Commercial banking needs more than another portal
Backbase
US Commercial banks are stuck: legacy systems that don't talk to each other, onboarding that drags for weeks, and clients who expect better. Backbase changes that. One platform to unify onboarding, payments, treasury, lending, and servicing - built on top of your core, not instead of it.
Commercial banking in the US is stuck – and it shows.
Slow onboarding, siloed data, and manual treasury workflows are costing US commercial banks billions and pushing clients toward more agile competitors.
16+
weeks to onboard a commercial client
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$25K
average onboarding
cost per client
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48%
of US execs rate their
digital experience highly
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42,5%
market share lost
to non-banks
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We chose Backbase not only for their client-focused philosophy and approach, but also the platform’s flexibility and functionality, which are vital for realizing our long-term strategic goals.
The AI-powered commercial banking platform built for modernization.
Backbase is the only platform that unifies client-facing portals, employee workspaces, and operational workflows into a single, composable architecture — enabling US banks to modernize progressively without ripping and replacing their core.
AI-Powered RM workspace
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Boost RM productivity with intelligent workspaces that surface insights, automate tasks and spot new opportunities.
Digital onboarding & origination
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Cut onboarding times from weeks to days leveraging end-to-end digital journeys to maximize RAROC.
Payments & treasury modernization
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Increase fee-based liquidity launching modern treasury services, real-time payments, liquidity management, and FX.
Unified commercial portal & mobile
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Deliver one seamless experience across web and mobile for all commercial banking needs.
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How Backbase compares
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Capability
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Legacy treasury tools
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Generic digital portals
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Backbase commercial platform
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Treasury & payments
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Limited
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Digital onboarding
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Locale
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AI-powered RM workspace
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—
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—
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Lending origination
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Limited
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Limited
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Trade finance
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—
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Embedded banking / APIs
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—
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Progressive modernization path
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—
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Limited
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Best-in-class UX
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Dated
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Capability
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Legacy treasury tools
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Generic digital portals
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Backbase commercial platform
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Treasury & payments
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Limited
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Digital onboarding
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Locale
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AI-powered RM workspace
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—
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—
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Lending origination
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Limited
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Limited
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Trade finance
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—
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Embedded banking / APIs
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—
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Progressive modernization path
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—
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Limited
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Best-in-class UX
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Dated
Solutions built for commercial banking
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Capabilities
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Real-time payments (RTP, FedNow)
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ACH, wire, and batch processing
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Multi-bank cash positioning
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FX and liquidity management
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Business impact
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Increase treasury fee revenue
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Reduce payment processing costs
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Improve client cash visibility
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Compete with fintech alternatives
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Capabilities
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Banking-as-a-Service APIs
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White-label embedded banking
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ERP and accounting integrations
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Developer portal and sandbox
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Business impact
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New revenue from embedded finance
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Deeper client integration
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Reduced switching risk
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Faster partner onboarding
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Capabilities
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Letters of credit and guarantees
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Documentary collections
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Supply chain finance
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Trade document management
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Business impact
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Digitize paper-heavy processes
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Reduce trade processing time
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Improve compliance visibility
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Win more international clients
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Capabilities
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360° client view with AI insights
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Task automation and workflows
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Pipeline and opportunity tracking
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Integrated communication tools
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Business impact
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Increase RM productivity 40%+
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Improve cross-sell conversion
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Reduce time spent on admin
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Better client retention
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Capabilities
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Digital KYB and document collection
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Automated identity verification
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Credit decisioning workflows
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E-signature and audit trails
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Business impact
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Cut onboarding from weeks to days
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Reduce cost-to-acquire by 60%
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Improve application completion
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Better compliance outcomes
Achieve the results today's US commercial banks demand
16 weeks → days
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Reduce commercial client onboarding time dramatically
Up to 55%
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Lower cost-to-serve through automation and self-service
246%
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Growth in digital active users after platform launch
1.3 weeks
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Average time to launch new features and journeys
30%+
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Increase in treasury and payments revenue
Ready to unlock growth mode?
Backbase
See how the Backbase AI-powered platform helps US banks reduce costs, accelerate onboarding, and grow treasury revenue — one journey at a time.
Backbase