THE BANKING OPERATING SYSTEM

The operational brain of your bank.

An operating system purpose-built for banking - with shared context, coordinated execution and controlled governance. Every customer, employee and AI agent operates from the same foundation.

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Trusted by 120+ leading banks
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"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
"We are always aiming to serve our members today, with an eye to the changes tomorrow may bring. Partnering with Backbase allows Blue to discover pathways to our member’s possibilities and gives us the power to adapt and grow quickly." Stephanie Teubner, President and Chief Executive Officer at Blue Federal Credit Union
"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
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Layer 01

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.

Layer 02

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.

Layer 03

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.

Layer 04

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.

The architecture

AI-native from the ground up.

Adding AI to old banking software doesn't work. The Banking OS was built for AI from day one. Every layer serves customers, employees, and agents - working as one. Every action runs through the same authority. Every decision reads from shared context.

01
Interaction layer

Customers interact through banking apps that adapt to their needs in real time.

Employees work in role-specific workspaces with everything pre-assembled - no toggling between systems to service one customer.

Conversational banking that converts intent into action - working for both. Natural language in, authorized banking actions out.

02
Orchestration Layer

Every journey, case, and workflow runs end to end on one engine.

Predictable processes follow deterministic rules. Complex situations route intelligently to AI agents. Both run side by side - every handoff automated, every action audited.

03
Intelligence Layer

Governed and AI-act compliant from day one.

LLMs, domain models, machine learning, and risk models - all running inside a continuous learning loop. Every resolved case makes the next decision more accurate. Pre-trained on banking data. Governed and AI-act compliant from day one.

04
Semantic Layer - nexus

No conflicting data. No manual reconciliation.Β 

One definition of every customer, account, product, and case - used by every employee, agent, and workflow across the entire frontline.


No conflicting data. No manual reconciliation.

05
Authority Layer - sentinel

No action executes - by any actor, human or AI - without explicit authorization and Decision Token.

Every decision carries a full record: who acted, under which policy, with what evidence. AI autonomy is configurable per domain and revocable at any time.

06
Connectivity Layer

The Banking OS sits above your existing infrastructure.

It doesn't replace cores, CRMs, or data platforms - it connects to them through standardized contracts and event streams, coordinating the work between them in real time.

THE BANKING OS FACTORY

Control everything that runs in the banking OSΒ with Factory.

Your team owns everything that runs in the frontline - and has the engineering freedom to shape it. Design workflows, build agents, write policies, extend the system with your own logic. Ship on your own cadence. Evolve along with your bank.

Explore factory
Start

Ships pre-loaded with banking logic. Shape the specifications and configuration to your operating model.

Configure

Pre-validated blueprints from 120+ real bank implementations. Workflows, semantic models, agents, policies, and integrations - bundled per domain.

Build, Test, Deploy

Low-code studio for workflows, agents, policies, and connectors. Governed pipeline - version control, CI/CD, releases, rollback - on one engine.

Monitor

Live view of every workflow, agent, and system in production. Performance, SLAs, and agent impact - always visible.

Simulate

Test workflows, agents, and policies in a sandbox against real data. Catch issues before customers do.

Questions

Frequently Asked Questions

What can your team control in the Banking OS Factory?
How does the authority layer work?
How does the Banking OS handle AI governance?
What does the Semantic Layer do?
Is the Banking OS a data platform?
How is this different from adding AI to our existing systems?
How do banks get started with the Banking OS?
Does this work alongside our existing CRM?
Does the Banking OS replace our core banking systems?

See the Banking OS in action

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

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