Solutions designed especially for Business and Corporate Banking

We empower banks to accelerate their digital transformation and upgrade their outdated portals and banking apps into modern, digital experiences that are easy to use and result in more sales conversions and more satisfied customers. The Backbase omni-channel digital banking platform puts you in control of your digital strategy, allowing you to create, manage and optimize the end-to-end customer experience, putting you ahead of your competition.

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Three main objectives

Move your digital banking capabilities to the next level. Backbase offers a one-stop shop for building, running, managing and optimizing digital banking apps using state-of-the-art technology. Make the most of every customer interaction. Create personalized, cross-channel customer journeys that deliver exceptional brand experiences across all digital touchpoints.

1. Delight your customers

2. Empower your business teams

3. Accelerate your IT development

1. Delight your customers

Today’s customers expect seamless customer journeys – any time and any place – that are easy to use, without any friction. Backbase helps you modernize and orchestrate all your customer touchpoints, transforming multiple siloed banking channels and legacy applications into a consistent brand experience that’s easy to use and always available. Learn more about our out-of-the-box digital banking solutions that kickstart your project and dramatically decrease your time to market by leveraging industry best practices and ready-to-go implementation accelerators.

Multi-Account &
Multi-Currency Support

Empower your SME and corporate customers to have a dynamic, in-context overview of all their accounts in real-time. Enable them to easily take action at any moment, mitigating operational and financial risk while optimizing liquidity.

Get an overview of all account types, including current accounts, savings, international accounts, credit card and loans.

  • Support multi-currency accounts and see an up to date cash position over all accounts.
  • Investing and lending in multiple currencies: select various investment/lending options in supported currencies.
  • Allow businesses to hold foreign currency balances and avoid unnecessary conversions from payables and receivables in the same currency.

Optimized for
multi-user scenarios

Sophisticated entitlements solution that enables you to grant advanced access right to trusted users, and limit that access to the functions and data you permit.

  • Integrate your existing entitlement system, or leverage Backbase Entitlements to enable different users to have different levels of access and permissions to view, create or approve transactions.
  • Authorize payments on-the-go. Fully customizable to create your own views, and select preferred accounts or business performance metrics.
  • Mobile alerts and access to outstanding approval requests when on the move.

Cash Management

Get a view on your actual cash position in real-time (or near real-time). Empower your business and corporate banking customers to support, manage and optimize their liquidity and cash flow.

  • Integrate Backbase with existing cash management systems, prevent account or currency shortfalls.
  • Powerful graphing capabilities allow for real-time visual insight into your cash flow.
  • Get instant insight on the best option: money transfer, short loan or FX Trade.
  • Be informed at all times. Download your transactions and account statements into your ERP software.

Payments

Move from basic payment processing to delivering a strategic payment management solution based on incoming and outgoing transactional data.

Moreover, enable your business or corporate clients to execute batch payments, in one go – a fast, simple process, highly automated to reduce the risk of errors.

  • Support international and domestic standards for money movement and cash management, including: SEPA, International, BACS, CHAPS, Faster Payments, ACH and Wire Transfer.
  • Monitor incoming and outgoing transaction activity.
  • Upload batches of payments to multiple counterparties in a few clicks in your digital banking interface.
  • Tailor our well designed payments widget to your needs, easily adding just the functionality you need.
  • Payment Release functionality enables the CFO to process payments at exactly the right moment.
  • Batch payments widget offers a powerful upload capability that can handle batches and quickly upload the orders into your systems for processing.

> Like to know more? Request a demo.

FX Trading

Your customers now have a reduced risk of exchange rate volatility and can receive real-time tradable exchange rate information, giving them flexibility to transact FX, mitigate risk and capture margin opportunities.

  • Enable your customer to take full advantage of the foreign exchange market.
  • Support and execute real-time spot, forwards and futures contracts.

Integration with your Accounting System

  • Import account payable and accounts receivables (invoices) to gain direct insight in your current and future cash position.
  • Importing payment batches and export account statements and transactions.
  • Use payment behavior information to predict future cash flows and receive alerts when there is an unpredicted account or currency shortfall.
  • Use invoice information to schedule and approve payments and have all invoice and vendor information in one screen.

