A bold vision for data-driven digital banking

After Israel went nearly five decades without a new banking license, One Zero Bank was created to challenge a highly concentrated financial market and introduce a different model of banking. Built entirely as a digital institution without physical branches, One Zero focuses on delivering continuous financial guidance and personalised services through intelligent automation. At the center of this experience is Ella, the bank’s AI-powered digital private banker, which provides proactive financial insights and handles nearly 60% of customer inquiries autonomously.

From its inception, One Zero saw Oracle as a strategic technology partner and established its analytics and regulatory reporting foundation on Oracle Cloud Infrastructure (OCI). The bank’s data platform leverages Oracle Autonomous AI Lakehouse, Oracle Analytics Cloud, and Oracle Cloud Data Integration to deliver trusted financial insights and automated compliance, while TCS BaNCS Cloud supports core banking operations and transactions. TCS BaNCS Cloud feeds transactional data into Oracle’s analytics platform, where it is unified and used for reporting and financial insight. 

Business challenge: Build the operational backbone of a new digital bank

Launching a bank from scratch meant constructing the operational and data foundation required to run core banking services, generate supervisory reports, and support real-time financial insights.

One Zero needed a platform that could:

  • Create a trusted source of financial and operational data across multiple banking systems
  • Produce the supervisory and regulatory reports required for all banking operations
  • Provide real-time visibility into liquidity, risk exposure, and operational performance
  • Scale as the bank grows without requiring architectural redesign

Because One Zero was built without legacy infrastructure, it needed a data and analytics platform that could be deployed quickly while supporting long-term growth and operational transparency.

Solution: OCI data and analytics platform built on Autonomous AI Lakehouse

The architecture Oracle built for One Zero is designed to support open standards and data access across heterogeneous systems and multicloud environments:

  • Oracle Autonomous AI Lakehouse serves as the centralized repository for financial, regulatory, and analytical data, providing automation, governance, performance optimization, and support for open Lakehouse standards.
  • Oracle Cloud Data Integration orchestrates ingestion and transformation of data from the core banking platform, enterprise systems, and external sources.
  • Oracle Analytics Cloud delivers 200+ automated regulatory reports, management dashboards, and executive insights.
  • Oracle Fusion ERP provides the governed financial data required for compliance and reporting.

In parallel, TCS BaNCS Cloud operates as the bank’s digital banking and transactional engine, handling accounts, payments, and customer operations, while feeding trusted data into the Oracle analytics platform.

Results: Smarter operations and measurable outcomes

Since becoming fully operational in 2023, One Zero has achieved strong operational results:

  • Unified data from a variety of internal and external sources into a governed analytics platform
  • Automated more than 200 regulatory and supervisory reports, improving accuracy and auditability
  • Delivered near-real-time insights into liquidity, credit risk, and other key operational KPIs
  • Improved developer and DBA productivity through automation and centralized data management
  • Unified access control and governance across diverse internal and external users

“Oracle Autonomous AI Lakehouse and Oracle Analytics Cloud gave us a secure, unified analytics foundation from the very beginning. This platform allows us to automate regulatory reporting, gain real-time financial insight, and operate confidently as a fully digital bank.”

Liron Berkovitz
VP Data, Head of Financial Data & Systems, One Zero Bank

Why Oracle

One Zero chose Oracle because of its ability to deliver:

  • Open data access across heterogeneous and multicloud environments through support for open standards such as Apache Iceberg tables
  • An open Lakehouse architecture optimised for analytics and compliance
  • Autonomous operations that reduce administrative overhead
  • Banking-grade security and governance for regulated industries