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THE AI-NATIVE BANKING OS

The operational brain of your bank.

One execution system that orchestrates work, enforces Decision Authority, and coordinates humans and AI agents across everything you already run.

Explore Architecture
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Layer 01

Understand the frontline

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

Explore Nexus
Layer 02

Run the frontline

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

Explore The Execution Layer
Layer 03

Authorize the frontline

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

Explore Sentinel
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.

Explore The Intelligence Layer
The core problem

Most work lives in the operational whitespace between systems.

Employees gather context from five systems to serve one customer. They make decisions under policy constraints with no shared truth. They coordinate teams through email and spreadsheets. They move cases through processes manually.

Operational fragmentation

Customer servicing, onboarding, lending, disputes, and compliance cases each require employees to navigate multiple disconnected systems.

Limited automation

Even highly digitized banks depend on humans to coordinate work across systems. AI needs a unified execution system with Decision Authority to operate.

Linear cost scaling

When customer interactions grow, banks must hire more people to manage operational complexity. As a result, cost scales with volume.

The Control Plane

Configure, monitor, and control everything across your bank.

Core banking, payments, cards, risk, CRM - each handles its own job. But the real work of the bank happens between them. The Banking OS is the control plane that allows you to configure, monitor, and control everything in real-time.

Customer success stories

120+ leading banks run on Backbase.

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.

Banking OS Studio

Build and deploy agents, workflows and guardrails.

One place where your team configure, monitor, and govern the Banking OS. Every process, every agent, every policy, every integration.

01
Process &
Workspace Designer

Design customer journeys, employee workspaces, and operational workflows visually. What used to require dev sprints now ships in hours.

02
Semantic
Modeler

Define the ontology - your Customer State Graph, product catalog, and context model. The shared source of truth that every execution surface and every agent draws from.

03
Agent
Builder

Build, test, and deploy AI agents that operate under Decision Authority. Configure autonomy levels - Assistive, Delegated, or Autonomous - set authority limits, and monitor behavior. All without writing code.

04
Decision &
Policy Designer

Define Decision Token policies: what AI can approve autonomously, what requires human review, and where compliance draws the line. Authority boundaries, risk thresholds, and autonomy levels - your team controls.

05
Connector
Studio

Wire up core banking, payments, cards, CRM, and third-party fintechs. Pre-built connectors for the systems you already run. Custom APIs for everything else.

06
Solution Packaging &
Deployment Manager

Bundle journeys, agents, policies, and integrations into deployable solutions. Push to production with confidence - versioned, tested, rollback- ready.

07
Operations
Control Center

Real-time visibility into every running process, every active agent, every open case. SLA tracking, anomaly detection, and operational health - one dashboard.

08
Simulation &
Testing Lab

Test journeys, agents, and policies against real scenarios before they go live. Simulate edge cases, stress test authority boundaries, and validate compliance - in a safe sandbox.

THE ARCHITECTURE

Five layers, one shared truth, one Operating system.

The Banking OS is built on a layered architecture where each layer has a clear responsibility - from how work gets executed, to how it's orchestrated, governed and grounded in semantics. Together, they form one unified execution system for your bank.

01
Interaction Layer

One surface.
Every experience.

The execution surface of the Banking OS. Composable Banking Apps, Composable Workspaces, and Conversational Banking - three rendering modes of a single execution surface. A product update ships everywhere simultaneously.

No more building the same feature three times for three channels. No more inconsistent experiences between mobile and branch. One execution surface that adapts to the context - customer self-service, employee-assisted, or AI-driven.

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Questions

Frequently Asked Questions

What is the Banking OS?
What is the Unified Frontline?
Who uses the Banking OS?
Does Backbase replace our core banking system?
How is this different from a digital banking platform?
How does the Banking OS handle AI governance?
How do banks get started?
What results should we expect?

The Unified Frontline starts here.

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

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