One platform to empower small businesses
Backbase
Small businesses hustle. Their banking should, too. But most SME experiences weren’t built for today’s digital-first economy.
Backbase helps banks across New Zealand and Australia break free from legacy limitations—offering seamless onboarding, tailored journeys, and deep fintech integrations that meet the needs of modern entrepreneurs, across every segment and every stage of growth.
Build with security, scale with confidence
Subline
A unified banking platform that evolves with your business—secure, compliant, and designed for long-term success, trusted by 100+ banks worldwide.
Connect with the best fintechs
Seamlessly integrate with top fintech providers, from accounting to payments, unlocking new value for small business clients.
Seamlessly integrate with top fintech providers, from accounting to payments, unlocking new value for small business clients.
Build a banking experience that small businesses can truly rely on
Backbase helps banks overcome SME banking’s toughest challenges with a platform that’s fast, secure, and ready to scale.
Friction-free onboarding
Get SMEs up and running in minutes, not weeks with a frictionless digital onboarding experience. Reduce manual processes, eliminate paperwork, and offer a fast, intuitive sign-up that keeps small business owners focused on growing their companies. With Backbase, banks can streamline KYB, automate approvals, and convert more SMEs into long-term customers from day one.
Smarter banking for business customers
SMEs need more than just a place to store money. They need tools that help them manage cash flow, track invoices, and handle payments—seamlessly integrated into their banking experience.
With Backbase, banks can provide value-added services like invoicing, cash flow forecasting, and treasury management, making their banking platform an essential part of an SME’s daily operations.
This means more engagement, stronger SME relationships, and new revenue opportunities, all while helping businesses thrive.
Modernisation without disruption
Transforming SME banking doesn’t have to mean starting from scratch. Backbase enables banks to modernise at their own pace with a composable platform that integrates with existing systems. No risky rip-and-replace. No unnecessary downtime. Just a progressive transformation approach that lets banks introduce new SME services while keeping their core banking infrastructure intact.
SME banking has traditionally been overlooked, but there is a significant opportunity to change how small businesses do banking by properly addressing their needs. JuicePro, our new app, has listened to the market and taken our SME services mobile to smoothen all journeys. However, this is just the first step to revolutionising our entire offering. We’re very excited about continuing this journey with Backbase, who have managed to take a complex set of business lines and provide a holistic view so we can maintain the very highest quality of user journeys.
Become a one-stop shop for business banking
Small businesses need more than just a bank. They need a partner that helps them manage cash flow, access funding, and streamline daily operations—all while staying focused on what they do best. With Backbase, banks can anticipate SME needs, offer tailored financial solutions, and unlock new revenue streams, all within a seamless, digital-first experience.
Easy account setup
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Turn existing retail clients into SME customers with AI-driven insights and frictionless onboarding—no redundant paperwork, no delays.
Business insights & smart dashboards
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Help SMEs stay on top of cash flow, invoices, and key financials with real-time analytics and tailored business dashboards.
Proactive lending & cash flow support
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Detect potential cash flow issues before they happen and offer instant financing options like Invoice Financing to keep businesses moving.
Embedded invoicing & payments
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Enable SMEs to create, track, and send invoices while seamlessly integrating with their banking experience—making you their one-stop financial hub.
AI-powered personalisation
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Deliver tailored recommendations and proactive nudges to drive engagement, cross-sell opportunities, and long-term loyalty.
Explore more resources
From in-depth guides to customer stories, find everything you need to plan your journey.
Let’s build something great — together.
Let’s build something great — together.
Discover how we can help you drive your bank's ambitions.
Discover how we can help you drive your bank's ambitions.