Retail Banking

Become a bank people love.

Neobanks win so many customers because they make banking less of a chore. But we help you provide the same digital-first approach, making your bank an integrated—and appreciated—part of a person’s day.

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Customer White - Retail Banking

Empower your customers

Give people the perfect blend of traditional and neobank capabilities. All on a single platform that works seamlessly across any device.

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Create Seamless Omni-Channel Customer Experiences

  • Everything in one place - Unify content and functionality from multiple back-end systems into a unified customer experience across web and mobile touchpoints.
  • One Platform, Any Touchpoint - one central digital platform to orchestrate seamless, personalized, experiences across any channel and device.
  • Accelerate - your Digital Transformation with a robust digital platform that enables your bank to create a digital first business.
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My Money Dashboard

  • Create ‘My Money Dashboards’ targeted to different customer segments.
  • Total end-customer control: add or remove widgets and create customized dashboards with drag and drop functionality.
  • Personal preferences remembered for every device so customers can easily navigate to their personal dashboard, optimized for the relevant device.
  • Display actionable insights and targeted promotions to individual users.
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Products and Transactions

  • Easily monitor balances of all accounts: checking, savings, debit and credit cards, personal and mortgage loans.
  • Dive into transaction details with multi-level categorization, faceted fi ltering and powerful search capabilities.
  • Track completed and pending transactions, including ATM visits, debit card purchases and direct deposits.
  • Custom grouping of accounts and shared accounts between account holders.
  • Add external accounts from other banks.
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Unified Money Movement

  • Intuitive money transfer tools, which support multiple types of transfers, including Person to Person (P2P) or Account to Account (A2A) or Member to Member (M2M) payments.
  • Both domestic and international payments are supported.
  • Scheduled and recurring payments are supported.
  • Integrates with social address books so customers can securely transfer money to friends via an email address or mobile phone number.
  • Review tool to monitor pending and scheduled payments.
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Seamless Security

  • Reduce friction - create one global customer identity from any number of sources and enable single sign-on across multiple (back-end) applications.
  • Full control - grant access to the right person, with the right permissions, and the right time with our rules engine and contextual access management.
  • Adaptive security - provide a secure experience with a broad range of second factors that are customizable for the level of risk of your app.
  • Password-less - create an experience that balances security and usability.
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Easy Self Service

  • Manage my Preferences - Configure your online and mobile banking application to exactly match your preferences, define notification rules, create smart actions to optimize your money allocation and tailor your application navigation and layout to your own unique needs.
  • Manage my Cards - One central point to manage all your cards, change pin codes, block/unblock cards, enable or disable international travel, define payment limits for your children, and more.
  • Manage my Products - get all your products in one place, with easy to use self-service capabilities to configure these products to your personal needs.
  • Manage my Family - manage multiple accounts and financial services for your family, create a safe place for your children to learn how they can manage their own money, and easily monitor and approve activities across all accounts.
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Customer Onboarding & Origination

  • Maximize acquisition - reduce user drop off with 24/7 accessibility and a frictionless omnichannel user experience.
  • Instant results - delivers instant verification and an unparalleled user experience so you can provide your customers with the best possible service.
  • Reduce risk - with instant digital verification methods that are 100% compliant with KYC/AML regulations
  • Flexible applications - Account Opening can be applied to a range of banking services, including spending, savings and investment accounts.
  • Save time - Improve operational efficiencies and provide better customer service with configurable automated decisioning logic.
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Account Aggregation

  • Multi-bank and credit card account aggregation.
  • Total net-worth insight, across multiple banks, real-time, within one superior customer experience.
  • Leverage 3rd party account data to drive smart sales campaigns and increase share of wallet.
  • Integrate strong customer authentication capabilities to authenticate online payments.
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Upcoming Cash Flow

  • Report on cash flow history based on balance and transaction data.
  • Short term account balance projection and cash flow forecasting provided.
  • Highlight upcoming bills, payments and transfers.
  • Projected balance history for individual accounts.
  • Detect patterns and suggest upcoming transactions to be included in cash flow projections.
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Budget & Goals

  • Tightly integrated PFM functionality at the heart of the banking experience.
  • Easy-to-use budgeting and spending tools for financial insight. Review past spending based on (sub-)categories and time intervals.
  • Automated budget based on spending history. Easy to update and re-calculate.
  • Set a global budget for total spending in all categories.
  • Goal progress automatically tracked using account balance.
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Secure Message Center

  • Easy integration with the existing customer contact center or front-office communication platform.
  • Secure mail messages can be used for any type of query, including those related to accounts and transactions, product information, or the explanation of an error message.
  • Secure Message Center is directly integrated with Notifications and Smart Actions, enabling notification of customers on the success or failure of scheduled payments, account balance alerts, when a daily limit increase is requested, and more.
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Actions and notifications

  • In-app notifications web and mobile.
  • Outbound notifications like push messages, SMS, email alerts, and more.
  • Notifications of unusual spending and low-balance warnings.
  • Sharing relevant personal finance insights or saving challenges.
  • Income/expense reports Weekly, monthly, and annual.
  • Targeted merchant-funded offers based on actual spending behavior.
  • Create smart actions to receive alerts or automate payments.
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Smart Banking

  • Net Worth - Based on aggregated view over banking products, provide a net worth overview. Allow users to manually add other assets, such as a holiday home or other assets/debts.
  • Smart Savings - Allow users to round up transactions and contribute automatically to a savings goal. Easy configuration by the end-customer.
  • Subscription Overview - Provide more insights into the recurring transactions (i.e. bills, subscriptions), by identifying spending patterns. Allow customers to take more informed decisions.

