Banking that answers - then does the work
Ask a question, move money, fix a problem, plan ahead — in plain language, on any channel. And every answer is checked before it reaches the customer.
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Just AskCustomers do not want to navigate your bank. They want to say what they need—and make progress.
Traditional chatbots optimise deflection. Conversational Banking creates a natural entry point to the relationship. It understands intent, brings in customer and policy context, and connects the conversation to the people and systems required to complete the work.
Type it. Say it.
Continue anywhere.
Let customers type, speak or talk with a voice agent—in the channel they prefer.
Chat
Everyday banking, one conversation away.
Bring natural-language assistance and action into mobile, web and messaging. Customers can ask, transact and resolve without hunting through menus.
Voice & speech
A conversation that sounds and works, naturally.
Serve customers through inbound or outbound speech with fast turn-taking, multilingual experiences and the same bank-controlled actions as chat.
More than answers
From questionto done.
Understand your money. Take action. Resolve a problem. Find the next useful step—all in the same conversation.
Scale everyday service.
Answer questions using live banking context, helping customers help themselves and freeing employees for more complex needs.
Turn requests into completed actions.
Let customers make payments and manage cards in conversation, with confirmation and bank-defined controls built into each action.
Reduce the effort of putting things right.
Carry issues through investigation, approvals and updates—reducing repeat contacts while keeping customers informed.
Turn customer needs into deeper relationships.
Bring relevant savings and product opportunities into the conversation, making it easier for customers to take the next step.
More questions handled.More room for human help.
decrease in live-chat volumes
Enbi helps customers on the Money app and Online Banking, freeing human capacity for more complex needs.
of online chats handled by the assistant
Up from 75% a year earlier, giving human agents more room to focus on complex requests.
containment within the first weeks
Early production results show customers’ enquiries being handled within the assistant experience.
“Our customers are used to a level of service and support that generic chatbots just cannot achieve.” — Stuart Beaumont, Standard Chartered
“This feedback enables us to refine the digital assistant’s capabilities, leading to an improved ability to handle a broader range of customer requests effectively.” — Jeremy Cartwright, VeraBank
“Enbi has proven to be a reliable touchpoint for clients who are looking for anytime, anywhere help, seamlessly blending the convenience of an interface with the assurance of human support when they need it.” — Nedbank
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.
Banking OS at work
Natural to ask.Accountable to act.
Banking OS connects the conversation to customer context, banking intelligence and governed execution. See how its layers work together to complete this transfer—and return the confirmed outcome to the customer.
Your customers expect an answer. Your bank is accountable for what happens next.
Bring chat and voice into real banking service—with answers grounded in customer accounts and bank-approved knowledge, actions governed by your policies, and a record of how each request was handled.
Give answers your customers can rely on.
Combine banking-trained intelligence, live account context and your approved product information.
Keep authority with your bank.
Apply access, policy and approval checks before an action executes. Route exceptions to an authorized employee.
Carry the case into human service.
Give employees the context to continue the work without asking the customer to start again.
Make every decision reviewable.
Retain the evidence behind the decision and the confirmed outcome for operational oversight and review.
Choose what your bank needs next
Connect Conversational Banking to your wider priorities.
Agentic Banking
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