ORACLE BANKING DIGITAL EXPERIENCE LICENSING

This document consists of following topics:

• Oracle Banking Digital Experience Base
• Oracle Banking Digital Experience Aggregation Services
• Oracle Banking Digital Experience Origination
• Oracle Banking Digital Experience Servicing
• Oracle Banking Digital Experience Convenient Payments
• Oracle Banking Digital Experience Wealth Management
• Oracle Banking Digital Experience Customer Financial Insights
• Oracle Banking Digital Experience Wallets

This chapter covers licensing information for Oracle Banking Digital Experience.

Oracle Banking Digital Experience Base

This section presents the licensing information of Oracle Banking Digital Experience Base.

Oracle Banking Digital Experience Base

The Oracle Banking Digital Experience Base provides the framework and infrastructure components of the omni channel digital experience platform. It includes functions that enable users of the financial institution to configure and manage the application; add and manage its subscribers.

The Oracle Banking Digital Experience Base also includes the UI User Interface (User Interface) framework that has been used to build the screens of the application. This UI framework can be used for modifying or tailoring the UI screens as per the bank’s needs.

The User Interface for Oracle Banking Digital Experience suite also provides you with following

• UI code for implementing responsive web design using Oracle JavaScript Extension Toolkit (JET. You will be free to modify the UI as per your requirements, however the support will be provided for the UI shipped out of the box

The Oracle Banking Digital Experience Base allows financial services subscribers registered in the application to access the application via two touch points or channels - the mobile and online.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Database Enterprise Edition or Oracle Database Standard Edition
• Oracle Weblogic Server Enterprise Edition or Oracle Weblogic Suite for Oracle Applications
• Oracle Live Experience – Optionally required, if the bank wants to enable the feature of live assistance for its users.

b. Components and Features Included

The following table describes the components and features included with a license for Oracle Banking Digital Experience Base.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Base	Online and Mobile Access Points

c. Restricted Use Licensing

Oracle Banking Digital Experience Base product contains all or portions of the following Oracle products:

Product or Component	Available Features
Oracle JavaScript Extension Toolkit (JET) 2.2.0	UI (User Interface) framework Note that Oracle JavaScript Extension Toolkit (JET) 3.0 shall be used only for building and modifying UI (User Interface) within Oracle Banking Digital Experience. It shall not be used for building UI (User Interface) for applications outside Oracle Banking Digital Experience.

d. General Licensing Information

Oracle Banking Digital Experience Base can be licensed with the instance.

Oracle Banking Digital Experience Chatbot

Chatbot is an artificial intelligence system that interacts with users over a messaging platform. Oracle Banking Digital Experience provides an interface for Chatbot which is pre-integrated with Oracle Digital Assistant. Using this platform, end users can interact with the bank for various queries and daily transactions

Chatbot product is developed for the bank’s ‘Facebook Messenger’ and their ‘Mobile Application’. Each feature enables the end user to perform below transactions -

• Transactions in Facebook Messenger -
• View Account Balance
• Fund Transfer – Existing Payee
• Locate ATM Automated Teller Machine terminal allows customers having an ATM or debit card to perform several banking transactions such as cash withdrawal, balance inquiry, funds transfer, and so on. or Branch
• View Recent Transactions
• Inquire about user's spends
• Inquire about upcoming payments
• Inquire about credit card due
• Inquire about credit card cash and credit limits
• Inquire about outstanding balance on loan account
• Inquire about next installment date and amount of loan
• Inquire about banking products
• Customer Service Requests
• Fund Transfers – Internal, Domestic and International
• Transactions in Mobile Banking Application -
• Account Balance
• Inquiry
• Fund Transfer
• Locate ATM or Branch
• View Recent Transactions
• Inquire about user's spends
• Inquire upcoming payments
• Inquire about credit card due
• Inquire about cash and credit limits of credit card
• Inquire about outstanding balance on loan account
• Inquire about next installment date and Installment amount
• Inquire about banking products

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base
• Oracle Digital Assistant or any other third party AI-powered assistants platform

b. Components and Features Included

The following table describes the components and features included with a license for the Oracle Banking Digital Experience Chatbot.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Chatbot	Facebook Messenger Chatbot Mobile Banking Application Chatbot

c. Restricted Use Licensing

Oracle Banking Digital Experience Chatbot product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Chatbot can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Personal Assistant

Oracle Digital Experience provides an integration with voice assistants Siri for fulling the banking needs of end customers.

