Solutions designed especially for Retail 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We empower banks to accelerate their digital transformation and upgrade their outdated portals and banking apps into modern, digital experiences that are easy to use and result in more sales conversions and more satisfied customers.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 Agile Delivery teams

3. Accelerate with the Backbase Digital Banking Platform

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.

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My Money Dashboard

  • Create ‘My Money Dashboards’ targeted to different customer segments.
  • Total end-customer control: add or remove widgets and create customized dashboards with drag and drop functionality.
  • Personal preferences remembered for every device so customers can easily navigate to their personal dashboard, optimized for the relevant device.
  • Display actionable insights and targeted promotions to individual users.
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Products amd

  • Easily monitor balances of all accounts: checking, savings, debit and credit cards, personal and mortgage loans.
  • Dive into transaction details with multi-level categorization, faceted fi ltering and powerful search capabilities.
  • Comment on transactions and #tag them. Split transactions into categories and view merchant location on map.
  • Track completed and pending transactions, including ATM visits, debit card purchases and direct deposits.
  • Custom grouping of accounts and shared accounts between account holders.
  • Ability to add external accounts from other banks.
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Unified Money

  • Intuitive money transfer tools, which support multiple types of transfers, including Person to Person (P2P) or Account to Account (A2A) or Member to Member (M2M) payments.
  • IBoth domestic and international payments are supported.
  • ISupport for scheduled and recurring payments.
  • Integrates with social address books so customers can securely transfer money to friends via an email address or mobile phone number.
  • IReview tool to monitor pending and scheduled payments.
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  • Multi-bank and credit card account aggregation.
  • nsight into total net worth, across multiple banks, real-time, within one superior customer experience.
  • Leverage 3rd party account data to drive smart sales campaigns and increase share of wallet.
  • Integrate strong customer authentication capabilities to authenticate online payments.
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Upcoming Cash Flow

  • Report on cash flow history based on balance and transaction data.
  • Provide short term account balance projection and cash flow forecasting.
  • Highlight upcoming bills, payments and transfers.
  • Projected balance history for individual accounts.
  • Detect patterns and suggest upcoming transactions to be included in cash flow projections.
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Budgets & Goals

  • Tightly integrated PFM functionality at the heart of the banking experience.
  • Easy-to-use budgeting and spending tools for financial insight. Review past spending based on (sub-)categories and time intervals.
  • Automated budget based on spending history. Easy to update and re-calculate.
  • Ability to set a global budget for total spending in all categories.
  • Goal progress automatically tracked using account balance.
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Easy Customer Onboarding

  • Empower customers and employees to browse, select, and configure products intuitively and conveniently.
  • Use mobile devices to easily scan and upload key documents without friction.
  • Connect to KYC / AML services (e.g. credit check, identity check).
  • Channel switcher - preserves interaction context and customer data across channels.
  • Collect and process digital, and electronic signatures.
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Secure Message Center

  • Easy integration with the existing customer contact center or front-office communication platform.
  • Secure mail messages can be used for any type of query, including those related to accounts and transactions, product information, or the explanation of an error message.
  • Secure Message Center is directly integrated with Notifications and Smart Actions, enabling notification of customers on the success or failure of scheduled payments, account balance alerts, when a daily limit increase is requested, and more.
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Actions and Notifications

  • In-app notifications (web and mobile).
  • Outbound notifications like push messages, SMS, email alerts, and more.
  • Notifications of unusual spending and low-balance warnings.
  • Sharing relevant personal finance insights or saving challenges.
  • Weekly, monthly, and annual income/expense reports.
  • Targeted merchant-funded offers based on actual spending behavior.
  • Option to create smart actions to receive alerts or automate payments.
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Smart Banking

  • Net Worth - Based on aggregated view over banking products, provide a net worth overview. Allow users to manually add other assets, such as a holiday home or other assets/debts.
  • Smart Savings - Allow users to round up transactions and contribute automatically to a savings goal. Easy configuration by the end-customer.
  • Subscription Overview - Provide more insights into the recurring transactions (i.e. bills, subscriptions), by identifying spending patterns. Allow customers to take more informed decisions.

2. Empower your Agile Delivery teams

We don’t just help banks to build software, we help them prepare for the next decade. Our world-class team of agile developers, business analysts, and UX designers work alongside you to build and deploy software in an entirely new way. In the process, you are enabled to do so self-suffi ciently in the future. Your team learns cutting-edge technology and best practices the best way possible – by doing it. The knowledge you absorb while working with Backbase is just as valuable as the fi nished project itself.

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UX Designers

  • IProvides guidelines and UI components, supporting designers and developers in staying fully aligned throughout the development cycle.
  • Enable rapid prototyping via an always up-to-date Sketch Template that is fully aligned to the component library used by the engineering team.
  • Sketch Templates contain core visual styles, components, color swatches, iconography, and templates, giving designers an accelerator to define the UI/UX in rapid time.
  • Leverage the Living Styleguide as a centralized place for all the existing UI components used across all widget collections.
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Easy Customer Onboarding

Integrated Content management

  • Full multilingual and localisation support.
  • Pluggable, structured content allows for easy re-use across multiple pages and applications without duplicating or increasing the maintenance effort.
    • Targeted Campains

      • Track customer behavior and preferences and create targeted campaigns to increase your share of wallet.
      • Distribute campaigns across all your digital touch points.
        • Visual Page and Mobile App Editor

          • Easy-to-use in context content editing capabilities to update content and apps.
          • Fully manage any digital touchpoint within the Backbase Platform, including Hybrid or Native Mobile apps.
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Business Engineers

  • Streamline onboarding and self-service dialogs, all integrated with internal systems to enable straight through processing (STP).
  • Model driven development - generates modern form-based user interfaces that perform well on all digital touchpoints, mobile devices and the web.
  • Simplify and automate processes for a smooth lifecycle of a case.
  • Use visual tools to quickly build an executable model of your new application.
  • Easy integration with your existing BPM system.

