When banks ask "Can the AI-native Banking OS work for an institution like mine?" - the answer is in the results. From Vietnam's digital-first challengers to America's largest branchless credit union, from wealth managers in London to commercial banks in the Middle East, 120+ banks and credit unions worldwide run on Backbase.
The Banking OS built for every type of bank
Backbase serves an extraordinarily diverse range of banks and credit unions - and that's by design. The AI-native Banking OS works across Retail, SMB & Commercial, Private Banking, and Wealth Management. The common thread? Every bank needs to modernize their frontline without disrupting core systems.
Progressive modernization - without disrupting the core
Here is what makes these transformations possible. The AI-native Banking OS sits above your existing systems of record - whether that is a decades-old mainframe, a modern core, or something in between. Banks modernize their frontline, coordinate execution across customers, employees, and AI agents, and build toward a Unified Frontline. Core systems keep doing what they do best: managing accounts, processing transactions, and maintaining compliance.
Here are 10 customer stories that demonstrate the breadth and depth of what is possible.
1. Evelyn Partners (UK) - Wealth management done right
20 legacy onboarding modules deprecated. AI-native Banking OS live.
When a legacy client portal provider announced shutdown with an 18-month deadline, Evelyn Partners faced a critical decision. They chose Backbase - and turned a compliance crisis into a competitive advantage.
Key results:
Evelyn Partners now runs a Composable Banking App giving clients full portfolio visibility, direct messaging to relationship managers, and self-service updates. For relationship managers, less paperwork means more time for what matters - client relationships.
"Backbase gave us the confidence to move at speed when we needed it most. The platform is robust out of the box, and flexible enough for us to tailor it to our business." — Jonathon White, Head of Digital Delivery at Evelyn Partners
Read the full Evelyn Partners case study →
2. Judo Bank (Australia) - High-tech, high-touch SME banking
Australia's first SME challenger bank goes live with Backbase.
Judo Bank didn't just need modern banking capabilities - they needed the AI-native Banking OS to support their unique high-tech, high-touch model for SMEs. They built it in just over a year.
Key results:
Composable Banking Apps and the modularity of the Banking OS freed Judo from building everything themselves. Their teams focus on what makes them special: relationship banking where customers and employees work as one - powered by the AI-native Banking OS.
"Through our partnership with Backbase, we have enhanced our high-tech, high-touch model, further empowering SME business owners with digital experiences related to their Judo portfolio." — Lisa Frazier, Chief Operating Officer of Judo Bank
Read the full Judo Bank case study →
3. National Bank of Canada - Commercial banking reimagined
Canada's sixth-largest bank modernizes business banking with the AI-native Banking OS.
National Bank of Canada faced a decades-old legacy system at a clear inflection point: modernize or fall behind. They chose to rebuild their commercial banking operations on the AI-native Banking OS.
Key results:
The bank deployed Starter Packs from the Banking OS Factory - accelerating delivery while maintaining flexibility for Canadian-specific requirements. Efficiency and configurability in one deployment.
Samrida Chong, Senior Director of Strategy & Delivery - Digital Cash Management, leads the transformation.
4. BECU (USA) - Pioneering credit union innovation
1.5 million members. $30+ billion in assets. Member-first values since 1935.
BECU is one of America's largest credit unions. Their "people helping people" philosophy hasn't changed since 1935. Their technology has.
Key results:
BECU runs the AI-native Banking OS to modernize their frontline - delivering Composable Banking Apps and Composable Workspaces that keep employees and members working as one. Technology serves the relationship. The member-first cooperative model stays intact.
5. Techcombank (Vietnam) - Digital excellence at scale
246% growth in active digital business banking users.
Vietnam Technological and Commercial Joint Stock Bank (Techcombank) serves 13.4 million customers with a clear vision: "Change Banking, Change Lives." Backbase helps them deliver on that promise.
Key results:
The bank built their business banking app in just 6 months by reusing proven retail journeys from the platform - demonstrating the power of a unified, extensible architecture.
According to the Fintech & Digital Banking 2025 Asia Pacific report by Backbase and IDC, mobile transactions in Vietnam were expected to increase by 300% between 2021 and 2025.
