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Oracle Cash Management Cloud from Oracle Financial Services
Provides real-time cash visibility, automates cash forecasting, and enhances decision making with advanced analytics tools, while integrating with enterprise financial systems.
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Payment Factory Solutions for Cash Management
Systems that centralize, standardize, and optimize payment processes across an organization, supporting multiple payment formats, currencies, and banking channels.
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Integration Capabilities
(9 Yes /9 Known /10 Possible features)
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ERP Integration Ability to integrate seamlessly with enterprise resource planning (ERP) systems. |
Oracle Cash Management Cloud is specifically designed to integrate with Oracle ERP and other enterprise financial systems, as stated on Oracle's product pages. | |
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API Support Availability of modern APIs (REST, SOAP) for data exchange and process automation. |
Oracle advertises comprehensive REST and SOAP API support for integration and automation with external tools and platforms. | |
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Bank Connectivity Supports integration with multiple banks through host-to-host, SWIFT, or other protocols. |
Supports connectivity through SWIFT and other protocols, enabling bank integration. | |
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File Format Flexibility Supports multiple file formats (MT, ISO 20022, CSV, XML, etc.) for payment instructions. |
Handles multiple file formats for payment and statement data, including MT, ISO 20022, CSV, and XML. | |
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Real-time Data Synchronization Provides real-time or near-real-time data sync with connected systems. |
Offers real-time and near-real-time synchronization of transactional and balance data across integrated systems. | |
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Third-party Solution Integration Ability to connect with third-party solutions for FX, fraud detection, analytics, etc. |
Integrates with third-party FX, fraud, and analytics solutions, as per solution documentation. | |
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Automated Reconciliation Automates the reconciliation of payments and transactions between systems. |
Provides automated reconciliation features for payments and cash positions. | |
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Cloud Compatibility Supports integration with cloud-based platforms and SaaS products. |
Delivered as a SaaS product, seamlessly integrates with other cloud-based systems. | |
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Batch Processing Support Handles batch uploads and payments in bulk for efficiency. |
Batch processing is supported for payment instructions to increase efficiency. | |
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Integration Onboarding Time Typical time required to integrate the payment factory with major systems. |
No information available |
Payment Processing
(8 Yes /8 Known /10 Possible features)
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Multi-currency Payments Supports payments in multiple currencies. |
Supports payments in multiple currencies, as is standard in global treasury solutions. | |
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Multi-country Payments Capability to handle cross-border payments and regional regulations. |
Handles cross-border payments and supports localization for regional regulations. | |
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Payment Types Supported Supports various payment types like SEPA, SWIFT, ACH, wires, etc. |
Supports multiple payment methods (ACH, SEPA, wires, etc.). | |
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Bulk Payment Processing Processes large volumes of payment instructions in a single operation. |
Capable of processing payments in bulk as part of its batch processing and treasury operations. | |
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Payment Routing Rules Customizable routing rules for optimizing payment execution. |
Customizable payment routing is supported in Oracle payment workflows. | |
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Cut-off Time Management Manages domestic and international bank cut-offs for prompt processing. |
Manages bank cut-off times as part of payment scheduling and processing. | |
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Straight-Through Processing Rate Percentage of payments processed without manual intervention. |
No information available | |
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Payment Processing Speed Average time for processing standard payments. |
No information available | |
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Duplicate Payment Detection Prevents and flags duplicate transactions. |
Has controls for duplicate detection to prevent double payments. | |
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Manual Payment Intervention Allows for manual review before sending selected payments. |
Allows for manual review, overrides, and approvals of select payments before execution. |
Security and Compliance
(7 Yes /7 Known /10 Possible features)
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Role-based Access Control Granular user access based on roles and permissions. |
Implements role-based access for administration and user security. | |
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Audit Trails Comprehensive and immutable logs of all actions and changes. |
Maintains audit trails for all actions, per both Oracle’s documentation and industry regulations. | |
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Regulatory Compliance Adheres to local/international standards (e.g., PSD2, SOX, GDPR). |
Designed to adhere to international and regional regulatory requirements, e.g., PSD2, GDPR, SOX. | |
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Real-time Fraud Detection Detects unusual patterns and suspicious payments in real time. |
No information available | |
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Encryption Standards Uses strong encryption (e.g., AES-256) for data at rest and transit. |
Features end-to-end encryption for data at rest and in transit as a standard offering for Oracle Cloud products. | |
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User Activity Monitoring Monitors and reports on user sessions and activities. |
No information available | |
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Multi-factor Authentication Requires multiple verification factors for critical actions. |
Offers multi-factor authentication as a standard security feature for sensitive operations. | |
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Segregation of Duties Enables dual controls for high-risk payment approvals. |
Supports segregation of duties through user roles and workflow rules. | |
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Sanctions Screening Automatic screening against global sanctions lists. |
Provides automated sanctions screening against lists for compliance. | |
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Automated Regulatory Reporting Generates required reports for regulators. |
No information available |
User Experience and Accessibility
(5 Yes /5 Known /10 Possible features)
