2.5.1 Oracle Banking APIs Customer Financial Insights

The Oracle Banking APIs for Customer Financial Insights enables the financial institution to expose APIs of Personal Financial products and services for integrating with various application built for Retail customers of the financial institution. It also supports Aggregation Services that 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.

The Oracle Banking APIs Customer Financial Insights includes functionalities listed below:

• Personal Finance Management
• Creation of Personal Financial goals
• Managing of Personal Financial goals
• Spending Analysis
• Budget Maintenance
• Aggregation Services
• Aggregated view of customer’s accounts across banks

In order to process the above functionalities, if there is any infrastructure API called viz limits, account/transaction access/entitlements, 2FA then that API call will be measured as part of this SKU.

3.4.1.1 Separately Licensed Prerequisite Products

The following prerequisite products require separate licenses:

• Oracle Banking APIs for Retail Banking

3.4.1.2 Components and Features Included

Licensed Program	Features / Component Included with License
Oracle Banking APIs for Customers Financial Insights	Personal Finance Management Creation of Personal Financial goals Managing of Personal Financial goals Spending Analysis Budget Maintenance Aggregation Services Consolidated view of all accounts on an Aggregation dashboard,

3.4.1.3 Restricted Use Licensing

Product or Component	Available Features
NA	NA

3.4.1.4 General Licensing Information

Oracle Banking APIs for Customer Financials Insights can be licensed with API calls metric.