Oracle Financial Services Lending and Leasing

Manage the entire finance lifecycle, from originations to collections and asset management, on a single platform.

Elevate customer experience, optimize pricing, and reduce risk with a comprehensive relationship view across all financial products.

Integrate and engage with the broader finance ecosystem with prebuilt API interfaces to credit bureaus, valuation guides, credit card payment companies, and more.

Ensure versatility with purpose-built and field-proven capabilities for diverse market sectors—including device, equipment, vehicle, consumer, and vacation ownership finance, electric vehicle (EV) battery leasing, and managed print services leasing.

Maintain contracts in different currencies in a single portfolio by defining transactional currencies and exchange rates. Support diverse and complex accounting regulations with robust and flexible accounting options.

Adapt finance programs to subscription-based offerings—including buy now, pay later and usage-based programs—with flexible workflows, advanced behavioral scoring, and Internet of Things (IoT) connectivity.

Enable the ability to create, manage, and track securitization pools alongside customer finance agreement management—essential capabilities for supporting device securitization in the telecommunications sector.

Support new business models and growth with multiple options to deploy in the cloud—including managed cloud services, SaaS cloud services, and hosting in the cloud.

Integrate the solution into complex enterprise ecosystems rapidly with 600 REST API services and other integration tools.

Optimize automation with a robust business rules engine and configurable native workflows for end-to-end finance lifecycle management.

Accelerate origination with the capability to accept, process, and decision digital credit applications with a single data entry process. Enable and automate specialized collection-related activities. Boost productivity with automatic alerts and controls and real-time customer data.

Reduce the cost and burden of IT management with a single platform to manage the complete asset finance lifecycle.

Boost efficiency and customer relationships with extensive self-service capabilities via multiple channels to support basic updates and more complex functions, such as changing repayment schedules.

Leverage IoT functionality to improve asset management and support new finance models, such as subscription services.

Enable AI/ML-powered behavioral scoring and risk-based pricing capabilities to deliver improved profitability and lower credit risk exposure.

Improve your ability to meet internal and external compliance standards and controls with drill-down capabilities.