Buy the platform, build the difference: OCB’s retail rebuild

OCB rebuilt its retail bank on Backbase in under six months, keeping the build under its own direction. Nearly every transaction in the consumer bank now runs through the app, and business banking is going onto the same foundation. The case study follows how OCB split what it bought from what it built, why AI writes every banner and notification in the app with a human approving it, and what retail proved before the business bank followed onto the same platform.