This feature harnesses Apple’s voice command assistant, Siri, to enable users to initiate voice based payments to registered payees from their mobile devices. The user can, hence, simply use voice commands to launch Siri and transfer money to payees without having to physically access the banking application to make payments.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for the Oracle Banking Digital Experience Personal Assistant.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Personal Assistant	Siri Personal Assistant

c. Restricted Use Licensing

Oracle Banking Digital Experience Personal Assistant product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Personal Assistant can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Smart Messaging

Oracle Digital Experience Smart Messaging allows the user to initiate a payment to a beneficiary through its phone messaging system. The payment gets effected on accessing the bank icon post due authentication. It is effected to the beneficiary whose message is open while accessing the bank icon or logo.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for the Oracle Banking Digital Experience Smart Messaging.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Smart Messaging	Initiate Payment to an I message contact

c. Restricted Use Licensing

Oracle Banking Digital Experience Smart Messaging product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Smart Messaging can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Wearables

Oracle Banking Digital Experience Wearables provides ‘Watch Banking’, which is a new age digital channel offered by the banks to its customers to perform simple operations on the go from their watch. It can be an Apple or an Android watch from which the customer can initiate inquiries as well as transactions.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for the Oracle Banking Digital Experience Wearables.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Wearables	Registration of wearables, Login from wearable device, Transaction Approvals, Own Account Transfer, Quick Snapshot, ATM and Branch Locator

c. Restricted Use Licensing

Oracle Banking Digital Experience Wearables product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Wearables can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Helpdesk

Oracle Banking Digital Experience Helpdesk is solution provided to the bank for situations when a business user need an assistance from the banks Contact Centre.

In such situations, the business user can approach the bank, using the helpdesk feature, bank Contact Centre assistance users can take the session control of the user’s internet banking account and assist the users with their banking experience. The session control is taken only after successful authentication of the token received from the user.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for the Oracle Banking Digital Experience Helpdesk.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Helpdesk	Enables the bank admin to take session control of any subscriber’s account and execute the required transaction

c. Restricted Use Licensing

Oracle Banking Digital Experience Helpdesk product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Helpdesk can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Aggregation Services

This section presents the licensing information of Oracle Banking Digital Experience Aggregation Services.

Oracle Banking Digital Experience Aggregation Services

The Oracle Banking Digital Experience Aggregation Services enables the banks to provide aggregated view to the customers for accounts maintained across banks. The capability enables retail users of the bank to link their external banks accounts with their subscriber id. The Bank fetches the external bank accounts information using the public APIs published by external banks.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for the Oracle Banking Digital Experience Aggregation Services.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Aggregation Services	Consolidated view of all accounts on an Aggregation dashboard, Quick and easy payment between the aggregated accounts.

c. Restricted Use Licensing

Oracle Banking Digital Experience Aggregation Services product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Aggregation Services can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Origination

This section presents the licensing information of Oracle Banking Digital Experience Origination Applications.

Oracle Banking Digital Experience Originations for Liability Accounts

The Oracle Banking Digital Experience Originations for Liability Accounts includes functionalities that enable applicants, both existing customers as well as prospects to apply for retail liability products offered by the bank, it enables the applicants to view/update/track their applications once they are saved or submitted.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for Oracle Banking Digital Experience Originations for Liability Accounts.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Originations for Liability Accounts	Application for new Liability Products, Application tracker

c. Restricted Use Licensing

Oracle Banking Digital Experience Originations for Liability Accounts product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Originations for Liability Accounts can be licensed with the Bank Account Application metric.

Oracle Banking Digital Experience Originations for Credit Cards and Third Party Products

The Oracle Banking Digital Experience Originations for Credit Cards and Third Party A party is any individual or business entity having a banking relationship with the bank. enables customers to apply for a credit card. This is made possible by just providing the basic personal and financial details. The applicant can also define preferences such as whether add on card holders are to be added to the card and if balance transfers are to be defined.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for Oracle Banking Digital Experience Credit Cards and Third Party Products.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Originations Credit Cards and Third Party Products	Application for new Credit Card A credit card is a payment card issued to users (cardholders) as a method of payment., Application tracker

c. Restricted Use Licensing

Oracle Banking Digital Experience Originations for Credit Cards and Third Party Products contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Originations for Credit Cards and Third Party Products can be licensed with the Bank Account Application metric.

