Build meaningful customer relationships at scale
Offer tailored digital experiences without the cost and complexity of building multiple applications from scratch. Leverage 400+ composable customer journeys, headless banking services, and integrations that you can dynamically assemble to suit your unique customer segments and processes. Turn your digital channels into a growth engine with AI-enabled, pre-built engagement recipes that drive utilization and cross-and-upsell at scale.Â
Tailored experiences
Create digital experiences that fit your customers
- Build adaptive applications that adjust content, functionality, support options, and look & feel based on customer segments.
- Connect to your existing segmentation engines and data sources to personalize digital experiences.
Personalized products and bundles
Increase acceptance rates with personalized products and offers
- Combine banking products with third-party fintech services.
- Provide contextually relevant offers based on life stage and past interactions.
- Offer flexible terms like adjustable interest rates or repayment schedules.
Household banking
Boost loyalty and profitability with household banking
- Enable collaborative banking scenarios with companion apps and delegated access.
- Give primary account holders oversight tools, like spending limits and transaction monitoring.
- Enable delegated authority for actions, like paying bills or withdrawing cash.
AI-enabled recommendations
Maximize customer lifetime value with personalized advice at scale
- Turn every interaction into a growth opportunity to deepen customer relationships.
- Leverage customizable AI-enabled engagement recipes to provide tailored advice and recommendations across channels.
Everything banking
Deliver innovative banking services at speed
- Give customers the breadth of services they expect with 400+ out-of-the-box composable capabilities.
- Launch new services that set you apart from competitors by customizing pre-built journeys and headless banking services to your needs.
What retail banks and credit unions launch with Backbase
Onboarding
- Digital account opening
- In-branch account opening
Lending
- Credit card origination
- Personal loan origination
- Auto loan origination
- BNPL & split payments
- Mortgage origination
- Embedded/point-of-sale origination
- Agent/broker workspace
Servicing
- Mobile banking app
- Companion (junior) mobile app
- OnlineBanking portal
- Customer service workspace
- Branch workspace
- Middle and back office workspace
Investing
- Robo advisory
- Trading
- Savings plan
Modernize without disruption
Take a progressive approach to retail banking modernization
- Integrate new digital journeys for onboarding, lending, servicing, or investing into existing applications.
- Gradually expand across different segments while maintaining a unified experience with reusable components.
- Avoid risky and expensive core replacements by connecting to existing systems.Â
- Gradually decompose and hollow out core capabilities into a unified omnichannel engagement layer.
Learn more about the Backbase platform >
Backbase’s global expertise and extensive range of solutions has allowed TPBank to successfully navigate our digital transformation road map and accelerate the development of our digital banking products services for the next 5 to 10 years
Mr Nguyen Hung, CEO of TPBank
Features
Retail banking capabilities
• Product selection • Terms & conditions • Personal data capture • One-time-password (OTP) • Identity verification (ID&V) • AML screening • Residency declaration • Due diligence • Credential creation • Email delivery • Resume application • Joint accounts • Credit union eligibility
• Loan selector • Loan calculator • One-time password (OTP) • Personal data • Resume application • Address validation • Residency declaration • Pre-qualification questionnaire • Credit score • Pre-qualification decisioning • Anti-money laundering (AML) • Identity verification (ID&V) • Income verification • Credit report • Credit decisioning • Adverse action notice (AAN) • Loan offer • PDF generation • eConsent • Credential creation
• Account sharing • Account statements • Accounts & transactions • Appointments • Authentication • Bill pay • Card management • Contacts • Credit score • Dashboard • Direct deposit switch • External account • Financial insights • Loan servicing • Messages & notifications • Payments • Pockets • Real time communication (RTC) • Remote deposit capture • Stop checks • User self-enrollment
• Portfolio selection • Portfolio overview • Payments • Risk assessment • Robo-advisor • Trading • Proactive proposals • Savings plan • Notifications • Statements
Why Backbase
Buy plus build
Get to market faster than ever with 400+ pre-built capabilities and Model Bank implementations that you can customize without limits.
Superior experiences
Build on our Model Bank foundation to quickly launch superior digital banking experiences, designed with industry best practices that have helped customers consistently rank 4+ in app stores.
Progressive modernization
Reduce risk by starting small and gradually modernizing customer and employee applications. Add new journeys or replace and replatform existing apps without disrupting operations.
One platform, across all channels
Eliminate point solutions and siloed data with a unified platform that powers journey orchestration and personalization across channels, segments, and lines of business.
Secure, compliant, and scalable
Manage identity, entitlements, signatures and device management without compromising on user experience. Leverage a cloud native platform built with security, scalability, and architecture best-practices in mind.
Proven experience
Our technology and professional services power 40+ business banks, credit unions, and community banks around the world.
Successes our customers have achieved
39%
Increase in registered mobile users
19%
Increase in monthly active users
51%
Increase in transactions year-on-year
6
Months to launch an MVP retail banking app
Featured content
The latest insights
Explore our collection of educational resources and deep dives into engagement banking.
In this blog, you’ll learn about the most valuable business applications of AI in banking, according to analysts, including process automation, fraud detection, and more.