Easy Customer Onboarding

  • Onboard new customers with easy to use enrollment process.
  • Connect to Know-Your-Customer services (e.g. credit check, identity check)
  • Track-&-Trace capabilities to inform the customer about status and next steps
  • Clear overview of of ‘to-do’s’, required documents, and conversations related to a new applications.

Document Center

  • Provides online access based on authorization rules to agreements, e-statements, letters of credit and other relevant business documents.
  • Enable your customers to sign contracts, agreements and other documents in your digital banking platform.
  • Use mobile device to scan and upload key documents.
  • Add the latest news and market research tailored towards industries and geographies.

Treasury Management

  • Manage your liquidity and mitigate all operational, financial and reputational risks.
  • Cash Pooling, aggregate your balances and optimise the paying and receiving of interest.
  • Forecast the cash flow to plan future cash requirements and manage liquidity.

Secure Access

  • Offer one-time passwords, ask for user-password combinations or require a token for specific parts of your website.
  • Integrated Multi-Factor-Authentication (MFA) via token, mobile app or SMS.
  • Ability to require step-up authentication for high risk transactions.
  • Use role based permissions for CFO’s, treasurers, payment officers and payment clerks.
  • Combine your existing IAM solution with Backbase.
  • 4 eyes (or more) principle for entitlements and payment authorization.

Messaging & Notification

  • Communicate secure, directly and real-time with your customers via the integrated message center.
  • Push important notifications and alerts to customers’ mobile devices.
  • Option to receive eBills from selected vendors.
  • Integrated Click-2-Chat and Click-2-Call functions for easy access to your call center.

2. Empower your Business Teams

The inherent value of the Backbase platform is that it brings IT and the business together, enabling a more rapid and agile collaboration model. Content updates and targeted sales campaigns can be created in hours and can go-live immediately. Onboarding and self-service apps can be rapidly built, seamlessly deployed and easily changed, all without the need for deep coding. Backbase empowers agile teams to innovate at the speed of digital.

Experience manager

Backbase comes complete with fully integrated content management and targeted campaign management capabilities, enabling digital marketers to easily edit website pages or mobile apps and run targeted sales campaigns to increase your online conversion and sales results.

Visual page editor

  • Easy-to-use in-context editing capabilities to update content and apps across marketing sites, secure internet banking and mobile apps.
  • Customizable workflows for verification and publication rules.
  • Reuse content and content assets across all digital touchpoints.
  • Easy reuse of content from your existing CMS.

Targeted campaigns

  • Track customer behavior and preferences, and create targeted cross-sell and upsell campaigns to increase your share of wallet.
  • Distribute campaigns across all your digital touchpoints, including internet and mobile banking apps and third party websites.
  • Integrated analytics spanning all channels, including regular web, mobile apps, and tracking of every action, from page views to events.

Reusable widget catalog

  • Backbase comes with enterprise Widget Catalog that’s populated with reusable widgets, templates, connectors, plugins and complete end-to-end banking apps.
  • Create your own assets, add them to the catalog, all tailored to your needs, and reuse them across multiple apps and projects.
  • Creating a new app becomes more like visually “assembling” and “orchestrating” the necessary building blocks, versus reinventing the wheel for each project.

Onboarding & origination

Improving digital customer onboarding and origination is one of the most effective sales strategies for banks and financial institutions wanting to improve engagement, share of wallet, retention and ultimately the lifetime value of a customer relationship. Backbase offers powerful software that helps you to fully digitize your customer onboarding and product origination operations, and achieve up to 80% cost and time savings by automating the onboarding process while minimizing manual paper handling and distribution.

Omni-channel forms

  • Design, manage and streamline all your customer dialogs across multiple channels (web, mobile, call center and front-office).
  • Streamline your onboarding and self-service dialogs, all integrated with your internal systems to enable straight-through processing.
  • Combine visual modeling with your own custom code to deliver high-quality applications at the speed your business demands.
  • Create beautiful and advanced UIs that perform well on all digital touchpoints, mobile devices and the web.

