Banking OS
Your customers, employees and AI agents.Working as one.
Connect customer needs to completed banking work. Banking OS brings shared context, coordinated execution and bank-defined authority across your frontline. Use its UI to configure agents and workflows, manage deployments and oversee change.
Why Banking OS
Turn AI investmentinto banking outcomes.
Bring customer experiences, employee work and AI execution together on a shared banking foundation. Banking OS connects the context, capabilities and authority needed to complete work across your existing systems—so each new service builds on what your bank already knows and can do.
Execute
Connect the experience to the outcome.
Bring banking actions, workflows and customer and employee experiences together—from the first request through to fulfilment.
Understand
One customer context. Across your frontline.
Give employees and AI agents shared customer context and decision history, so each new use case builds on what your bank already knows.
Authorize
Delegate more work. Keep authority explicit.
Define which actions employees and AI agents can take, with the evidence and approvals required before execution.
Expand
Build on every investment.
Reuse connected systems, banking capabilities and controls across services. Configure workflows and agents in the Banking OS UI to deploy the next use case.
Fit with your bank
Banking OS powers your Unified Frontline.
Bring customers, employees and AI agents together to serve, advise and resolve—drawing on the systems your bank already runs. Banking OS connects their context, decisions and actions into one coordinated operation.
+ And more across your bank’s technology estate
Banking OS UI
Shape how your bank works.See how it runs.
Connect your systems, design banking workflows and configure AI agents. Give delivery, operations and control teams a shared place to manage change.
Put AI to work.Keep your bank in control.
Use AI to serve customers and move work forward, with clear limits on what it can access and do. Banking OS connects agent permissions, policy checks and human approvals with the evidence needed to review decisions.
Define its authority.
Set the capabilities, information and actions available to each agent, with limits appropriate to the work.
Keep judgment where it belongs.
Let agents progress permitted work. Route decisions outside their authority to a bank employee with the context needed to act.
See why—and who approved.
Review the request, applicable policy, authority decision and linked approval. Trace changes to their author and reviewer.
Banking that finishes the job.From first interaction to final outcome, on the systems you already run.
Banking OS. Built for the AI era.
Banking OS. Built for the AI era.
Give your teams and AI agents shared capabilities to understand customers, coordinate work and complete banking requests—across digital and agentic banking, on one shared foundation.
The power of Banking OS. In every channel.
Power branch, call center, mobile, web and embedded experiences in existing applications with shared context and banking capabilities. Access is governed by the bank.
- Spending account and debit card
- Payments and card controls
- Savings pockets and regular saving
Many systems. One customer model.
Nexus maps records across the bank into a shared dictionary of customers, products and relationships. Agents read that model instead of piecing together each system. Authorized updates flow back to the connected systems.
- Spending account and debit card
- Payments and card controls
- Savings pockets and regular saving
Turn a customer request into coordinated action.
Bring workflows, AI agents and bank employees together to move work across systems.
- Spending account and debit card
- Payments and card controls
- Savings pockets and regular saving
Give every action a clear boundary.
Every actor follows the same authority checks. Sentinel evaluates identity, entitlements, bank policy and required approvals before issuing a scoped Decision Token. No token, no action.
- Spending account and debit card
- Payments and card controls
- Savings pockets and regular saving
Use what you learn to improve what happens next.
Turn banking signals and data into useful insights and recommended actions. Banking models and a continuous learning loop help refine performance using outcomes from the frontline.
- Spending account and debit card
- Payments and card controls
- Savings pockets and regular saving
Connect the systems that complete the work.
Bring existing systems and fintech services into Banking OS through managed and custom connectors. Unify their capabilities as APIs and MCP tools that workflows and agents can consume.
- Spending account and debit card
- Payments and card controls
- Savings pockets and regular saving
01 / Understand
Shared banking context
02 / Run
Coordinated execution
03 / Authorize
Bank-defined authority
04 / Optimize
Continuous improvement
Launch faster.Reduce the cost of service.
See how banks reuse capabilities, expand self-service and improve operating efficiency with Backbase.
To launch business banking
Techcombank reused retail banking journeys to launch its business banking experience.
Fewer live-chat interactions
Standard Chartered reduced live-chat demand within weeks of rolling out its virtual assistant.
Lower cost-to-serve
I&M Bank reports this reduction following its digital transformation with Backbase.
A seven-year commitment to one platform
Navy Federal Credit Union renewed and expanded its partnership with Backbase to support progressive modernization across member and employee applications.
“simplifying and enhancing member experiences by utilizing a single platform across digital interactions.”
Kathy Ward · SVP Digital · Navy Federal Credit Union
Backbase named a Leader in the Forrester Wave™: Digital Banking Engagement Platforms, Q2 2026 — the only “Customer Favorite” of 11 vendors.
The banks that moved first are compounding their lead.See how they did it.
A Leader.And a Customer Favorite.
A Leader
A Customer Favorite
“Backbase provides a ‘Banking OS’ that unifies a bank’s frontline operations”
ForresterThe Forrester Wave™: Digital Banking Engagement Platforms, Q2 2026
Explore the reportPlan a first use case your bank can evaluate.
The practical questions behind a focused business case.
Banking OS coordinates work above your systems of record. Scope the connections to your core, CRM, payments, risk and data systems around the first use case, including data access and operational ownership.
Use the Banking OS UI to configure connected resources, workflows, agents, access and approvals, and manage deployments. These configurations use the shared technical capabilities of Banking OS, including orchestration and execution controls.
Conversational Banking, Relationship Intelligence and Customer Operations can work with existing digital banking environments. Each needs appropriate integration and configuration. Digital Banking modernization is a separate buying path.
Agree the workflow, evidence requirements, approval ownership and evaluation criteria before release. Define how your teams will assess behavior, manage deployment and monitor outcomes for the specific use case.
Establish a baseline for completion time, repeat contacts, employee effort and rework. Add the conversion, service or relationship measures relevant to the journey. Use the first deployment to decide where to expand.
Agentic Banking in action
Give us 90 days.Put one consequential AI use case to work.
Choose the customer or operational problem your leadership team wants solved. Backbase turns 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
See Banking OS at work in your bank.
See how Banking OS connects customers, employees and AI agents to complete banking work. Explore workflows, agent deployment and execution controls around your bank’s priorities.