Oracle Banking Digital Experience Originations for Loans and Mortgages

The Oracle Banking Digital Experience Originations for Loans and Mortgages provides the functionalities to both prospects and existing customers to originate loans and mortgages. Based on the loan and mortgage product requirements it has functionalities to capture data from the applicants and then use them during the loan origination process. It also includes functionalities to track, manage and monitor the submitted loan applications.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for the Oracle Banking Digital Experience Originations for Loans and Mortgages.

Licensed Program	Features / Component Included with License
Oracle Digital Experience Originations for Loans and Mortgages	Application for new of Loan and mortgage Products, Application tracker

c. Restricted Use Licensing

Oracle Banking Digital Experience Originations for Loans and Mortgages product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Originations for Loans and Mortgages can be licensed with the Bank Account Application metric.

Oracle Banking Digital Experience Servicing

This section presents licensing information for Oracle Banking Digital Experience Servicing Applications.

Oracle Banking Digital Experience Retail Servicing

The Oracle Banking Digital Experience Retail Servicing enables the financial services subscribers that are retail customers of the financial institution to conduct various transactions and inquiries for the retail products of the bank.

The Oracle Banking Digital Experience Retail Servicing includes functionalities related to account inquiries, customer services, customer inquiries, credit cards, loans, and term deposits. The Oracle Banking Digital Experience Retail Servicing also contains functionalities for fund transfers across own accounts, domestic and international transfer.

It also contains functionalities for bill payments and the related maintenances.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for Oracle Banking Digital Experience Retail Servicing.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Retail Servicing	Retail (Retail Inquires, Retail Customer Services, Retail Term Deposits, Retail Transfer and Payments, Retail Bill Payments), Retail Loans, Retail Credit Cards

c. Restricted Use Licensing

Oracle Banking Digital Experience Retail Servicing product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Retail Servicing can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Corporate Servicing

Oracle Banking Digital Experience provides a whole set of services under its feature of ‘Corporate Servicing’, which enables the SME’s the Corporate Customers of the financial institutions to conduct various transactions and inquiries on the corporate products of the bank.

Listed below are such set of services offered under Corporate Servicing –

• Management of all types of Accounts and its Inquiries
• Customer Service Requests
• Fund Transfers – Internal, Domestic and International
• Bulk Payments
• Bill Payments
• Facility and Loan Origination – Includes requesting of new facility against an existing liability or a new sub facility against an existing liability and request for a new loan
• Servicing of Facility and its Collaterals and Loans
• Virtual Account Management – Enables corporates to reduce the number of real accounts needed and its associated costs, provides ease of reconciliation and gives better collection, visibility and deployment of money
• Liquidity Management – Enables management of liquidity by optimizing interest of liability accounts and reduce Interest cost and provides greater visibility over cash positions.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for Oracle Banking Digital Experience Corporate Servicing.

Licensed Program

Features / Component Included with License

Oracle Banking Digital Experience Corporate Servicing

Corporate (Corporate Inquires, Corporate Customer Services, Corporate Term Deposits, Corporate Transfer and Payments, Corporate Bill Payments, Corporate Bulk Payments), Virtual Account Management (Maintenance and View of Virtual Entity, Maintenance and View of Virtual Accounts, Maintenance and View of Virtual Account Structure, Maintenance and View of Remitter List, Bulk Upload for Creation of Virtual Account Structure and Virtual Accounts and Movement of money between Virtual Accounts.) Liquidity Management (Account Structure Summary, Account Structure Detail, Create Account Structure, Edit Account Structure, Sweep Log) Corporate Facility Origination (Request a New Credit facility or Sub Facility under an existing liability, Amendment of Existing Facility, Credit Facility Application Tracker) Corporate Facility Servicing (Overview of Facilities and Collaterals, View Summary and Details of Facilities, View Summary and Details of Collaterals) Corporate Loan Originations (Request for a New Term Loan, Working Capital loan, Equipment Loan, Real Estate Loan, and Loan Application Tracker) Corporate Loan Servicing (Loans Accounts Overview, Loan Accounts Summary i.e. Details and Account Activity, Loan Repayment, Schedule Inquiry and Disbursement Disbursement is the process by which the sanctioned loan amount is paid to the customer or seller (on behalf of the customer). Inquiry)

c. Restricted Use Licensing

Oracle Banking Digital Experience Corporate product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Corporate Servicing can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Corporate Trade Finance

The Oracle Banking Digital Experience Corporate Trade Finance contains functionalities related to Trade Finance.

