Data & AI
Unify data, embed AI across journeys, and drive real-time personalization at scale. From onboarding and risk to financial advice and cross-sell, we give banks the foundation to turn insights into action — instantly and everywhere. To stay competitive, banks need more than just experiments. They need a platform to unify data and operationalize AI across every product, process, and channel.
The intelligence gap in banking is growing
Banks sit on mountains of valuable data — but most of it remains underused. Why? Because it’s locked in legacy systems, fragmented architectures, and siloed departments make it nearly impossible to activate this data meaningfully across the customer journey. Meanwhile, AI is reshaping customer expectations and market dynamics.
54%
of financial institution leaders believe data silos are a barrier to digital transformation
70%
of UK banking organizations are already in the pilot stage of testing generative AI
20-30%
loss of potential revenue each year due to inefficiencies created by siloed data
From siloed data to scaled intelligence
Deliver hyper-personalized experiences, 24/7 conversational support, and intelligent automation becoming the norm by unifying your data, breaking down internal silos, and embedding AI across your workflows. Unlock the ability to serve your customers at scale, automate with confidence, and deliver the kind of seamless banking experiences your customers expect — and your teams need to compete.
Boost operational efficiency
Streamline internal workflows and eliminate manual effort to reduce costs, increase speed, and free up teams for high-value work.
Make smarter, faster decisions
Deploy intelligent decisioning in onboarding, credit scoring, and eligibility to reduce decision times and improve risk management.
Speed up your innovation cycle
Build and launch AI-powered journeys and analytics faster, without re-building your entire architecture — launching new journeys to market in weeks, not months.
Unify your data to unlock powerful insights
Backbase breaks down silos and connects your data - from core to CRM, digital channels to third-party services - into one centralized Intelligence Fabric. It’s how we enable smart orchestration, AI-driven decisioning, and truly personalized engagement across the customer lifecycle.
Let AI and machine learning do the heavy lifting to automate manual processes, accelerate decisioning, and deliver personalized interactions at scale. Whether it's AI-powered onboarding, next-best-offer campaigns, or financial wellness coaching, our AI Agent is built to work in harmony with your workflows.
Turn raw data into real-time, actionable insights — enabling you to better understand customer behavior and financial health, and deliver predictive signals that help you grow. Combined with conversational AI capabilities, your bank can provide seamless, intelligent support across every channel — creating personalized, high-impact experiences at scale.
A modern data architecture is crucial to fuel innovation — integrating tools like a data lakehouse, and real-time analytics dashboards. Combined with AI/ML models, you can go to market faster and stay ahead of evolving customer expectations.
All this intelligence comes without compromise. Our platform includes robust data governance, anonymization with PII governance tools, and compliant-by-design AI workflows — so you can scale securely and ethically.
Proven use cases. Tangible outcomes.
Customer due diligence
AI-powered due diligence starts with unified data. Streamline KYC, AML, and transactional information across systems, for frictionless onboarding, automate risk assessments, and surface anomalies in real time.
Increase product holdings
With deep insights into your customers’ financial behavior, proactively identify product gaps and activate intelligent cross-sell and upsell journeys, ensuring your recommendations are always relevant, timely, and delivered through the right channel.
Conversational banking
Customers expect immediate, intelligent support — and with conversational AI, that’s exactly what they get. Deploy large language models (LLMs) that engage users naturally across different channels and enable it across balance checks, payment assistance to loan applications and financial guidance.
Holistic advice
Financial wellness is a new loyalty driver. Leverage AI-generated insights that help your customers plan, save, and invest more effectively. Deliver guidance that is not just contextual — but genuinely helpful, earning trust and long-term engagement.
Lending & Underwriting
Data-driven lending is faster, fairer, and more profitable. By analyzing income, spending, credit behavior, and alternative data sources in real time, your bank can automate underwriting decisions, detect risk early, and personalize loan offerings.