Dynamic Case Management

  • Backbase Dynamic Case Management helps you simplify and automate work. It brings together the people and information needed to get work done completely and correctly throughout the entire life cycle of a case.
  • Use visual tools to quickly build an executable model of your new application, then elaborate on the details in a unified, model-driven development platform.
  • Built-in mobile and social capabilities simplify collaboration through any device and any channel.
  • Communicate with legacy systems using configurable connectors (e.g., Core Systems, CRM), open, standards-based protocols (such as SOAP, REST), and the open Backbase API gateway.

3. Accelerate your IT Development

Many banks seek the flexibility to customize their apps to their unique needs. Backbase offers a state-of-the-art open and modular architecture that offers the fastest way to customize and extend your banking apps. By streamlining the app-building process — including giving you the basic building blocks so you never have to start from scratch — Backbase provides you with the agility to create tailor-made experiences and take the lead in the digital banking revolution.

At the same time, Backbase offers robust enterprise security and application integration technology that helps you integrate your existing systems and applications with ease, enabling you to leverage your existing core systems.

Custom widget development

  • Open-standards-based widget development (HTML, CSS, JavaScript).
  • Easy to assemble industrialized UI building blocks.
  • Predefined and extensible domain models.
  • Industrializes integration and security patterns to communicate with any back-end.
  • Responsive and adaptive UI patterns.

Mobile SDK

  • Create hybrid or fully native mobile apps for Android and iOS.
  • Mix and match HTML and native UI elements in high-performance runtime.
  • Easy integration with any third party mobile SDKs.
  • Bank-grade security and high-performance runtime.
  • Clearly defined extension points with clean APIs.

Customer experience services

  • Robust enterprise security and application integration platform.
  • Modern micro-services-based customer experience orchestration architecture.
  • Integrated content management and personalization/targeting services.
  • Communication through simple, universally accessible APIs.
  • Classic deployment (servlet container) and native cloud deployment.

Digital banking services

  • Banking-as-a-Platform build on state-of-the-art micro-services architecture.
  • Highly scalable services for well defined and discrete tasks.
  • API-based banking capabilities that work seamlessly with existing core banking systems.
  • Modular and extensible architecture that enables easy customization to national and international requirements and regulation.
  • Classic deployment (servlet container) and native cloud deployment.

Onboarding and origination

  • Design and deploy smooth, cross-channel onboarding processes on any device.
  • Low code development platform to define enrollment and origination processes.
  • Straight-through processing and integrated Dynamic Case Management capabilities.
  • Create and manage your forms and the business logic behind them, without coding.

Open banking marketplace

  • More than 50 best-of-breed fintech plugins for security, communications, PFM, artificial intelligence, digital marketing, KYC and more.
  • Easily mix and match services from third party fintech providers without worrying about vendor lock-in or being stuck with your core banking system.
  • Eliminate risk and save time by finding the best tools that integrate with Backbase, and increase your team’s productivity and accelerate your digital transformation.

We are proud to be named Leader in the Forrester Wave for Digital Banking Engagement Platforms Q3 2017

Learn why Backbase has been recognised as a Leader for Digital Banking Engagement Platforms.

Forrester evaluated Backbase among 11 of the most significant offerings across 35 separate criteria. In the report, Backbase was named as a leader for Digital Banking Engagement Platforms and received the highest score in the current offering category.

Download the full report

Trusted by Leading Banks around the world

Backbase software is used by enterprises of all sizes to create customer-centric digital experiences that drive self-service and engagement, fuel online revenues, and maximize their customers’ online experience. Global financial institutions across the world and many others are standardizing on the Backbase Customer Experience Platform. See what they have to say about how Backbase has improved their digital customer experience and impacted their business.

Backbase Business
Banking
Brochure

Backbase helps commercial banks transform their outdated web applications into modern digital experiences that boost engagement and ensure lasting relationships with their corporate clients. The Backbase Digital Banking Platform takes your digital channels to the next level and helps you deliver a complete customer experience that will put you ahead of the competition.

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