Customer Support

  • Access control allows the management of user permissions and entitlements.
  • Identity access management to create, view and manage users.
  • Audit capabilities enable employees to view the audit log for a user or company.
  • Payments capabilities allow payments viewing and management on behalf of a user.

Software engineers


  • Open standards based, modern front-end widget development (HTML, JavaScript, CSS).
  • Optimized and open rendering strategies for any web-based channel.
  • Easy to assemble, industrialized UI building blocks (Design System-based).
  • Supports both responsive and adaptive UI patterns.
  • Predefi ned and extensible domain models.
  • Industrializes integration and security patterns to communicate with any back-end.
    • Mobile SDK

      • Create hybrid, mixed (hybrid + native) or fully native mobile apps for Android and iOS
      • Mix and match HTML and native UI elements in a high performance run-time.
      • Easy integration with any 3rd party mobile SDKs.
      • Bank-grade security and highperformance runtime.
      • Clearly defi ned extension points with clean APIs.
        • Server SDK

          • An opinionated set of tools, libraries, and best practices to deliver consistent high-quality back-end services.
          • Client & API code generation tools to speed up development time and align the needs of front-end and back-end services development.
          • Production- and cloud-ready capabilities that are highly extensible and bank-grade secured by nature.

3. Powered by the Backbase Digital Banking Platform

Google owns information, Amazon owns ecommerce, Facebook owns communication – these players dominate in their areas. Now it’s time for banks to own fi nance. They must reinvent themselves and go beyond a digital transformation to achieving a business transformation. Banks that work the digital-fi rst banking platform properly will empower themselves to do things 10 times better. That’s how they will hold onto their customers at a time when the threat of attrition is bigger than ever.

A robust, agile digital-first banking platform will connect and empower all parts of the organization to optimize omni-channel customer journeys. It works alongside legacy systems, connecting, aligning and informing to support staff and customers.

01. User experience management

Behind every great user experience is a smooth integration with back-end services. When customer data can be quickly sourced, frontline staff are empowered with real-time, accurate data, and customers enjoy superior self-service capabilities. Digital marketing professionals should be able to tailor the end-user’s experience, without the need to call on IT for every change. Backbase offers a range of user-friendly tools that empower digital marketers to edit content and navigation, add widgets, update the mobile app, run digital marketing campaigns across multiple channels, and more.

A modular, flexible orchestration layer will connect and streamline existing core banking and backend systems for frictionless, personalized, omnichannel experiences. This empowers banks to deliver optimal, relevant customer journeys, reduce time to market, and ease the burden on the IT department.

02. Digital banking capabilities

To compete in a digital world, banks must offer smart digital products and services that are easily accessible over every device. Banks need a platform that supports their efforts to stay competitive by providing innovative digital excellence.

Backbase is the digital banking platform that empowers banks with superior Banking-as-a-Platform capabilities. Built on a state-of-the-art microservices architecture and with API-based banking capabilities, Backbase complements existing core banking systems. Modular architecture enables easy customization, while
both classic and cloud deployment are facilitated.

03. Identity and access management

Identity and access management is key to ensuring access security in today’s open banking marketplace. A sophisticated entitlements solution makes this easy, by automating and managing the process of granting access rights to trusted users.

Backbase offers a sophisticated entitlements solution that lets a bank integrate the existing entitlements system, or leverage Backbase Entitlements to tailor access levels and permissions to view, create or approve transactions. Various password combinations, tokens, Integrated Multi- Factor-Authentication (MFA) and alerts strengthen and simplify access control.

04. Process digitization capabilities

Smart online forms and logical processes are key to efficient customer journeys. When they don’t work properly, abandonment increases, impacting the success of online initiatives. Smart forms and dynamic process management increase efficiency and remove manual, paper-based tasks – making life
easier for both customers and employees.

Backbase Digital Forms simplify and streamline all customer dialogs across multiple channels, while onboarding or self-service dialogs integrate with internal systems for straight-through processing (STP). Banks can actively streamline their online customer dialogs and manage their self-service and customer enrolment processes.

05. Cloud deployment

Cloud deployment powers constant feature or functionality updates, without any impact on day-to-day business. New code can be deployed thousands of times per month, and fast. Development teams can bring new capabilities to market via a highly automated platform that scales with the business. Security can also be automated, making it easier to keep pace with industry regulations and compliance standards.

The Backbase platform supports both traditional app servers and new native cloud deployment models, enabling banks to safely make the transition from a classic deployment to a native cloud deployment, without re-engineering.

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.

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Backbase for Corporate

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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