Effective cash management is critical for any organization as it directly impacts its internal liquidity, financial stability, and operational efficiency. 

Oracle Cash Management is a comprehensive module within Oracle’s financial software suite. It gives businesses a dynamic set of tools for managing cash flows, banking activities, and financial processes.

Read on to learn more about Oracle Cash Management and how our senior-level Oracle consultants can help you maximize the technology you already own.

What is Oracle Cash Management?

Oracle Banking Cash Management Cloud Service allows banks and other financial institutions to assist corporate customers in efficiently managing work capital while aligning business processes with regulatory requirements. 

Built on modern technology and complete with innovative financial management tools, this advanced cloud solution equips bankers and corporate clients with precise cash flow predictions, streamlined collections and receivables processes, and seamless payment reconciliations.

Top Features of Oracle Cash Management

Let’s take a look at the key features of Oracle Cash Management for enterprise users:

Receivables and Collections


Leverage adaptable features to fit various scenarios, enabling the pooling, advancing, and deferring of credits as needed.

Extensive Collections

Limit processing delays with thorough collections management features, such as check collections that can be made from specific customer pickup locations.

AI Integration

Streamline settlement processes with intelligent AI-powered invoice management. Automate core reconciliation processes with intelligent machine-learning tools that streamline invoice collection, reading, and management.

Managing Cash Flow


Access real-time cash positions through dashboards explicitly designed for banks and other corporate clients.


Use intuitive cash flow predictions to ensure optimal cash utilization strategies and create various filters, such as timeframes and business scenarios.

Complete Reconciliation

Manual Reconciliation

Leverage manual reconciliation capabilities to identify and resolve unreconciled invoices through customizable dashboards.

Automatic Reconciliation

Automatically reconcile bank statements based on predefined rules to limit expenses and reduce the risk of errors.

Multi-way Reconciliation

Manage and match one or more payments with one or more invoices in a single, unified platform.

Undoing Reconciliation

Leverage intuitive reconciliation tools to automatically or manually undo reconciliation processes for already reconciled invoices.

Cloud Native solutions

Minimal Downtime

Continuous regeneration capabilities in the Oracle Cash Management solution help companies maintain optimal service levels and reduce the probability of system failures. The solution also automatically monitors the environment, offering insights to prevent service interruptions through manual or rule-based actions.

Future-Ready Solution

Oracle’s Cash Management solution makes staying up-to-date with frequent release cycles and automatic upgrades easier, allowing customers to focus on value-added tasks rather than tedious manual activities. Oracle’s cloud-native environment also ensures a seamless experience through automated provisioning and readily available interfaces.

High Scalability

With a complete Oracle technology stack and connections to Oracle’s cloud-native environment, companies can leverage automatic provisions and additional infrastructure to accommodate sudden rises in demand and avoid capacity limitations. Banks can use pay-per-use functionality to optimize operational expenses while minimizing capital costs and protecting critical financial data.


The Cash Management Cloud Service is implemented across multiple availability domains, offering automated switchover, disaster recovery in the same region, and continuous regeneration of services. The solution optimizes resources based on various factors for reliability, visibility, and control across the entire technical landscape.

Intuitive Dashboards

Account Aging

A dashboard to monitor the maturity of accounting entries and other accounts receivable data, visualizing the percentage of unpaid invoices that are either past due or approaching their due dates.

Payer Performance

A dashboard that emphasizes the number of customers who have made early or on-time payments and those who have defaulted.

Receivables Overview

A dashboard presenting the percentage of receivables categorized as overdue, outstanding, and settled, along with other relevant receivables details.

Collection and Refund Analysis

A dashboard for tracking the percentage of collections and refunds across different payment methods.

