Faster and better loan decisions
Backbase Digital Lending helps banks and credit unions deliver the fast and frictionless experiences their customers and members demand – while lowering costs and driving conversions and revenue.
Borrower experiences that convert
Minimize friction and free your customers from tedious manual tasks with a fully digital experience where data is collected, validated, and analyzed in real-time.
Transparency is key to earning your customers' trust. Build relationships with clients by letting them know where they are in the process and offering them an easy and secure way to communicate with their banker.
Trade paper-based and time-consuming processes with automated & digitized workflows that includes digitized financial import, income verification, financial spreading, and more.
Backbase helps you unburden your employees, minimize risk and errors, speed up turnaround time, and lower costs.
Read the customer story to find out how BKS Bank reduced its time to process a lease application by 90%
Bring it all together
One platform, endless potential
Forget point solutions. Backbase Digital Lending supports your digital transformation across any channel and product – from credit cards to personal loans, auto loans, small business loans, and more.
Start small and scale to deliver seamless, consistent experiences across all your lending, credit products, and lines of business.
Open to fintechs
Partner with the world's best solution providers
Our solution comes pre-integrated with best-in-class fintech partners, so you can instantly revolutionize your customer experience.
From real-time credit scoring providers to digital income verification to identity and data verification solutions, you get access to a vibrant ecosystem of top-notch solutions within the safety of the Backbase Engagement Banking Platform.
Create an experience that sets you apart
No vendor lock-in. No one-size-fits all. Our platform gives you all the tools & components to build fully digital lending journeys, so you can innovate & differentiate your way.
Adopt our functionalities, apply the style that suits your brand, and build on top of our platform and apps. You can have it all.
Loan application demo
Explore how Backbase Digital Lending empowers your customers and members to apply for a loan in mere minutes. Say goodbye to tedious paper forms and branch visits with a streamlined, fully automated loan origination experience.
Powerful capabilities in one platform
Backbase brings everything you need to create better lending outcomes for you and your customers.
Eligibility questionnaire and decisioning
Deliver intuitive digital application walkthroughs that customers can complete on their own while gathering data points for real-time decisioning.
Financial import and income verification
Minimize errors & streamline processing by collecting financial data digitally, analyzing it in real time, automatically surfacing issues, and orchestrating next steps.
Financial spreading and ratio calculation
Streamline underwriting, improve data quality, and speed up turnaround time with automated financial data import & extraction and pre-configured financial ratio calculation.
Keep applicants informed with a secure one-stop shop, help them communicate with their CSRs and complete tasks i.e., upload documents, review offers, sign contracts, and more.
Credit scoring and assessment
Benefit from financial validation and integration with external credit scoring providers to accurately assess applicants and automate decisioning.
Digital offer and signature
Deliver offers and ask borrowers to submit documents fully digitally. Save time and effort by eliminating the need for in-person contract signing.
Fully-digital onboarding & account opening.
Self-servicing for hassle-free banking.
Build, automate, and scale digital investment propositions.
Deliver exceptional customer support.
Personalized & relevant interactions at scale.