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Explore the trends that will impact the banking landscape in 2025 and beyond.Read the report

Retail banking

Break-free from one-size-fits all digital banking

Retail banking header
WSECUTP BankRaiffeisenMCB

What retail banks build with Backbase

  • Digital account opening

  • In-branch account opening

Successes our customers achieved

  • 39%

    increase in registered mobile users

  • 19%

    increase in monthly active users (Sandy Spring)

  • 51%

    increase in transactions year-on-year

  • 6

    months to launch a MVP retail banking app

From transactions to relationships

Turn your digital banking channels into a growth engine. Deliver segment-based applications that give customers personalized, AI-enabled advice, and offer the ability to connect with bank employees for complex decisions.

Create digital experiences that fit your customers

Turn users into loyal customers with adaptive, segment-based applications that offer personalized information and advice. From onboarding and loan origination to daily banking and investing, create tailored experiences without building multiple applications from scratch.

Augment digital channels with the right level of human touch

Deliver the right mix of digital and human interaction for every customer segment. Use advanced channel orchestration and unified employee workspaces for relationship managers, customer service reps and branch employees.

Deliver personalized advice at scale

Equip your customer and employee applications with AI-enabled advice. Leverage data from existing systems and third-party sources to deliver relevant product recommendations, nudges, next best action suggestions and more.

Modernize without disruption

Take a progressive approach to retail banking modernization. Integrate new digital journeys into your existing applications and gradually expand across different applications, segments and lines of business. Avoid risky and expensive core replacements by gradually decomposing and hollowing out core capabilities into a unified omnichannel engagement layer.

Retail banking modernization

Capabilities

Learn more about Backbase’s Retail Banking out-of-the-box capabilities you can augment to suit your unique needs.

Create a fast, secure, and personalized onboarding journey that ensures compliance and customer satisfaction.
Retail banking onboarding
Retail banking Loan origination
Retail banking Servicing
Retail banking Investing

Why Backbase?

Whether you're looking to buy for parity or build for differentiation, our platform empowers you to create unique experiences that truly set you apart from the competition.

Buy and Build

Get to market fast with 400+ pre-built capabilities, fully customizable

Integrations

Add cutting-edge experiences to your apps easily with a library of API-driven, fintech-powered capabilities

Composability

Modular, industrialized platform capabilities allowing you to progressively modernize

One platform

Power journey orchestration across channels, segments and lines of business with a unified platform architecture

Secure and scalable

Scale to millions of users with peace of mind with a secure, cloud-native platform

Proven expertise

More than 100+ financial institutions around the world

The latest insights

Explore our collection of educational resources and deep dives into engagement banking.

  • Podcast Featured Image Episode 27 EN

    Episode 27 of Banking Reinvented explores how WSECU, a US-based credit union, is delivering more personalized member experiences by adopting a digital-plus approach.

    In this episode, host Tim Rutten sits down with Ryan Brooks, Chief Digital Officer at WSECU, to discuss how the credit union balances human and digital services to meet evolving member expectations – with the help of Backbase’s Engagement Banking Platform. They also examine the challenges of managing change, integrating AI, and fostering agile innovation within banks. 

    Tune in to learn how combining digital banking platforms with personalized human support and AI-driven insights can help credit unions create tailored, member-first experiences.

    Want more insights into the future of banking? Check out our content hub for impactful podcasts, blogs, and whitepapers.

    Listen now