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Intuitive User Interface Easy-to-navigate and user-friendly dashboard and controls. |
Oracle Cash Management UI is web-based and designed for ease of navigation and clarity. | |
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Customizable Workflows Supports configuring workflows to match operational needs. |
Workflows are configurable to adapt to different operation and approval requirements. | |
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Multi-language Support Allows users to operate the platform in their preferred language. |
Provides multi-language support for global users. | |
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Mobile Accessibility Access and operate the payment factory via mobile devices. |
Accessible via browser on mobile devices (responsive UI), and there are mobile apps for related Oracle Cloud financial services. | |
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Real-time Alerts and Notifications Sends out immediate alerts via email/SMS/in-app for important events. |
Delivers real-time alerts/notifications for important events such as payment approvals, errors, or cash position changes. | |
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Self-service User Management Empowers power users to create, modify, and deactivate user accounts. |
No information available | |
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Processing Dashboard Provides live status updates and visualizations of payment workflows. |
No information available | |
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Bulk User Actions Perform actions like enabling/disabling or resetting access for multiple users simultaneously. |
No information available | |
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Accessibility Compliance Meets standards (e.g., WCAG) for users with disabilities. |
No information available | |
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Performance Speed Average time to load primary dashboard or core functions. |
No information available |
Cash Position and Liquidity Management
(7 Yes /7 Known /10 Possible features)
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Real-time Cash Position Displays updated balances across global accounts. |
Provides real-time visibility of cash balances and positions across global bank accounts. | |
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Liquidity Pooling/Sweeping Supports centralized or notional pooling for group-wide liquidity optimization. |
Supports both physical and notional liquidity pooling, according to Oracle solution guides. | |
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Automated Cash Concentration Automatically gathers funds to a central account. |
Has automated cash concentration/centralization as part of its treasury optimization functionality. | |
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Intraday Position Reporting Provides multiple intra-day snapshots of cash positions. |
No information available | |
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Short-term Cash Forecasting Forecasts expected inflows and outflows over days/weeks. |
Enables automated short-term forecasting for cash inflows and outflows at global and entity levels. | |
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Investment/Short-term Placement Integration Integrates with platforms for investing surplus cash. |
No information available | |
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Automated Funding/Deficit Alerts Notifies users of projected deficits or excesses. |
System can be configured to notify users of projected funding surpluses or shortfalls. | |
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Liquidity Reports Generation Speed Time taken to generate comprehensive liquidity reports. |
No information available | |
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Scenario Analysis Supports ‘what-if’ analysis for liquidity planning. |
Provides scenario/what-if analytics for liquidity and cash planning. | |
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FX Exposure Management Identifies and tracks foreign exchange exposures by currency. |
Tracks and identifies FX exposures as part of its core treasury management functionality. |
Reporting and Analytics
(9 Yes /9 Known /10 Possible features)
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Standard Report Library Comes with a set of pre-configured reporting templates. |
Comes with prebuilt reporting templates covering standard cash management and compliance requirements. | |
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Custom Report Builder Allows users to design and save custom reports. |
Provides a custom report builder integrated into Oracle cloud dashboards. | |
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Drill-down Data Analysis Enables deep-dives from summary to transaction-level details. |
Summary-to-transaction drill-down capabilities are available in cash and liquidity reporting. | |
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Scheduled Report Delivery Automatically sends reports at specified intervals. |
Reports can be scheduled for automated delivery to designated users. | |
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Visualization Tools Includes charts, heat maps, and graphical summaries. |
Visualization tools such as dashboards, charts, and data visualizations are built-in. | |
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Ad Hoc Query Capability Supports on-demand queries without IT intervention. |
Ad hoc reporting and query are standard functions in Oracle reporting modules. | |
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Export Formats Supported Supports multiple export options (PDF, Excel, CSV, etc). |
Multiple export formats (Excel, CSV, PDF, etc.) for data and report output. | |
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Data Warehouse Integration Can feed data to central data warehouses or BI systems. |
Data warehouse and BI integration via connectors, per Oracle Fusion Cloud documentation. | |
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Report Generation Speed Average time to generate transactional reports. |
No information available | |
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Historic Data Analysis Enables trend and variance analysis over time. |
Performs trend and variance analysis with long-term historic data. |
Compliance and Audit
(5 Yes /5 Known /10 Possible features)
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Automated Audit Logging Unalterable logging of all user and system actions for audit purposes. |
Maintains immutable audit logs, compliant with industry standards for auditability. | |
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Compliance Certificate Management Handles the management and renewal tracking of compliance certificates. |
No information available | |
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Rule-based Policy Enforcement Implements and enforces configurable compliance rules. |
Allows for rules-driven policy enforcement and compliance workflows. | |
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Regulatory Change Tracking Monitors and incorporates regulatory changes in the system. |
Monitors regulatory changes; frequent Oracle financial cloud release notes address compliance updates. | |
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Automated Exception Handling Identifies, logs, and escalates compliance exceptions. |
