2. Oracle FLEXCUBE Universal Banking Licensing

2.1 Introduction

This chapter provides information on Oracle FLEXCUBE Universal Banking licensing. It contains the following sections:

• General licensing rules
• Components included in the license
• Separately licensed pre-requisite products and licensing metric
• Restricted use license

2.2 General Licensing Rules

Oracle FLEXCUBE Universal Banking has 14 modules that can be licensed by either account metric or by application user metric.

The following table lists out the modules which are primarily retail or corporate. The licensing rule against each of them defines how these modules would get licensed based on the usage of the bank.

Sl. No.	Module Description	Licensing Rule(s)
Retail Modules
1	Oracle FLEXCUBE Universal Banking Current Accounts and Savings Accounts	If the customer is using Universal Bank­ing for Retail pro­grams, these applications may only be licensed by the Account metric. How­ever, if the customer is using Universal Banking for Corpo­rate, and is not using Universal Banking for Retail, then a cus­tomer may license these programs under the Application User metric.
2	Oracle FLEXCUBE Universal Banking Payments and Col­lections
3	Oracle FLEXCUBE Universal Banking Standing Instruc­tions
4	Oracle FLEXCUBE Universal Banking Collections
5	Oracle FLEXCUBE Universal Banking Loans*
6	Oracle FLEXCUBE Universal Banking Account Origina­tion
7	Oracle FLEXCUBE Universal Banking Retail Loan Origi­nation

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Sl. No.	Module Description	Licensing Rule(s)
Corporate Modules
8	Oracle FLEXCUBE Universal Banking Funds Trans­fer	If the customer is using Universal Bank­ing for Corporate pro­grams, these applications may only be licensed by the Application User. However, if the cus­tomer is using Univer­sal Banking for Retail, and is not using Uni­versal Banking for Corporate, then a customer may license these programs under the Account metric.
9	Oracle FLEXCUBE Universal Banking Electronic Messaging Service
10	Oracle FLEXCUBE Universal Banking Nostro Recon­ciliation
11	Oracle FLEXCUBE Universal Banking Cash Manage­ment
12	Oracle FLEXCUBE Universal Banking Commercial Leasing
13	Oracle FLEXCUBE Universal Banking Integration Gateway
14	Oracle FLEXCUBE Universal Banking Commercial Loans Origination

2.3 Components Included in License

The following components are included in the Oracle FLEXCUBE Universal Banking license:

1. Signature Verification: is included with FLEXCUBE Universal Banking Current Accounts and Savings Accounts license.
2. Utility Payments: is included with Oracle FLEXCUBE Universal Banking Branch license.
3. Islamic Banking Support: The following Oracle FLEXCUBE Universal Banking module licenses have support for Islamic Banking.

• Oracle FLEXCUBE Universal Banking Base
• Oracle FLEXCUBE Universal Banking Asset Management
• Oracle FLEXCUBE Universal Banking Bills and Collection
• Oracle FLEXCUBE Universal Banking Cash Management
• Oracle FLEXCUBE Universal Banking Collections
• Oracle FLEXCUBE Universal Banking Current Accounts and Savings Accounts
• Oracle FLEXCUBE Universal Banking Fixed Assets
• Oracle FLEXCUBE Universal Banking Letters of Credit
• Oracle FLEXCUBE Universal Banking Money Markets
• Oracle FLEXCUBE Universal Banking Relationship Pricing
• Oracle FLEXCUBE Universal Banking Retail and Small and Medium Enterprise Loans
• Oracle FLEXCUBE Universal Banking Retail Loan Origination
• Oracle FLEXCUBE Universal Banking Swaps and Forward Rate Agreements
• Oracle FLEXCUBE Universal Banking Term Deposits

2.4 Separately Licensed Pre-requisite Products and Licensing Metric

The module wise list of separately licensed products and the licensing metric is given below.

For other separately licensable software pre-requisites, refer to the section Software Pre-requisites.

