The Banking OS that unifies your frontline

One 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

"We're onboarding 10X more customers and processing 6 million transactions a month." • Shameer Patel, I&M Bank •

From dozens of fragmented systems and broken operations.

Onboarding crosses twelve systems. Servicing crosses eight. Disputes cross five teams. Every handoff costs time. Every exception costs money. It scales linearly and AI won’t fix it. Without shared context and clear rules, it amplifies it.

To a Unified Frontline that runs the bank as one.

Digital channels, front office, and operations. Customers, employees, and AI agents. Running on one shared truth and one execution engine, with explicit authorization for every action.

CUSTOMERS

Mobile • Web • Conversational

EMPLOYEES

CSR • RM • Branch • Operations

AI AGENTS

Servicing • sales • Operations

80%

of the bank work lives here

COPY / PASTE

SWIVEL CHAIR

SPREADSHEETS

E-MAIL

EVIDENCE

FOLLOW UPS

MEETINGS

HANDOFFS
MANUAL COORDINATION
EXCPTIONS

UNITED FRONTLINE

daily banking • assisted servicing • sales execution • operations

CORE BANKING

CRM

CARDS

PAYMENTS

KYC

FRAUD

DOCUMENTS

CASE MANAGEMENT

Banking OS • Control Plane

coordinates & governs the work across your frontline

Understand

Authorize

RUN

Optimize

CORE BANKING

CRM

CARDS

PAYMENTS

KYC

FRAUD

DOCUMENTS

CASE MANAGEMENT

banking operating system

Coordinate actions, data & decisions across your customer-facing operations

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

Banking OS. The Control Plane of the Unified Frontline.

01

02

03

04

Layer 01

Understand the frontline

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

Layer 02

Run the frontline

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

Layer 03

Authorize the frontline

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

The OS get's smarter with use

Optimize
the frontline

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.

Judo Bank · ADD COUNTRY AND LOGO

From zero to live in one year

Judo Bank built a world-class SME digital experience in just one year - empowering business owners and relationship-led bankers alike.

EverBank · ADD COUNTRY AND LOGO

Built for long-term, not just launch day

EverBank chose Backbase for the flexibility to execute today and the architecture to evolve with their long-term strategic goals.

It can be such hard work to make big changes. We knew we had to stay focused on the goal to deliver members a more seamless, uniform way for them to manage their money. The state-of-the art solutions, agile way of working and level of experience we got with Backbase has set us up to be able to provide that to members for years to come.

Chief Technology & Operations Officer for WSECU

Ben Morales

Backbase provides the ideal balance of out-of-the-box functionality and customization options.

Chief Digital Officer at Techcombank

Pranav Seth

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.

The banks pulling ahead right now with AI are building the architecture that makes every future capability possible.

The Banking OS that unifies your frontline