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.

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

Capabilities

• Onboarding
• Loan Origination
• Servicing
• Investing