Holistic advice
Turn data into personalized guidance
Customers expect more than transactions — they want meaningful, personalized guidance. With Backbase, banks deliver proactive, data-driven advice triggered by financial health indicators, aligned to life priorities, and responsive to key life events. Powered by the Intelligence Fabric, every interaction becomes a chance to improve customers’ financial wellbeing, offer the right products at the right time, and build lasting relationships that go far beyond the transaction.
Deliver AI-powered insights & advice
Modern consumers expect more than products — they want insight, relevance, and help making the right choices. Yet most banks fall short, offering one-size-fits-all products instead of true advice. Holistic advice changes that. It starts by capturing the full financial picture - linking accounts, inviting household members, and adding assets like a second home. With unified data, AI decisioning, and lifecycle insights, Backbase helps banks become the trusted advisor customers want.
47%
of wealth clients now prefer holistic advice across adjacent needs - up from 29% in 2018
8 in 10
consumers expect their bank to understand their needs and goals on a personal level
72%
choose banks for personalization but only 3% use what’s offered, showing banks still miss the mark
≈ 65%
of Millennial and Gen Z investors believe a financial advisor is important for financial success
Become your customers’ most trusted financial partner
Guide customers across their entire financial life - from current challenges to future ambitions. With real-time insights, event-based nudges, and seamless in-app guidance Backbase helps banks drive relevance, loyalty, and long-term value.
Financial health
Show customers where they stand, and where they could be
Equip customers with a clear, real-time view of their financial health across savings, debt, insurance, long-term savings, and money in bricks. Use AI to score wellness, detect risks early, and trigger timely, targeted actions — whether it’s building an emergency fund, opening a savings pocket, or refinancing high-interest debt. Make every insight count, and turn awareness into action.
See the big picture
All finances in a unified view
Bring every financial detail into one unified view — across individual, joint, and household accounts. Let customers link external holdings, loans, and non-financial assets like properties or vehicles, and invite their spouse or family members to participate in a shared financial overview. Surface insights like cashflow trends, budgets, and spending behavior to give customers a complete, living picture of their financial life. With a 360° view, you deliver smarter, more relevant advice based on real context — not just the products they hold with your bank.
Guide customers with goal-based advice
Make every interaction count
Start with the customer’s goals - buying a home, starting a family, or retiring early - and guide them with tailored advice to make it happen. Recommend the right mix of savings, lending, and investment products, show progress along the way, and adapt as their needs evolve. Make every interaction purposeful, and deliver value that goes beyond the product.
Event-based nudges to trigger action
Activate at the right moment
Detect moments that matter, and act on them instantly. Use behavioral signals, life events, and shifts in financial health to trigger timely, personalized nudges. Whether it’s suggesting a new savings pocket or prompting a chat with an advisor, deliver the right support at the right time - all seamlessly embedded in your app. Drive action, deepen trust, and move every customer forward.
