Backbase Engage for Retail Banking
Omni-Channel Banking, Ready to Go!

Backbase creates comprehensive omni-channel customer experience solutions that help retail banks and credit unions revive their digital customer interactions, drastically increasing the stickiness of their relationships with their individual customers. We help you get your bank online faster by delivering a complete, customer-centric digital experience solution that will drastically differentiate you from your competition.

Digital Banking Capabilities for Customers: Out Of The Box Apps

Backbase Engage comes with all the apps that a full-service direct bank requires and that customers expect to have: login, two-factor-authentication, account overview, transaction details, PFM, bill-pay, transfers, P2P payments, message center, address book, and social integration. All Backbase Engage apps are optimized for regular browsers and are pre-included in the mobile app, which is optimized for Android, iOS and Windows. Also included in Backbase Engage is the complete cross-device UX design, with responsive techniques and easy templating built-in for further customization.

My Banking Dashboard

  • Create beautiful ‘My Banking Dashboards’, targeted at different customer segments.
  • Total end-customer control: the power to add new widgets, remove unwanted widgets, plus create customized dashboards with drag & drop functionality.
  • Widget catalog for storing and managing existing and new apps.
  • Personal preferences remembered for every device so customers can easily navigate to their personal dashboard, optimized for the relevant device.

Accounts & Transactions

  • Easily monitor balances of all accounts: checking, savings, debit and credit cards, personal and mortgage loans, etc.
  • Dive into transaction details with strong filtering options, integrated maps, plus tagging and categorization tools.
  • 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.

Money Transfers & P2P Payments

  • Intuitive money transfer tools that support multiple types of transfers, from Person to Person and Account to Account payments.
  • Both domestic payments, and international payments are supported.
  • Support for scheduled and recurring payments.
  • Integrates with social address books so customers can transfer money securely to friends using email addresses or mobile phone numbers.
  • Review tool to monitor pending and scheduled payments.

Bill Pay

  • Check and validate bills emailed directly to the secure message center for fast, secure payments.
  • Optical character recognition (OCR) & mobile scanning capabilities for paper invoices from pre-selected vendors for speedy payments.

Split ‘n’ Share

  • Integrated app to split ‘n share bills and payments among friends.
  • Seamlessly integrates with social address books.


Deposits & Loans

  • View details of deposits and loan agreements.
  • Check savings, credit card limit, loans and/or overdraft status, and interest rates, and prioritise repayments with the ‘smart repayment’ feature.
  • Simplify the application process for new loans.

Personal Finance Management (PFM)

  • Tightly integrated PFM functionality at the heart of the banking experience.
  • Multi-bank and credit card account aggregation.
  • Easy-to-use budgeting and spending tools for financial insight.
  • Expense tracking
  • Show trends and spending patterns over time.
  • Insight into total net worth, across multiple banks in real-time.

Places

  • Display nearest ATMs and branch offices.
  • Clear map that is easy to navigate with and integrated with Google Maps.
  • Receive relevant messages and offers based on location.
  • Ability to overlay all transactions on the map.

e-Commerce

  • Integrated ‘Pay-By-Link’ feature to facilitate easy payments via email / web forms.
  • Seamless mobile integration to facilitate easy payment via mobile websites, mobile apps or NFC, iBeacon, or QR payment options.

Personal Profile

  • Engage customers by allowing them manage to their own personal profile.
  • Easy-to-update contact information and communication preferences
  • Clear overview of purchased products services, including historical records.
  • Card Management

My Applications

  • ‘Track-and-trace’ feature for all product applications and service requests.
  • Direct, real time communication with the bank during the origination process.
  • Clear overview of of ‘to-do’s’, required documents, and conversations related to a new applications.
  • Total transparency regarding the status, process, and reasons for final decisions.

Address Book

  • Integrated address book for fast, easy payments
  • Social integration to import Facebook friends or Gmail contacts.
  • Contacts and transfer services linked to facilitate P2P payments via email address, mobile phone number, or Facebook profile details.

Messaging

  • Secure messaging inbox.
  • Secure, real-time communication between bank and customer.
  • Mobile notifications, push messages, email alerts, and more.
  • Option to receive eBills from selected vendors.

Secure Access

  • Three layered security model: anonymous login, soft-login, hard login.
  • Integrated Multi-Factor-Authentication (MFA) via token device, mobile app, or SMS.
  • Ability to require step-up authentication for high risk transactions.
  • Option for soft-login via social login (Facebook and Twitter).