Some of these available functionalities are related to Letters of Credit, Outward Guarantees, as well as Import and Export bills.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for Option: Oracle Banking Digital Experience Corporate Trade Finance.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Corporate Trade Finance	Corporate Trade Finance(Initiate Letter of Credit1, Amend Letter of Credit, View Letter of Credit, Initiate Outward Bank Guarantee1, View Outward Bank Guarantee, Amend Bank Guarantee, Initiate Bills, View Import Bills, View Export Bills, View Lines and Limits, Utilization, Customer Acceptance – Amendments and Discrepancies) 1Prerequisite Oracle Trade Finance Process Management

c. Restricted Use Licensing

Oracle Banking Digital Experience Corporate Trade Finance product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Corporate Trade Finance can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Convenient Payments

This chapter includes licensing information for Oracle Banking Digital Experience Convenient Payment Applications.

Oracle Banking Digital Experience Retail Peer-to Peer Payments

The Oracle Banking Digital Experience Retail Peer-to Peer (P2P) Payments includes functionalities to transfer funds, using an email id or mobile number or to a facebook ID. The sender uses the application to initiate the payment. The beneficiary can or cannot be a customer of the bank to receive the payment. The beneficiary registers his details with the bank to receive the payment.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Retail Servicing

b. Components and Features Included

The following table describes the components and features included with a license for Oracle Banking Digital Experience Retail Peer-to-Peer Payments.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Retail Peer-to-Peer Payments	Retail Peer-to-Peer Payments

c. Restricted Use Licensing

Oracle Banking Digital Experience Retail Peer-to-Peer Payments product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Retail Peer-to-Peer Payments can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Merchant Payments

The Oracle Banking Digital Experience Merchant Payments application provides the facility of interfacing with third party merchants. To perform Merchant Payment transactions, a Merchant URL is provided. Merchants can login through this URL using merchant details. The financial service subscribers can then login to the application can carry out funds transfers to the merchants as payments.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Retail Servicing and/or Oracle Banking Digital Experience Corporate Servicing

b. Components and Features Included

The following table describes the components and features included with a license for Oracle Banking Digital Experience Merchant Payments.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Merchant Payments	External Payment Interface

c. Restricted Use Licensing

Oracle Banking Digital Experience Merchant Payments product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Merchant Payments can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Wealth Management

This chapter includes licensing information for Oracle Banking Digital Experience Wealth Management Applications.

Oracle Banking Digital Experience Retail Mutual Funds

The Oracle Banking Digital Experience Retail Mutual Funds provides functionalities to buy, redeem, or switch mutual funds in the application.

The Oracle Banking Digital Experience Retail Mutual Funds also includes other mutual fund- related functionalities such as details for the mutual fund portfolio and dividend information of the mutual funds.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for Oracle Banking Digital Experience Retail Mutual Funds.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Retail Mutual Funds	Retail Mutual Funds

c. Restricted Use Licensing

Oracle Banking Digital Experience Retail Mutual Funds product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Retail Mutual Funds can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Customer Financial Insights

This chapter includes licensing information for Oracle Banking Digital Experience Customer Financial Insights Applications.

Oracle Banking Digital Experience Personal Finance Management

The Oracle Banking Digital Experience Personal Finance Management includes functionalities for creation and managing of personal financial goals.

The Oracle Banking Digital Experience Personal Finance Management also contains functionalities related to spending analysis and budget maintenance for individuals.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Retail Servicing

b. Components and Features Included

The following table describes the components and features included with a license for Oracle Banking Digital Experience Personal Finance Management.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Personal Finance Management	Personal Finance Management

c. Restricted Use Licensing

Oracle Banking Digital Experience Personal Finance Management product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Personal Finance Management can be licensed with the Financial Services Subscriber metric.

Oracle Banking Digital Experience Wallets

This chapter includes licensing information for Oracle Banking Digital Experience Wallets.

Oracle Banking Digital Experience Wallets

The Oracle Banking Digital Experience Wallets provides the user with digital wallets.

It allows the user to open a wallet, fund a wallet, pay money to friends and family, merchants and other using the wallet. Receive funds from other into the wallet. It can also allow the financial institution to display the context offers to the customer in the wallet.

a. Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking Digital Experience Base

b. Components and Features Included

The following table describes the components and features included with a license for Oracle Banking Digital Experience Wallets.

Licensed Program	Features / Component Included with License
Oracle Banking Digital Experience Wallets	NA

c. Restricted Use Licensing

Oracle Banking Digital Experience Wallets product contains all or portions of the following Oracle products:

Product or Component	Available Features
NA	NA

d. General Licensing Information

Oracle Banking Digital Experience Wallets can be licensed with the Financial Services Subscriber metric.

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