies and cryptographic integrity checks.
Integration Capabilities
(9 Yes /9 Known /10 Possible features)
API Availability
RESTful or SOAP APIs enabling external integrations.
Yes - has this feature
Full suite of APIs (RESTful) for integration with third parties and in-house systems.
ERP Integration
Seamless connection with Enterprise Resource Planning (ERP) systems.
Yes - has this feature
ERP integrations (including leading products like Oracle ERP, SAP, etc.) referenced in product brochures.
Batch File Upload/Download
Support for batch processing via file uploads and downloads.
Yes - has this feature
File-based and batch uploads/downloads mentioned in OBDX documentation.
Format Flexibility (MT940, CSV, XML)
Support for multiple data formats required by corporates.
Yes - has this feature
Supporting MT940, CSV, XML as part of standard reconciliation and statement features.
Webhooks/Event Notification
Real-time event notifications to external systems.
Yes - has this feature
Webhooks and real-time notification options are supported for external integrations.
Single Sign-On (SSO)
Integration with enterprise identity providers for authentication.
Yes - has this feature
Supports single sign-on via enterprise identity providers (SAML, OAuth).
Custom Connector Support
Ability to build custom connectors for non-standard integrations.
Yes - has this feature
API and connector framework documented for custom integration scenarios.
Open Banking Compliance (PSD2/other)
Compliance with relevant open banking regulations/standards.
Yes - has this feature
Designed for global open banking and PSD2 compliance.
API Rate Limit
Maximum number of permitted API calls per time window.
No information available
Developer Documentation Availability
Comprehensive documentation for implementing and supporting integrations.
Yes - has this feature
Comprehensive public and customer API documentation is a standard offering in the developer portal.
Reporting and Analytics
(10 Yes /10 Known /10 Possible features)
Custom Report Builder
Create and save custom reports based on user-defined criteria.
Yes - has this feature
Custom reports can be created and saved by users, as seen in OBDX reporting modules.
Scheduled Report Delivery
Automate delivery of reports via email or direct download.
Yes - has this feature
Report scheduling and email delivery available for corporate and SME segments.
Real-Time Data Visualization
Dashboards and charts displaying key financial metrics in real time.
Yes - has this feature
Data visualizations and metrics dashboards are a key OBDX feature.
Export to Multiple Formats
Ability to export reports to PDF, Excel, or CSV.
Yes - has this feature
Export options include PDF, Excel, and CSV.
Drill-Down Analytics
Interactive exploration of summary data down to transaction level.
Yes - has this feature
Interactive drill-down and navigation in analytics dashboards is available.
Trend Analysis Tools
Visualization and analysis of historical trends in balances, payments, etc.
Yes - has this feature
Built-in trend analysis features for balances and transaction activity over time.
Scheduled Data Retention
Automatic purging or archiving of historical reports and data.
Yes - has this feature
Data retention policies, including automated archiving/purging, are configurable.
KPI Tracking
Define and monitor business-specific Key Performance Indicators.
Yes - has this feature
Custom KPIs can be configured and monitored from business dashboards.
Anomaly Detection Alerts
Automated notification of unusual account or payment activity.
Yes - has this feature
AI/ML-based anomaly and suspicious activity notifications included.
API Access to Reports
Programmatic retrieval of report data via APIs.
Yes - has this feature
APIs for programmatic access to reports are documented.
User Experience and Accessibility
(8 Yes /8 Known /10 Possible features)
Multi-Language Support
Platform available in multiple languages.
Yes - has this feature
Platform is localized for multiple languages.
Responsive Web Design
Optimized for desktops, tablets, and mobile devices.
Yes - has this feature
Responsive UI for desktop, tablet, and mobile browsers.
Accessible Design (WCAG Compliance)
Meets accessibility standards for users with disabilities.
Yes - has this feature
Documentation and marketing reference WCAG and accessibility compliance.
Customizable Dashboard
Users can personalize dashboard layout and content.
Yes - has this feature
Users can personalize business dashboards.
Task Shortcuts & Favorites
Frequently used actions can be marked for quick access.
Yes - has this feature
Shortcuts/favorites for most-used features can be defined by users.
Guided Tours/Tutorials
Interactive onboarding and help features for new users.
Yes - has this feature
Guided tours and tooltips available for user onboarding.
Consistent UI/UX Standards
Uniform design across all platform modules/pages.
Yes - has this feature
Consistent UI/UX available across all OBDX modules per Oracle design standards.
Mobile Application Availability
Native android/iOS apps for secure banking on the go.
Yes - has this feature
Native mobile apps for iOS and Android are available.
Session Continuity
Session seamlessly persists across multiple devices/browsers.
No information available
Offline Access to Data
Access to selected information even without internet connection.
No information available
Audit and Compliance
(10 Yes /10 Known /10 Possible features)
Comprehensive Audit Trail
Immutable records of all actions within the system.
Yes - has this feature
Oracle compliance and audit modules ensure immutable audit trails.
Regulatory Reporting Tools
Prebuilt templates for compliance reporting (e.g., KYC, AML).
Yes - has this feature
Support for KYC/AML and regulatory reporting templates included.
Data Retention Policy Management
Configuration of how long customer data is retained.
Yes - has this feature
Data retention policies are configurable for compliance.