Document & Research Center

  • Integrated ‘Latest News’ feature.
  • Document library to store all documents, application administration, scanned receipts, and bills.
  • Access to research documents and interesting articles.

Digital Marketing Capabilities: Empower Business & Marketing Teams

Based on the Backbase Customer Experience Platform (CXP), Backbase Engage can be easily managed and optimized by the business teams at your bank. With full web content management (WCM), digital marketing, and mobile application development support, content editors and digital marketers can optimize content, run digital marketing campaigns, and edit the entire website, secure internet banking platform, and mobile apps in an easy-to-use management environment.

Visual 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.

Targeting & Analytics

  • Target content, widgets, and apps based on existing customer segments and customized targeting rules that use behavioral, contextual, social, and CRM derived data.
  • Use information gathered via the PFM module (including 3rd party accounts and products) for cross- and up-sell and gain extra insight in the total size of wallet.
  • Integrated analytics spanning all channels, including regular web, mobile apps, and tracking every action, from page views to events.
  • A/B and Multivariate testing.

Omni-Channel Campaigns

  • Create and manage omni-channel marketing campaigns from a centralized dashboard.
  • Distribute campaigns to your marketing site, internet banking platform, native mobile apps, social channels, and 3rd party websites.
  • Facilitate omni-channel onboarding and track visitors across channels to ensure consistent messaging and a singular process.

Mobile Management

  • Gain full control over the customer journey on mobile from updating responsive websites, to pushing new content and campaigns to native apps.
  • Instant preview of mobile customer experiences before publishing.
  • Advanced mobile and cross-device analytics. Track a single user as they navigate between devices and channels.

Direct Customer Communication

  • Communicate directly with your customers via the integrated message center.
  • Push important notifications and alerts to customers’ mobile devices.
  • Offer real-time customer/advisor communication services.
  • Integrated Click-2-Chat and Click-2-Call functions for easy access to your call center.

Origination & Self Service

  • Facilitate smooth, cross-channel, onboarding on any device.
  • Enable customer self-service and self-management.
  • Empower business teams to create, edit, manage, and optimize forms and the business logic behind them.

Mobile First

Backbase Engage is ready to run on any mobile operating system out-of-the-box. It is pre-optimized for cross-channel customer journeys where a transaction begins on one device but ends on another. Typically, a customer may begin researching loan interest rates on their mobile but move on to another device, such as a tablet or PC, to fill in the form. They may also contact the call center for assistance in completing the form, in which case the service representative can look over the customer’s shoulder ‘virtually speaking’, and guide them through the application.

Backbase Engage comes with a responsively designed marketing website and internet banking environment that automatically scales to the screen it’s being viewed on, whether that’s a 24” monitor or a small smartphone. It also includes a hybrid app, wrapped in native app containers, and completely native iOS and Android apps that use back-end API’s to consume the required data. You can choose one approach or mix and match until you find the mobile strategy that best suits you and your customers. Backbase Engage supports all the most commonly used platforms, including iOS, Android, and Windows.

Best of Breed Partners & No Vendor Lock-In

To create Backbase Engage, Backbase partnered with the best of breed fintech providers for Bill Pay, P2P, PFM and authentication. But if you already have your own systems in place, you can of course reuse your existing back-end services. Since Backbase Engage is based on the modular architecture of Backbase CXP, you can easily customize it by mixing and matching services from other fintech providers without worrying about vendor lock-in or being stuck in a core banking system. Backbase Engage is the ultimate in control and flexibility for banks.

Trusted by Many

Backbase is trusted by the largest financials across the globe: ABN AMRO, Barclays, Deutsche Bank, Hiscox, Nationwide, VISA, and UBS, are all improving their digital channels and customer experience with Backbase technology. Industry analyst Gartner has named Backbase the most visionary vendor for online portals three years running, and Ovum named Backbase a Market Leader in next-generation online banking experiences. Recently, Forrester gave Backbase full marks for cross-channel banking experiences.

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Demo: See it in Action

With easy to use content editing, forms modeling, workflow and publishing functions, pre-built widgets, configurable master pages, and digital marketing tools, the complete customer experience can be optimized and fine-tuned without IT support.

Backbase CXP comes with a powerful targeting engine that will help you create personalized sales campaigns and increase your online sales. The integrated web analytics features give your digital marketing team full insight in your customers' online experience. Watch more videos

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