The AI-native Banking OS that unifies your frontline

The AI-native operating system to coordinate customers, employees, and agents - so every action across digital channels, front office, and operations runs as one.

Trusted by 120+ leading banks

"We're onboarding 10X more customers and processing 6 million transactions a month."

"We are doubling, tripling, sometimes quadrupling our onboarding rates." Abdullah Alwabel (BSF)

"We're onboarding 10X more customers and processing 6 million transactions a month." - Shameer Patel (I&M Bank)

From dozens of fragmented systems and broken operations.

Onboarding crosses twelve systems. Servicing crosses eight. Disputes cross five teams. Every handoff costs time. Every exception costs money. It scales linearly and AI won’t fix it. Without shared context and clear rules, it amplifies it.

To a Unified Frontline that runs the bank as one.

Digital channels, front office, and operations. Customers, employees, and AI agents. Running on one shared truth and one execution engine, with explicit authorization for every action.

To a Unified Frontline that runs the bank as one.

Digital channels, front office, and operations. Customers, employees, and AI agents. Running on one shared truth and one execution engine, with explicit authorization for every action.

From dozens of fragmented systems and broken operations.

Onboarding crosses twelve systems. Servicing crosses eight. Disputes cross five teams. Every handoff costs time. Every exception costs money. It scales linearly and AI won’t fix it. Without shared context and clear rules, it amplifies it.

To a Unified Frontline that runs the bank as one.

Digital channels, front office, and operations. Customers, employees, and AI agents. Running on one shared truth and one execution engine, with explicit authorization for every action.

CUSTOMERS

Mobile • Web • Conversational

EMPLOYEES

CSR • RM • Branch • Operations

AI AGENTS

Servicing • sales • Operations

80%

of the bank work lives here

COPY / PASTE

SWIVEL CHAIR

SPREADSHEETS

E-MAIL

EVIDENCE

FOLLOW UPS

MEETINGS

HANDOFFS
MANUAL COORDINATION
EXCPTIONS

UNITED FRONTLINE

daily banking • assisted servicing • sales execution • operations

CORE BANKING

CRM

CARDS

PAYMENTS

KYC

FRAUD

DOCUMENTS

CASE MANAGEMENT

Banking OS • Control Plane

coordinates & governs the work across your frontline

Understand

Authorize

RUN

Optimize

CORE BANKING

CRM

CARDS

PAYMENTS

KYC

FRAUD

DOCUMENTS

CASE MANAGEMENT

From dozens of fragmented systems and broken operations.

Onboarding crosses twelve systems. Servicing crosses eight. Disputes cross five teams. Every handoff costs time. Every exception costs money. It scales linearly and AI won’t fix it. Without shared context and clear rules, it amplifies it.

To a Unified Frontline that runs the bank as one.

Digital channels, front office, and operations. Customers, employees, and AI agents. Running on one shared truth and one execution engine, with explicit authorization for every action.

CUSTOMERS

Mobile • Web • Conversational

EMPLOYEES

CSR • RM • Branch • Operations

AI AGENTS

Servicing • sales • Operations

80%

of the bank work lives here

COPY / PASTE

SWIVEL CHAIR

SPREADSHEETS

E-MAIL

EVIDENCE

FOLLOW UPS

MEETINGS

HANDOFFS
MANUAL COORDINATION
EXCPTIONS

UNITED FRONTLINE

daily banking • assisted servicing • sales execution • operations

CORE BANKING

CRM

CARDS

PAYMENTS

KYC

FRAUD

DOCUMENTS

CASE MANAGEMENT

Banking OS • Control Plane

coordinates & governs the work across your frontline

Understand

Authorize

RUN

Optimize

CORE BANKING

CRM

CARDS

PAYMENTS

KYC

FRAUD

DOCUMENTS

CASE MANAGEMENT

banking operating system

Coordinate actions, data & decisions across your frontline.

The Banking OS covers the full scope of your frontline - from what the customers experience, to the work behind the scenes that makes it possible.

01

Customer Engagement

Own the Customer Lifecycle

Acquisition, onboarding, origination, servicing, cross-sell, retention - every customer interaction orchestrated end to end.

Digital banking, conversational banking, and front-office workspaces work together in a shared context so customers never repeat themselves, and employees never fly blind.

02

Banking Operations

Automate the work between systems

Customer operations, disputes, payments, lending - the high-volume, exception-heavy operational work is where most cost-to-serve sits.

The Banking OS coordinates cases, decisions, and evidence across systems so AI agents and employees resolve faster, with full auditability.

BANKING OPERATING SYSTEM

The Banking Operating System.

01

02

03

04

Understand the Frontline

Every customer and operation fully known to every system.

One shared semantic model of every customer, operation and state that every system, agent, and workflow operates from.

Run the Frontline

End-to-end orchestration across the entire frontline.

Customer journeys, case routing, and agentic workflows - orchestrated end-to-end across humans, agents, and systems.

Authorize the Frontline

Autonomy and automation with a full audit trail.

No agent, employee, or system acts without a Decision Token that checks policy and records evidence.

Optimize the Frontline

The Operating System gets smarter with every case

Intelligence that observes, decides, and improves continuously. Every resolved case, every completed journey, and every human override feeds back into the AI models.

Customer stories

Proven by the banks that got there first.

I&M Bank · Africa

From 2,000 to 21,000 new customers a month

I&M Bank grew onboarding 10x - and hit six million transactions a month - while keeping their Net Promoter Score above 75.

Techombank · Vietnam

Achieving 50% of savings and investments through digital

Techcombank now generates over half of total savings and investments through digital banking - driving significant business growth.

Before Backbase, we peaked at 2,000 new customers a month. Today, we're onboarding over 21,000 and processing 6,000,000 transactions a month and these figures continue to increase exponentially.

GM, Personal and Business at I&M Bank

Shameer Patel

FACTORY

Your team controls the Banking OS

One place to shape every workflow, agent and policy running in your bank. Engineering, product, analysts and risk - same bank, same environment, same cadence. No tickets. No vendor lock-out. Your roadmap

BANKING OPERATING SYSTEM

Connects to the systems you already run

The Banking OS sits above your systems of record.
It doesn't replace cores, CRMs, or data platforms. It coordinates the work between them.

Plugs into your core systems.  Marketplace included.

Pre-built connectors for core banking, payments, cards, lending, and risk. Marketplace integrations for best-of-breed fintechs.

Bidirectional and
real-time.

Event streaming and data synchronization keep every execution surface operating on current state.

Complements CRM, doesn't compete.

Running on Salesforce or Dynamics? The Banking OS coexists. No CRM? We've got you covered.

Questions

Frequently Asked Questions

The Unified Frontline starts here.

See how the Banking OS coordinates your costumers, employees, and AI agents into one operating model.