User Consent Management
Tracking and managing user/client data sharing consents.
Yes - has this feature
User consent management and GDPR compliance documented.
Change Management Tracking
Logs for all configuration changes to the platform.
Yes - has this feature
Platform tracks configuration changes for audit/compliance.
Exportable Audit Logs
Audit logs can be downloaded for external review.
Yes - has this feature
Audit/export logs can be downloaded for external review.
Time-Stamped Event Logging
All events are recorded with precise time stamps.
Yes - has this feature
Timestamped event logging is part of compliance module.
Retention of Deleted Data
Soft deletion and retention of deleted items for a defined period.
Yes - has this feature
Deleted data is retained for a configurable period per policy.
Automated Alerting for Compliance Violations
Auto alerts when actions violate compliance rules.
Yes - has this feature
Automated alerts for compliance and risk events configurable.
Regulatory Certification (ISO, SOC2, etc.)
Platform compliance with recognized security and industry standards.
Yes - has this feature
Supports ISO 27001, SOC2 type certifications per Oracle compliance statements.
Notifications and Alerts
(9 Yes /9 Known /10 Possible features)
Customizable Alert Rules
Users can define event triggers and notification settings.
Yes - has this feature
User-definable alert rules and notifications included.
Multi-Channel Communication
Notifications delivered via email, SMS, or in-app channels.
Yes - has this feature
Multi-channel notification support including email, SMS, and in-app.
Real-Time Alerts
Immediate notification for high-priority events.
Yes - has this feature
Immediate real-time alerts are supported for high-priority events.
Daily Summary Notifications
Automated digest of account activity sent to users.
Yes - has this feature
Daily digest email summaries are available for account activities.
Critical Event Escalation
Escalates alerts for critical incidents to next level.
Yes - has this feature
Escalation matrix and alert flows documented for incident management.
Delivery Confirmation
Tracks and records if/when an alert is received by the user.
Yes - has this feature
Delivery/read confirmation for key notifications supported.
Alert Throttling
Limit number or frequency of alerts to a user to prevent overload.
No information available
User-Specific Notification Preferences
Individual users can control the types and frequency of notifications they receive.
Yes - has this feature
Each user can customize notification frequency and channel.
Push Notifications (Mobile)
Instant alerts sent directly to a mobile device.
Yes - has this feature
Mobile push notifications supported by native apps.
Language Localization
Notifications available in preferred language of the user.
Yes - has this feature
Language-specific messaging available for all notifications.
Customer Support and Service
(9 Yes /9 Known /10 Possible features)
Integrated Help Desk
Supports end-to-end issue tracking and resolution within the platform.
Yes - has this feature
Integrated help desk, ticketing, and user support listed in service catalog.
24/7 Support Availability
Round-the-clock access to customer service.
Yes - has this feature
Global, 24/7 support is standard for Oracle SaaS solutions.
Live Chat Support
Real-time chat with support representatives from within the platform.
Yes - has this feature
Live chat support is featured on client portals.
Automated FAQs/Knowledge Base
Comprehensive searchable knowledge base for self-service.
Yes - has this feature
Extensive searchable documentation and FAQs included.
Support Ticketing System
Submit, track, and manage support tickets easily.
Yes - has this feature
Service ticket system integrated with user portal.
Escalation Procedures
Well-defined protocol for escalating and resolving critical issues.
Yes - has this feature
Support escalation outlined in Oracle's customer service agreement.
Remote Assistance
Support representatives can securely access user sessions to assist directly.
No information available
Multi-Language Customer Support
Support services are available in multiple languages.
Yes - has this feature
Multi-lingual customer support is provided.
API Support Channels
Technical support for API and integration issues.
Yes - has this feature
API support and developer assistance available.
User Feedback Mechanism
Ability to capture and analyze user feedback for continuous improvement.
Yes - has this feature
User feedback and surveys are integrated for experience improvement.
Platform Availability and Scalability
(6 Yes /6 Known /10 Possible features)
Service Uptime SLA
Guaranteed percentage uptime as per Service Level Agreement.
No information available
Disaster Recovery (RTO/RPO)
Recovery Time Objective (RTO) and Recovery Point Objective (RPO) for business continuity.
No information available
Horizontal Scalability
Ability to support more users or transactions with scale-out architecture.
Yes - has this feature
Horizontal scaling is cited in Oracle cloud architecture documents.
High Availability Architecture
Built-in redundancy and failover mechanisms.
Yes - has this feature
Redundant, high availability architecture is detailed as standard.
Performance Monitoring
Real-time monitoring of system performance and capacity.
Yes - has this feature
Performance/capacity monitoring tools provided.
Concurrent Users Maximum
Maximum number of users supported simultaneously.
No information available
Deployment Model Flexibility
Available as SaaS, on-premises, or hybrid deployment.
Yes - has this feature
Available as SaaS, on-premises or hybrid as per client preference.
Hot Patching/Zero Downtime Updates
Apply patches and updates without downtime.
Yes - has this feature
Zero-downtime updates are mentioned in managed service collateral.
Transaction Processing Capacity
Maximum supported transactions per second.
No information available
Regional Data Center Availability
Hosting in multiple geographies for regulatory or latency purposes.
Yes - has this feature
Platform available in multiple regional data centers for compliance and latency.
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