Module Description	Separately Licensed Prerequisites	Licensing Metric(s)
Oracle FLEXCUBE Universal Banking Base	● Oracle FLEXCUBE Development Workbench for Universal Banking	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Process Framework Base	● Oracle FLEXCUBE Development Workbench for Universal Banking	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Current Accounts and Savings Accounts	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Relationship Pricing	● Oracle FLEXCUBE Universal Banking Base ● Either Oracle FLEXCUBE Universal Banking Current Accounts & Savings Accounts OR Oracle FLEXCUBE Universal Banking Term Deposits	● Account
Oracle FLEXCUBE Universal Banking Term Deposits	● Oracle FLEXCUBE Universal Banking Base	● Account
Oracle FLEXCUBE Universal Banking Retail and Small and Medium Enterprise Loans	● Oracle FLEXCUBE Universal Banking Base	● Account
Oracle FLEXCUBE Universal Banking Payments and Collections	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Funds Transfer	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Electronic Messaging Service	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Nostro Reconciliation	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Standing Instructions	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Cash Management	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Branch	● Oracle FLEXCUBE Universal Banking Base	● Account
Oracle FLEXCUBE Universal Banking ATM Interface	● Oracle FLEXCUBE Universal Banking Base	● Account
Oracle FLEXCUBE Universal Banking Point of Sale Interface	● Oracle FLEXCUBE Universal Banking Base	● Account
Oracle FLEXCUBE Universal Banking Interactive Voice Response Interface	● Oracle FLEXCUBE Universal Banking Base	● Account
Oracle FLEXCUBE Universal Banking Mortgages	● Oracle FLEXCUBE Universal Banking Base	● Account
Oracle FLEXCUBE Universal Banking Consumer Leasing	● Oracle FLEXCUBE Universal Banking Base	● Account
Oracle FLEXCUBE Universal Banking Commercial Leasing	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Inventory Management	● Oracle FLEXCUBE Universal Banking Base ● Oracle FLEXCUBE Universal Banking Current Accounts & Savings Accounts	● Account
Oracle FLEXCUBE Universal Banking Collections	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Microfinance	● Oracle FLEXCUBE Universal Banking Base ● Oracle FLEXCUBE Universal Banking Retail and Small and Medium Enterprise Loans	● Account
Oracle FLEXCUBE Universal Banking Safe Deposit Box	● Oracle FLEXCUBE Universal Banking Base	● Account
Oracle FLEXCUBE Universal Banking Corporate Deposits	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Commercial Loans	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Loan Syndication	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Bills & Collection	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Letters of Credit	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Foreign Exchange	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Money Markets	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Swaps and Forward Rate Agreements	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Exchange Traded Derivatives for Commodities Futures and Options	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Exchange Traded Derivatives for Currency Futures and Options	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Exchange Traded Derivatives for Equity and Index Futures and Options	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Exchange Traded Derivatives for Interest Rate Futures and Options	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Over the Counter Currency Options	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Over the Counter Interest Rate Options	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Securities	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Fixed Assets	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Asset Management	● Oracle FLEXCUBE Universal Banking Base and EITHER of the below modules – Oracle FLEXCUBE Universal Banking Securities – Oracle FLEXCUBE Universal Banking Exchange Traded Derivatives for Interest Rate Futures and Options, – Oracle FLEXCUBE Universal Banking Exchange Traded Derivatives for Currency Futures and Options – Oracle FLEXCUBE Universal Banking Exchange Traded Derivatives for Equity and Index Futures and Options – Oracle FLEXCUBE Universal Banking Exchange Traded Derivatives for Commodities Futures and Options – Oracle FLEXCUBE Universal Banking Over the Counter Currency Options – Oracle FLEXCUBE Universal Banking Over the Counter Interest Rate Options – Oracle FLEXCUBE Universal Banking Swaps and Forward Rate Agreements	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Expense Processing	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Origination
Oracle FLEXCUBE Universal Banking Account Origination	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Universal Banking Term Deposits Origination	● Oracle FLEXCUBE Universal Banking Base	● Account
Oracle FLEXCUBE Universal Banking Credit Lines Origination	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Letters of Credit Origination	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User
Oracle FLEXCUBE Universal Banking Retail Loan Origination	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Univer­sal Banking Commercial Loans Origination	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account
Oracle FLEXCUBE Open Development Tools
Oracle FLEXCUBE Development Workbench for Universal Banking	● Oracle FLEXCUBE Universal Banking Base	● Application User
Oracle FLEXCUBE Testing Workbench for Universal Banking	● Oracle FLEXCUBE Universal Banking Base	● Application User
Oracle FLEXCUBE Interfaces and Tools
Oracle FLEXCUBE Universal Banking Integration Gateway	● Oracle FLEXCUBE Universal Banking Base	● Application User ● Custom Suite User ● Account ● Processor
Oracle FLEXCUBE Universal Banking Connector for Oracle Identity Manager	● Oracle FLEXCUBE Universal Banking Base	● Connector
Oracle FLEXCUBE Information Server
Oracle FLEXCUBE Information Server Base for Universal Banking	● Oracle FLEXCUBE Universal Banking Base	● Account
Oracle FLEXCUBE Information Server Retail Liabilities Data Mart for Universal Banking	● Oracle FLEXCUBE Information Server Base for Universal Banking ● Oracle FLEXCUBE Universal Banking Current Accounts and Savings Accounts ● Oracle FLEXCUBE Universal Banking Term Deposits	● Account
Oracle FLEXCUBE Information Server Retail Assets Data Mart for Universal Banking	● Oracle FLEXCUBE Information Server Base for Universal Banking ● Oracle FLEXCUBE Universal Banking Current Accounts and Savings Accounts ● Oracle FLEXCUBE Universal Banking Retail and Small and Medium Enterprises Loans	● Account

2.5 Restricted Use License

Not applicable for the FLEXCUBE Universal Banking Products.

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1. Oracle FLEXCUBE Universal Banking Loans module is available as (i) Oracle FLEXCUBE Universal Banking Retail and Small and Medium Enterprise Loans, licensable by the Account metric, in the Enter­prise Price List; and as (ii) Oracle FLEXCUBE Universal Banking Commercial Loans, licensable by the Application User metric, in the Component Price List.