Oracle Banking Payments application enables creation of users through SMDUSRDF UI. On authorization of the newly created user, the credentials are automatically mailed to the user’s email id. This reduces the risk of password been known to the administrator, who creates users for the bank.

User is forced to change the password on first login. The password supplied is hashed iteratively after being appended with a randomly generated salt value. Hashing algorithm used is of SHA-2 family and above.

User privileges are maintained by Roles. Roles definition is captured via another UI. These roles are mapped to a user in the SMDUSRDF UI. Basing on these user- roles mapping the user will have access to different modules in BANKING.