Oracle Banking Liquidity Management enables banks to run a single centralized stand-alone liquidity management solution based on contemporary technology with ability to support comprehensive liquidity management techniques. Banks can minimize operational complexities in liquidity management for corporates by automating processes and backend systems.
The solution supports comprehensive liquidity management capabilities such as sweeping, pooling, multi-bank cash concentrations, real-time liquidity management, and intercompany loans, interest optimization, real-time visibility into liquidity positions and management of global liquidity structures.
With Oracle Banking Liquidity Management banks can empower corporates to manage their working capital efficiently and improve accessibility to internal and external funding. Using Oracle’s Liquidity Management solution banks can provide real-time, accurate and consolidated information on liquidity position to facilitate efficient / effective liquidity management for corporate customers. Oracle helps banks enable complete visibility into cash positions for their corporate customers. This results in better utilization of available funds and reduced interest costs through short-term bank borrowings.
Banks can also offer real-time liquidity management facility to corporates to manage funds in real-time and maximize business growth. Corporates can centralize cash and earn interest earnings. Also corporates will now have the facility to invest in high yield instruments and earn additional revenues and compensate trapped liquidity.
Oracle’s Liquidity Management Solution supports a multi-country, multi-branch, multi-currency sweeping and pooling structures. This helps in optimizing liquidity both domestically and across currencies and borders. The solution supports cross-border techniques like follow-the-sun and against-the-sun sweeping to centralize liquidity on a global basis. Banks can also offer corporates the facility to simulate sweeps and pools. Corporates can apply various interests’ allocation and reallocation models to sweeps and pools to maximize their liquidity position, manage their working capital more effectively and minimize borrowing as much as possible.
Oracle Banking Liquidity Management support multi-bank cash concentration through SWIFT allowing banks to automate and concentrate funds across third party bank accounts in different regions for corporate customers. Banks can enable corporates to move funds at end of day, intraday, weekly or monthly and support sweeps such as Zero, Target, Threshold, Collar balancing and Percentage.
The solution allows banks to empower corporates to offer short term, long term and on-demand intercompany loans. Intercompany loans are very helpful for corporates to fund business units with cash shortfalls, aggregate funds for investment purpose, offer loans to subsidiaries at a much lower interest rate and minimize the effect of currency fluctuation while funding business units that use local currency.
Oracle Banking Liquidity Management offers a wide range of intuitive dashboards for bank staff. These intuitive dashboards empowers bank staff to serve customers quickly and offer innovative solutions.
By interfacing with Oracle Banking APIs, the solution offers a vast Open API set across Liquidity Management functions. Additionally with pre-built interfacing with Oracle Banking Digital Experience the solutions allows banks to offer self-service that empower corporates to manage cash efficiently with ease.
