Online & Mobile Banking
Make everyday banking effortless.
Give customers one intuitive platform to manage money, move funds, control cards, discover products and get help—across mobile and web. Built on an evergreen foundation your bank can continuously improve.
Give customers more reasons to bank with you every day.
Give customers more reasons to bank with you every day.
Deliver one consistent experience, built around your customers’ needs, not how your bank is organized. From everyday banking and family finances to investing and financial planning, and beyond.
01 / 08
Make daily money easier to understand.
Bring balances, recent activity and recurring payments into one clear view, so customers can see what has happened and what comes next.
- Account and balance overview
- Latest, upcoming and subscription activity
- Clear recurring-payment context
02 / 08
Make the next payment straightforward.
Help customers choose a recipient, review the amount and confirm a payment with a clear view of what they are authorizing.
- Recipient selection
- Review before confirmation
- Payment result and updated balance
03 / 08
Put everyday card controls within reach.
Let customers check their card spending, freeze a misplaced card and adjust everyday controls from the same place.
- Available balance and card spending
- Freeze and unfreeze
- Spending limits and payment controls
04 / 08
Help customers find their next step with your bank.
Bring products and banking plans into the daily experience, with clear benefits and a review of the costs before customers choose.
- Product and plan discovery
- Benefits and plan comparison
- Price and billing review
05 / 08
Make shared finances easier to manage.
Give households a clear view of their accounts and members, with individual roles and children’s balances alongside everyday family money needs.
- Household and member overview
- Owner, co-owner and invitation states
- Children’s balances and allowances
06 / 08
Connect daily banking to longer-term goals.
Bring cash and investment planning into the banking experience, helping customers explore how different allocations could support their goals.
- Cash and investment context
- Illustrative allocation and projections
- A route to adviser support
07 / 08
Turn spending awareness into a savings habit.
Help customers understand their regular commitments, see what is available to spend and set money aside for the things that matter to them.
- Spending and upcoming commitments
- Safe-to-spend context
- Savings pockets, goals and round-ups
08 / 08
Keep help close to the task at hand.
Give customers a clear way to ask about an account or payment and reach a person when they need more help.
- In-app support entry
- Account and payment questions
- A clear route to human help
Adapted by segment, consistent at the core.
Adapted by segment, consistent at the core.
Deliver targeted experiences based on the customer without multiplying platforms, operations or upgrade paths.
Make daily money management effortless.
Accounts, payments, cards, savings and service in one familiar experience.
Put the business in control of cash flow.
Business accounts, payments, cards, invoices and simple approvals in one place.
Simplify complexity without losing control.
Multi-entity visibility, permissions and sophisticated payment workflows for larger organisations.
Connect digital convenience with human advice.
Portfolios, cash, secure documents and adviser interactions in one relationship experience.
Keep complex wealth relationships personal.
Family wealth, complex ownership and direct access to a relationship manager in one connected experience.
Your banking app, tailored for every customer segment.
Your banking app, tailored for every customer segment.
One adaptive platform delivers a unique journey, product, services and benefits for your bank’s target audiences.
Built around your customers
Explore a proposition for every life stage.
Banking that helps independence start well.
Bring a spending account, easy payments, debit card controls and savings pockets together for student life.
- Spending account and debit card
- Payments and card controls
- Savings pockets and regular saving
One place to organise family finances.
Combine joint spending, children’s balances, regular allowances and shared savings in one family view.
- Joint account and family overview
- Regular and one-off allowances
- Shared pockets and card controls
Turn everyday liquidity into long-term value.
Combine investment accounts, available cash, recurring contributions and an allocation suited to your goals.
- Investment accounts and available cash
- Initial and monthly contributions
- Visual allocation and plan review
Simple, complete banking for daily life.
Put balances, payments, cards, savings and support where customers expect to find them.
- Clear money overview
- Fast payments and card controls
- Products and support in context
Stay on top of cash flow. Keep the business moving.
Bring business balances, supplier payments, card controls and a tax pocket into one everyday banking view.
- Business account and activity
- Supplier payments with review
- Card controls and a tax pocket
Ready to launch. Designed for customization. Built for the future of banking.
01
Complete user lifecycle
Build on proven banking experiences, instead of starting every interaction from a blank page.
02
Connected system-wide
Coordinate journeys across core, payments, cards, CRM and specialist services.
03
Your bank, your brand
Tailor the experience to your brand, markets and customer segmentation without duplicating effort or tech.
04
Evergreen delivery
Ship new capabilities continuously instead of waiting for another expensive system rebuild.
All powered by the same Banking OS.
One shared foundation for every journey. Connect customers, employees and AI agents in a Unified Frontline, with shared context and bank-defined authority.
Customer results
More active customers. Deeper relationships.Faster delivery.
“Backbase gave us exactly what we needed: control, flexibility, and a foundation we can trust to scale.”
Shameer Patel · Director of Retail & Business Banking · I&M Bank
Read customer story →
“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 · Evelyn Partners
Read customer story →
“With Backbase, we’re modernizing our platform while staying true to our clients’ evolving needs and the unique Canadian market.”
Samrida Chong · Senior Director Strategy & Delivery – Digital Cash Management · National Bank of Canada
Read customer story →
“Partnering with Backbase enables us to deliver a superior digital experience to our customer base cost effectively”
Lisa Frazier · Chief Operating Officer · Judo Bank
Read story →Modernize without putting your operation at risk with the Migration Factory.
Move from your current online and mobile banking estate journey by journey—with controlled migration, reusable assets and measurable progress toward an evergreen destination.
What banking leaders ask before they modernize.
No. You can keep your core banking systems and connect Online & Mobile Banking to the payments, cards and customer systems you already use. The integration work depends on your current setup.
No. Online and mobile banking share a common foundation. You can reuse journeys and integrations while adapting each experience to how customers use a phone or a browser.
Yes. You can tailor products, journeys, content and benefits for groups such as students, families and investors. This lets you serve different needs without building and maintaining a separate app for every group.
Yes. You can reuse a common foundation while giving each business the journeys and access permissions its customers need. A business payment approval and a retail transfer can each have the right experience.
Customers can move from self-service to help from an employee. Connecting Online & Mobile Banking with Employee Workspaces lets your teams see relevant customer and journey information, so they can pick up where the customer needs help.
Plan the move in stages. Identify the systems and journeys affected, test each release, and check how it performs before expanding the rollout. Agree the migration plan around your bank’s service and operational needs.
Start with your bank’s requirements for customer access, data protection and service continuity. Review the proposed setup and supporting evidence with your security and risk teams. Confirm which certifications and assurances apply to the services you choose.
What does your bank need to improve next?
Help customers get started, manage their money, and get things done. Explore the capabilities that support your bank’s next priority.
Digital Banking
Turn applications into active relationships.
Help customers complete account opening and product applications, from identity checks to funding.
Give your teams the context to help.
Equip frontline employees to understand the customer’s situation, continue their journey, and resolve requests.
Bring more useful services to your customers.
Extend your offering with partner products and services that fit your customers’ needs and your bank’s integration requirements.
Agentic Banking
Let customers ask—and get things done.
Help customers find answers and complete banking tasks through conversation, within bank-defined permissions and with human support when needed.
Recognize the next opportunity to help.
Connect customer signals to relevant next steps, coordinating follow-up through digital channels and relationship teams.
Carry customer requests through to resolution.
Coordinate the checks, decisions, and fulfilment behind each request across systems and teams, with clear ownership of exceptions.
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
Make everyday bankingyour competitive advantage.
Explore the mobile and web experience, tailored propositions and the migration path for your bank.