What does it look like when a leading provider of Risk software pivots to innovation? I got a good answer to this question when I attended Oracle’s annual event for industry analysts held at the Oracle campus in Redwood City, CA.
Oracle is one of the few providers (IBM is another) that provides the full technology stack, from servers to databases to business solutions. Oracle is now investing to update its full stack approach for the digital era, and that means making its cloud services more competitive as well as developing data management and model lifecycle capabilities oriented to support AI.
A longstanding cornerstone of Oracle’s strategy has been to provide a full technology stack—from hardware to databases to business solutions—to support enterprise computing. To maintain this strategy in the digital age, the company launched its cloud infrastructure services (Oracle Cloud Infrastructure—OCI) in 2016 and has been building data management and model lifecycle management capabilities to support machine learning, with the release of DB 23ai in 2023 marking a key milestone here.
The main takeaway from the 2025 analyst event is that over the past eighteen months Oracle has been incorporating generative AI into its broad set of solutions to enhance its bid to become a leader in digital enterprise solutions, as well as an innovator in one of its financial services strongpoints, risk management and compliance.
Over the years, the company has been porting its Fusion enterprise business solutions to a cloud-first SaaS platform. Now, Oracle is all-in with transformer technology and to date has built 100+ generative AI use cases into the Fusion solutions. Oracle has also developed more than 50 AI agents to provide assisted automation for a variety of functions, such as billing and HR, within its solutions. Additionally, the company provides a development environment, Oracle AI Agent Studio, for customers to create their own AI agents. Oracle is also building out its financial services solution suite—35+ products that support core and business functions in banking and insurance—on SaaS. In terms of momentum in cloud transformation, the company says it has worked with 65 FSI customers in 21 countries to move financial solutions to SaaS.
A long-time leader in risk management and compliance software, Oracle is focusing its innovation in Risk on developing agentic systems for risk-specific functions. In the financial risk space, Oracle is introducing an agentic system to support stress testing, with the vision of providing intraday, on-demand stress testing, even on the go through mobile devices.
In the financial crime and compliance space, Oracle has developed an agentic system to automate alert investigation, called AI Investigator. AI Investigator has agents supporting sanctions, KYC and AML transaction monitoring alerts, with fraud on the roadmap. The agents are built in AI Agent Studio and use LLMs to review data and activity; confirm customer risk in the case of sanctions and KYC, or suspicious activity in the case of AML; and generate narratives providing the evidence and conclusions of the automated investigations. The agentic system then serves the evidence and the story up—in Oracle’s new, intuitive Redwood UI—for a human-in-the-loop analyst to review. Oracle estimates these automated investigations can save 80 to 90% of analyst time. With this product Oracle joins just a handful of tech companies—including SymphonyAI and Greenlite—providing agentic AI systems to automate FCC investigations.
While Oracle’s main game is to build its cloud business and maintain its presence in enterprise solutions, its digital strategy requires the company to innovate, on both a macro level as seen with its SaaS-based enterprise solutions, as well as in focused domains such as Risk. Oracle’s new emphasis on innovation in Risk was on full display in Redwood City this week.