6. TPBank (Vietnam) - Speed as a competitive advantage
Vietnam's digital-first challenger delivers on "Change Banking, Change Lives."
Vietnam Technological and Commercial Joint Stock Bank (Techcombank) serves 13.4 million customers with a clear vision: "Change Banking, Change Lives." Backbase helps them deliver on that promise.
Key results:
Techcombank built their business banking Composable Banking App in just 6 months - reusing Starter Packs from the Banking OS Factory across proven retail domains. One Banking OS. Faster delivery. Every capability compounds.
According to the Fintech & Digital Banking 2025 Asia Pacific report by Backbase and IDC, mobile transactions in Vietnam were expected to increase by 300% between 2021 and 2025.
7. Banque Saudi Fransi (Saudi Arabia) - Vision 2030 alignment
Leading Saudi bank builds the Unified Frontline with the AI-native Banking OS.
Banque Saudi Fransi (BSF) aligned its operations with Saudi Vision 2030 - and chose the AI-native Banking OS to get there.
Key results:
BSF integrated third-party fintech providers and enabled open banking through the Connectivity Layer. Onboarding & Origination journeys now run instantly via Composable Banking Apps - across web and mobile. BSF's human relationship focus stays intact.
"FinTech is accelerating an evolution of the banking industry, and our continual investment in technology shows our customers that ambition and a commitment to excellence is part of BSF's DNA." — Haitham Aljarbooa, Head of Consumer Banking Services at BSF
8. Alliant Credit Union (USA) - America's largest branchless credit union runs the AI-native Banking OS
America's largest branchless credit union selects Backbase.
Alliant Credit Union isn't just digital-first - they're digital-only. With 900,000+ members and $20 billion in assets, they're the largest branchless credit union in the United States.
Even digital-only pioneers need the right foundation. Alliant runs the AI-native Banking OS to deliver personalized Composable Banking Apps for every member - while building toward Elastic Operations across their frontline.
"Alliant Credit Union is a pioneer in digital-first banking, and we're thrilled to partner with them to redefine what's possible in member engagement." — Jouk Pleiter, CEO and Founder at Backbase
Read the full Alliant Credit Union case study →
9. Mauritius Commercial Bank - SME banking in record time
MVP in 6 months. 85% active user rate for JuicePro SME Composable Banking App.
Mauritius Commercial Bank (MCB) - the largest commercial bank in Mauritius with $18 billion in assets - needed to address the SME segment that had lagged behind retail and corporate digital operations.
Key results:
The JuicePro Composable Banking App demonstrates MCB's first-mover advantage in the region. With an 85% active user rate and customers signing in an average of 14 times per month, the app has become integral to daily SME banking operations. Serving ~1.1 million customers across Mauritius, Madagascar, Maldives, and Seychelles.
10. BKS Bank (Austria) - 90% reduction in loan processing time
90% reduction in loan processing time. Loan application completed in 5 minutes.
BKS Bank in Austria transformed lending from a manual, cumbersome process into a self-service Onboarding & Origination journey - completed by customers in just 5 minutes.
Key results:
BKS Bank runs Composable Banking Apps across credit cards, personal loans, auto loans, and small business loans - all with real-time credit scoring and digital verification. Front-to-back orchestration through the Banking OS compresses time-to-yes and cuts cost-per-origination.
The common thread: measurable results, without disrupting the core
These 10 banks and credit unions span four continents. They serve markets from 35,000 wealth clients to 13.4 million retail customers. They cover everything from SME banking to digital lending.
But they share something critical. Every one of them runs the AI-native Banking OS - delivering measurable results in months without disrupting core systems.
Digital-first credit unions. Traditional banks modernizing legacy operations. Challenger banks building the Unified Frontline from day one. The Banking OS works for all of them.
Want to see what's possible for your institution?
These are just 10 of the 120+ banks and credit unions worldwide running the AI-native Banking OS. From retail banking to wealth management, from digital lending to SMB banking - the Banking OS coordinates execution across your frontline without disrupting existing systems of record. One operating system. Every segment. Every market.
Ready to explore what's possible?