No information available | |
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External Auditor Access Allows secure, limited-time access for third-party auditors. |
No information available | |
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SLA Monitoring Monitors and reports on SLA adherence for regulatory filings. |
No information available | |
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SOX/PCI Support Explicit compliance with SOX, PCI DSS, and related frameworks. |
Explicit support for SOX and PCI compliance in product documentation. | |
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Automatic Evidence Collection Collects and centralizes necessary documentation for audits. |
Systematic and automated collection of audit evidence; evidenced in audit/compliance module literature. | |
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Compliance Dashboard Refresh Rate Frequency of dashboard data updates for compliance tracking. |
No information available |
Operational Control and Risk Management
(7 Yes /7 Known /10 Possible features)
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Dual Authorization Controls Requires two or more authorizations for sensitive actions. |
Dual authorization controls for critical transactions are widely described in Oracle user documentation. | |
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Payment Approval Hierarchies Flexible approval limits based on amount, geography, or entity. |
Multi-level, rule-based approval hierarchies are configurable for payments and fund transfers. | |
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Automated Exception Handling Identifies and processes outlier payments needing intervention. |
Automates exception handling via workflows for outlier or flagged transactions. | |
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Real-time Risk Scoring Scores transactions for risk and flags high-risk items. |
Provides integrated real-time risk scoring as part of payment workflow configuration. | |
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Blacklisting/Whitelisting Supports creation of payment counterpart black/whitelists. |
Supports custom blacklists and whitelists for counterparties in payment and treasury functions. | |
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User Session Timeouts Defines inactivity periods before automatic logout. |
No information available | |
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Business Continuity Features Ensures operation through redundancy and failover. |
Oracle Cloud offers robust business continuity and disaster recovery features. | |
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Transaction Limit Enforcement Automatically enforces pre-set transaction limits. |
Supports enforcement of per-user and system-wide transaction limits in line with best practice. | |
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Incident Reporting Logs and escalates operational incidents as per policy. |
No information available | |
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Disaster Recovery Time Objective Maximum allowable downtime in the event of disaster. |
No information available |
Scalability and Performance
(3 Yes /4 Known /10 Possible features)
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Concurrent User Support Maximum number of concurrent users supported without degradation. |
No information available | |
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Transaction Throughput Maximum number of transactions processed per hour. |
No information available | |
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Automatic Load Balancing Dynamically distributes workloads for optimal performance. |
Automatic load balancing and dynamic scaling are standard in Oracle Cloud infrastructure. | |
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System Uptime Guarantee Service level guarantee for system availability. |
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Oracle Cloud advertises 99.9%+ uptime SLAs for business SaaS workloads. | |
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Geographic Redundancy Supports operation across multiple geographic data centers. |
Oracle Cloud operates across multiple global regions, ensuring geographic redundancy. | |
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Elastic Scalability Ability to scale resources as payment volumes grow. |
Can scale infrastructure elastically via Oracle Cloud Platform as needed. | |
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Upgrade Downtime Average downtime required for software upgrades. |
No information available | |
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Historical Data Retention Period Duration for which transaction history is stored and accessible. |
No information available | |
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Response Time for User Actions Average backend response time for standard user operations. |
No information available | |
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Batch Processing Capacity Maximum batch file size processed in one go. |
No information available |
Implementation, Support, and Maintenance
(9 Yes /9 Known /10 Possible features)
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Rapid Implementation Tools Supports quick deployment via migration, configuration, and training tools. |
Rapid implementation is supported via Oracle Cloud accelerators and migration tools. | |
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Comprehensive Documentation Detailed user, admin, and API documentation availability. |
Robust, searchable online documentation and API references are available. | |
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Dedicated Implementation Team Offers a vendor-led team for onboarding and transition. |
Onboarding typically includes guidance from a dedicated Oracle finance/implementation team. | |
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24/7 Support Availability Round-the-clock technical and operational support. |
24/7 customer support is included in Oracle Cloud service agreements for enterprise clients. | |
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Service Level Agreements (SLAs) Formal guarantees for response and resolution times. |
Offers detailed SLAs as part of contractual documentation. | |
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Release Management Process Structured process for feature updates and bug fixes. |
There’s a formal release management and communication process for updates and security patches. | |
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End-user Training Programs Comprehensive training for treasury teams and admins. |
Extensive training offered via Oracle University and onboarding programs. | |
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Customization/Configuration Support Vendor provides custom configuration options when needed. |
Supports client-specific customization and configuration of workflows and reporting. | |
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Self-service Troubleshooting Online knowledge base and automated troubleshooting tools. |
Self-service knowledgebase and troubleshooting tools available in Oracle Help Center. | |
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Upgrade Frequency Average cadence for feature and security upgrades. |
No information available |
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