The AI-native Banking OS that unifies your frontline

The AI-native operating system to coordinate customers, employees, and agents - so every action across digital channels, front office, and operations runs as one.

Trusted by 120+ leading banks

"Backbase's retail banking focus makes the difference. They understand the discipline, the constraints, the trust requirements. That expertise lets us modernize our retail operations confidently while delivering the faster, more intuitive digital experience customers demand." Delfin Jay M. Sabido, SVP & Chief Innovation and Transformation Officer, Chinabank

"We're onboarding 10X more customers and processing 6 million transactions a month."

"ATLAS is more than a digital bank. It is a bold reimagination of Islamic finance for the modern era, built around the values, lifestyles, and aspirations of our customers. It reflects our commitment to leading the next era of Islamic banking that is digital, inclusive, and purpose-driven. Our collaboration with Backbase has played a key role in enabling us to deliver an experience that is seamless, secure, and rooted in faith." Khairul Kamarudin, President & CEO, Bank Muamalat

"We chose Backbase not only for their client-focused philosophy and approach, but also the platform's flexibility and functionality, which are vital for realizing our long-term strategic goals. The platform's modern architecture will help fuel our digital transformation needs now and into the future." Colby Mangers, SVP & Head of Digital Innovation and Transformation, EverBank

"This partnership with Backbase marks a significant step in our digital transformation strategy. We are constantly committed to providing our clients with innovative banking solutions, offering them a personalized experience tailored to their needs. This new collaboration will allow us to further facilitate access to both modern and inclusive banking services." Driss Bennouna, Deputy Managing Director, CIH BANK

"Backbase gives us something banks rarely get: speed without losing control. The platform evolves with us, the architecture is built for continuous innovation, and they invest heavily in R&D to stay ahead. We're not ripping and replacing every few years. We're building on a foundation that grows with our customers." Abdullah Alwabel, Head of Group Digital Banking & Innovation at BSF

"Backbase gave us exactly what we needed: control, flexibility, and a foundation we can trust to scale. We can build what we want, when we need it, without worrying about outgrowing the platform." Shameer Patel, Director of Retail & Business Banking, I&M Bank

"Backbase gave us the confidence to move at speed when we needed it most. The platform is robust out of the box, and flexible enough for us to tailor it to our business. That combination is critical for delivering on both our deadline and our long-term vision." Jonathon White, Head of Digital Delivery, Evelyn Partners

"In 2026, the name of the game is knowing your customer in a personalized manner. AI will be foundational. Googleand Apple are coming - these tech giants have data at their core. Banks have a lifetime of financial engagement activity to leverage. That's where we can differentiate." Mark Bantigue, Project Initiation Head at BDO Unibank

"Our vision is to become the leading digital bank in Albania, and this transformative partnership with Backbase is the cornerstone of that strategy. We're embarking on an ambitious growth journey to triple our digital customer base, and Backbase's Engagement Banking Platform gives us the technological foundation and flexibility we need to scale rapidly while delivering the innovative, customer-centric banking experiences that will drive our expansion. This represents more than a technology upgrade – it's about fundamentally transforming banking in Albania and setting new standards for the region." Dritan Mustafa, CEO, Tirana Bank

"DSK Bank decided to embark on a digital transformation that emphasizes both 'digital' and 'transformation' to the same extent. We would like to use the shift in customer expectations to reconfigure our products and processes around the customer needs, irrespective of the preferred channel of the customer. We believe that the Backbase Engagement Platform will enable us to provide the same great experience for all clients." Tamas Hak-Kovacs, CEO, DSK Bank

banking operating system

Coordinate actions, data & decisions across your frontline.

The Banking OS covers the full scope of your frontline - from what the customers experience, to the work behind the scenes that makes it possible.

01

Customer Engagement

Own the Customer Lifecycle

Acquisition, onboarding, origination, servicing, cross-sell, retention - every customer interaction orchestrated end to end.

Digital banking, conversational banking, and front-office workspaces work together in a shared context so customers never repeat themselves, and employees never fly blind.

02

Banking Operations

Automate the work between systems

Customer operations, disputes, payments, lending - the high-volume, exception-heavy operational work is where most cost-to-serve sits.

The Banking OS coordinates cases, decisions, and evidence across systems so AI agents and employees resolve faster, with full auditability.

BANKING OPERATING SYSTEM

The Banking Operating System.

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04

Understand the Frontline

Every customer and operation fully known to every system.

One shared semantic model of every customer, operation and state that every system, agent, and workflow operates from.

Run the Frontline

End-to-end orchestration across the entire frontline.

Customer journeys, case routing, and agentic workflows - orchestrated end-to-end across humans, agents, and systems.

Authorize the Frontline

Autonomy and automation with a full audit trail.

No agent, employee, or system acts without a Decision Token that checks policy and records evidence.

Optimize the Frontline

The Operating System gets smarter with every case

Intelligence that observes, decides, and improves continuously. Every resolved case, every completed journey, and every human override feeds back into the AI models.

Customer stories

Proven by the banks that got there first.

I&M Bank · Africa

From 2,000 to 21,000 new customers a month

I&M Bank grew onboarding 10x - and hit six million transactions a month - while keeping their Net Promoter Score above 75.

Techombank · Vietnam

Achieving 50% of savings and investments through digital

Techcombank now generates over half of total savings and investments through digital banking - driving significant business growth.

Before Backbase, we peaked at 2,000 new customers a month. Today, we're onboarding over 21,000 and processing 6,000,000 transactions a month and these figures continue to increase exponentially.

GM, Personal and Business at I&M Bank

Shameer Patel

FACTORY

Your team controls the Banking OS

One place to shape every workflow, agent and policy running in your bank. Engineering, product, analysts and risk - same bank, same environment, same cadence. No tickets. No vendor lock-out. Your roadmap

BANKING OPERATING SYSTEM

Connects to the systems you already run

The Banking OS sits above your systems of record.
It doesn't replace cores, CRMs, or data platforms. It coordinates the work between them.

Plugs into your core systems.  Marketplace included.

Pre-built connectors for core banking, payments, cards, lending, and risk. Marketplace integrations for best-of-breed fintechs.

Bidirectional and
real-time.

Event streaming and data synchronization keep every execution surface operating on current state.

Complements CRM, doesn't compete.

Running on Salesforce or Dynamics? The Banking OS coexists. No CRM? We've got you covered.

Questions

Frequently Asked Questions

The Unified Frontline starts here.

See how the Banking OS coordinates your costumers, employees, and AI agents into one operating model.