There has been a tendency to try and equate SAP's Business ByDesign with Oracle's AIA offering. This is an unequal comparison as the two offerings are fundamentally different.
SAP's Business ByDesign is a SaaS based on demand offering for the SMB market. With this offering SAP provides a pre-built set of business processes built on a base of 2100 web services. The functionality that is provided is supported by SAP, and cannot be customized.
Oracle's AIA offering is a platform for integration and extension. It provides a set of pre-built integration solutions (PIP's), and the platform can also be used to build extensions and customizations. This offering is not targeted for a specific market segment.
The only common feature in these two offerings is that they are based on a SOA framework.