Top 3 Benefits of Oracle Cash Management

With the Oracle Cash Management platform, users can:

1. Reduce Idle Cash

Real-time cash positioning is critical to avoiding bank balance overdrafts and effectively handling liquidity. Oracle Cash Management provides direct access to daily cash flows from existing operational systems and bank reports. Users can quickly assess their daily cash status by currency, bank account, or legal entity, allowing them to forecast their daily cash requirements and analyze their company’s liquidity. 

Oracle Cash Management facilitates managing positions across multiple currencies, organizations, and bank accounts. Users can quickly create reusable templates to generate daily cash positions, analyze them at a summarized level, or dive into specific transactions for detailed insights into core accounting information. 

Users can execute bank transfers once an accurate cash position and a cash surplus or deficit management method have been determined. Its seamless integration with Oracle Treasury equips teams with robust tools to conduct investment and borrowing transactions in cases of a funding surplus or deficit.

2. Execute Control Over Bank Accounts

Timely reconciliation of bank accounts is essential for safeguarding against unauthorized transactions. Oracle Cash Management delivers robust reconciliation features, empowering users to maintain precise cash balances, detect and resolve discrepancies, handle bank errors, and oversee fraud activity. Automating this process significantly reduces administrative burdens and costs for internal audit and treasury departments.

With Oracle Cash Management, users can effortlessly monitor all bank account balances, compare actual balances with anticipated closing balances, and continuously enhance existing forecasting methods. Oracle’s built-in security framework allows users to grant access to designated bank accounts for specific tasks, ensuring segregation of duties and adherence to corporate governance standards.

3. Meet Cash Obligations for Vital Business Operations

Oracle Cash Management provides direct insight into anticipated cash requirements and projected receipts, allowing swift analysis of organization-wide cash needs and currency risks and ensuring efficient cash utilization and liquidity. 

With flexible cash forecasting capabilities, Oracle Cash Management supports multi-currency forecasting across various organizations and timeframes. Using the external cash flow interface and distributed database support, users can generate forecasts combining relevant transaction data from local and remote databases. Various forecast templates can be defined for different purposes and timeframes. 

Oracle Cash Management facilitates building forecasts based on expected transactions, such as pending orders and invoices, generating future cash flows, and analyzing historical transactions like past payments and receipts to project future trends.

Why Use an Oracle Banking Cash Management Cloud Service?

Improved Cash Flow Management

Ensure appropriate cash flow across various economic conditions through optimized working capital and reduced operational expenses.

Microservices Infrastructure

Access a cloud-native microservices architecture with high concurrency and scalability to drive better financial outcomes and successfully implement services in Tier 1 banks.

Precise Cash Positioning

Facilitate the accurate calculation of cash positions for entities and banks, assisting in informed decision-making regarding future cash flows.

Streamlined Processing

Accelerate the processing of receivables and payables through comprehensive rule-based automation functionality.

Access to a Financial Ecosystem

Harness interconnected data from a diverse ecosystem comprising banks, fintech companies, and corporations.

AI/ML Integration

Combine advanced intelligence tools with interconnected data to ensure precision and scalability across core financial management processes.

Oracle Cash Management Use Cases

  • Risk Management: With real-time cash visibility and forecasting, businesses can more effectively assess and mitigate financial risks.
  • Treasury Management: Oracle Cash Management helps treasury teams monitor and optimize cash positions, making it easier to manage debt, investments, and working capital.
  • Accounts Payable and Receivable: The solution streamlines payment and receipt processes, further improving relationships with suppliers and customers.
  • Financial Reporting: Automated reconciliation and transaction management allow users to simplify the creation of financial reports, providing accurate insights into cash flows and bank account activities.

How We Can Help

Whether you need help implementing a new Oracle solution to enhance your cash management processes, automating general ledger management activities, or maintaining communication across project teams, Surety Systems can help.

Our team of senior-level Oracle consultants has years of experience and functional expertise to understand your critical project needs and lead your team to long-term success.

Contact Us

Are you ready to learn more about Oracle Cash Management and how our team of senior-level Oracle consultants can help maximize your return on investment?

Contact us today!