Turn customer needs into completed banking work.
Turn customer needs into completed banking work.
Serve customers, grow relationships and resolve requests with AI agents that work across teams and systems—within your bank’s control.
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Just AskUnfinished work costs revenue, time and trust.
Now: a dispute triggers another call. A deposit opportunity passes unnoticed. An application stalls while someone chases documents.
With Backbase OS: AI agents gather context and progress the work. Your teams focus on decisions and relationships.
“I don’t recognize this charge.”
Help customers move from reporting a problem to getting it resolved.
A large balance sits idle
Recognize a customer need and make a relevant offer while it matters.
Onboarding has stalled
Gather missing evidence and give your teams a clear path to completion.
Turn customer needs into action. Reduce the effort behind every outcome.
Start with your business priority
Choose where Agentic Banking starts.
Begin with the outcome your bank needs most. Each solution delivers value independently and shares a foundation you can build on.
Conversational Banking
Make everyday banking easier.
Help customers and employees get things done through chat or voice, with your bank’s policies in control.
Relationship Intelligence
Earn more of your customer’s business.
Turn customer signals into relevant next steps. Help your teams anticipate needs, retain balances and deepen relationships.
Customer Operations
Give your teams capacity to do more.
Let AI agents prepare and progress requests across systems. Keep your people in charge of decisions, approvals and exceptions.
One foundation. Shared customer context, controls and connections across all three solutions.
AI agents with a clear job
Specialist banking agents. One coordinated frontline.
Choose agents for customer service, relationship growth and case resolution. Each works with shared context and bank-defined authority.
Conversational Banking
Help customers get things done
Relationship Intelligence
Recognize needs and grow relationships
Customer Operations
Carry complex requests to completion
Service Agent
Help customers find reliable answers and complete more tasks themselves.
Deposit Growth Agent
Identify relevant deposit opportunities from liquidity and maturity signals, subject to eligibility.
Payment Investigation Agent
Find where a payment stalled and coordinate the work needed to move it forward.
Transaction Agent
Let customers complete permitted banking tasks in conversation, with confirmation before action.
Financial Health Agent
Spot emerging cash-flow pressure and prepare a relevant next step to support the customer.
Dispute Resolution Agent
Bring evidence and eligibility checks together so your team can act on a prepared case.
Handoff Agent
Give employees the customer’s intent and context so they can help without starting over.
Retention Agent
Help your teams respond to declining engagement and moving balances before relationships weaken.
KYC Remediation Agent
Gather missing evidence, validate documents and route exceptions for review.
Why Backbase
Make AI part ofhow your bank delivers.
Connect customer needs to the people, systems and actions required to fulfill them. Put AI to work with banking expertise and clear control.
01
Complete more requests
Connect the conversation to the work behind it, reducing handoffs and repeat contacts.
02
Start with banking expertise
Build on banking context, policies and workflows that your teams can adapt to their needs.
03
Stay in control
Define what agents can do, when approval is needed and where people must intervene.
04
Use your existing systems
Add agentic capabilities to Backbase or another digital banking platform while retaining your core.
Powered by Banking OS
Give AI thecontext, coordination and authority to act.
Intelligence can understand and recommend. Banking OS surrounds it with the orchestration, operational memory, controls and connections required to complete banking work safely.
Interaction
Captures customer intent and enables people to engage with AI across banking channels.
Orchestration
Coordinates AI agents, employees, workflows and systems around one customer outcome.
Authority
Defines permissions, policies and approvals so AI can act safely and within clear limits.
Intelligence
Understands intent, reasons over banking context and determines the next best action.
Memory
Maintains customer context, case state, decisions and outcomes across long-running work.
Connectivity
Connects channels, APIs, events and the systems required to complete the work.
Connectivity
Memory
Intelligence
Authority
Orchestration
Interaction
Measurable banking outcomes
Build the business case around results.
Choose the customer journey you want to improve, set a baseline, and measure what changes across service, transactions, resolution and relationship growth.
Assist
Customer service
- Self-service completion
- First-contact resolution
- Customer satisfaction
Transact
Transaction completion
- Transaction completion rate
- Time to complete
- Exceptions requiring review
Resolve
Operational performance
- Time to resolution
- Repeat contacts
- Cost per resolved case
Grow
Relationship value
- Deposit growth
- Product activation
- Retention and share of wallet
Move the numbersyour board already tracks.
clients have turned to Enbi
Real-time, personalized answers at any hour.
reduction in live chat volumes
More time for the moments that need empathy and judgment.
“More than 2,3 million of our clients have turned to Enbi, and they keep coming back. With Backbase, Enbi gives them real-time, personalised answers at any hour, and it has reduced our live chat volumes by more than 75%. Our client care team now spends its time on the moments that need empathy and judgement.”
“The Backbase team partnered with us to bring all our sources of truth together and give our employees a single, searchable home for information. No more exact file names or endless folder browsing required, they simply ask a question and get the answers they need to support and serve our customers.”
“Backbase’s conversational banking brought valuable, trusted financial expertise and knowledge right from the start. What I value most about our partnership is the control their platform puts in the hands of our team. We can update our agent’s knowledge and adjust how it responds in a matter of moments. For a community credit union that values meeting our members where they are, the flexibility of the platform combined with its accuracy has proved invaluable”
“Backbase’s conversational AI has delivered real business value for Meriwest. We’ve seen tangible savings through increased automation and call containment while giving members a faster and more convenient service experience. The platform has proven to be both effective and scalable. It allows us to operate with the efficiency and accessibility of a much larger institution while maintaining the personal relationships and member focus that define our credit union.”
Backbase named a Leader in the Forrester Wave™: Digital Banking Engagement Platforms, Q2 2026—the only “Customer Favorite” of 11 vendors.
Agentic Banking in action
Give us 90 daysto put one consequential AI use case to work.
Bring us the AI use case your board wants in production. We’ll turn it into a controlled production capability—connected to your systems, operating within bank-defined authority and measured against a business outcome.
Days 1–30
Commit
Days 31–60
Build
Days 61–90
Launch