Employee Slate - Retail Banking

Enable your employees

Leverage the same platform to quickly resolve any customer issue. By getting them back on track in seconds, you can transform any event into an efficient and positive experience.

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Backbase User Management

  • One Place - to manage all your users, groups and their devices, mastered in Backbase Identity or from your existing Identity Management systems.
  • Self-Service - Administrators can control user management from a top-level view, and they can delegate administrative access across the organization to better serve their end users (enable/disable/reset/etc).
  • Empower End-Users - delegate user management rights directly to end-users, so they can create new accounts, manage profiles and control their own data.
  • Audit - enable employees to view the activity log for a user of company.
  • Better support - quickly service your customers when they have issues their online or mobile banking apps.
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Backbase Entitlements

  • Fine grained access control - Easy to configure and making use of job profiles, account groups and limits.
  • Self-service - Put your customer in the driver's seat managing entitlements by themselves or manage it for them.
  • Manage 3rd Party access - Allow your customer to grant third parties to access their accounts and define what they can do.
  • Approval policies - Define and enforce the rules, tailored to your and your customers needs, that drive the segregation of responsibilities.
  • Seamless integration with other Backbase services, that will allow entitlement policy enforcement at button level.
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Backbase 360 Customer View

  • Create the full picture - Aggregate customer data from multiple sources, such as your CRM, your core-systems and 3rd party data providers into a single view.
  • Tailor made authorization - Set granular access rights and entitlements for your front-office employees' authorizations in relation to your customers' data and products.
  • The right help at the right time - track user behavior across multiple channels and interactions and make sure your adviser understands the steps a customer had already taken in order to respond accordingly.
  • Relevant recommendations - empower advisors to understand your customers' financial situation, and enable them to recommend suggestions for improvment.
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Backbase Case Management

  • Easy-to-use - task-focused apps, providing your employees and customers with a delightful experience at every digital touch point
  • Connect and streamline - people, processes, data, and content in both structured or dynamic unstructured business processes.
  • Unify and accelerate - these interactions for better, faster, smarter decisions.
  • Increase sales - assist customers with complex transactions, convert more sales and provide just-in-time sales support across all customer preferred channels.
  • Fast time to Market - leverage pre-build accelerators for customer onboarding, account opening, loan/credit origination and self-services processes.
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Backbase CRM Integration

  • CRM integration - Backbase easily integrates with your existing CRM systems (e.g. Salesforce, Microsoft Dynamics, Oracle CRM).
  • Embed Backbase in your CRM - Re-use Backbase widgets (capabilities) directly embedded in your CRM desktop.
  • Embedded CRM in Backbase - Re-use your CRM capabilities as widgets and run them embedded in your Backbase portal.
  • Campaign Management – by combining data from your CRM and from the Digital Banking world you can create highly personalized and relevant offers, increasing your share of wallet with your customers.

Team White - Retail Banking

Equip your digital teams

It’s not just our technology. We help you build digital squads so you can quickly innovate and respond to whatever comes next.

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UX Designers
Design System

  • Provides guidelines and UI components, supporting designers and developers in staying fully aligned throughout the development cycle.
  • Enable rapid prototyping via an always up-to-date Sketch Template that is fully aligned to the component library used by the engineering team.
  • Sketch Templates contain core visual styles - components, color swatches, iconography, and templates give designers an accelerator for UI/UX.
  • Leverage the Living Styleguide as a centralized place for all the existing UI components used across all widget collections.
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Digital Marketers
Content Management

  • Multilingual and multi-country - create experiences in multiple languages and locales.
  • Integrated content management - allows for re-use of the same content across multiple pages and applications.
  • Visual Editor - use the Page and App editors to easily configure all your web and mobile apps on the fly - without coding.
  • Compliant - Integrated user management and auditing capabilities to manage all interactions across your digital channels.
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Digital Marketers
Campaign Management

  • Leverage your data - Track customer behavior and preferences and connect to multiple data sources to fuel your campaigns.
  • Efficient - create and manage campaigns in a single location and distribute them in multiple presentation formats.
  • Run everywhere - run and optimize your campaigns across all your digital touchpoints - both web and mobile.
  • Valuable insights - Integrated analytics and reporting on campaigns effectiveness.
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Business Engineers
Visual Modeling

  • Streamline - onboarding journeys with Backbase frictionless digital Account Opening solution for a true omnichannel experience.
  • Go-fast - Create easy to use origination flows, with instant loan quotes, real-time approvals and automated fulfillment.
  • Go-paperless - go digital with straight-through processing (STP) and all-digital process that can be executed without paper and human involvement.
  • Easy modeling - allowing business engineers to model service orchestration, task flows, and much more in technically-executable yet easy to understand diagrams.
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DevOps Engineers
DevOps

  • Open standards - The Backbase technology stack is fully based on open standards and taps into large global developer ecosystems.
  • Flexibility - Our SDKs and modern architecture give you a robust digital platform foundation, and your developers the flexibility to quickly create new capabilities.
  • Software Development Life Cycle - Backbase provides best practices and recommended tools for all stages of the SDLC while easily fitting into your existing process.
  • Release faster - Adopt the best practices of DevOps and learn how to deliver software faster, improving its quality and your overall development process.
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Software Engineers
Software Development Kit

  • Open standards based, modern front-end widget development (HTML, JavaScript, CSS).
  • Optimized and open rendering strategies for any web-based channel.
  • Create hybrid, mixed (hybrid + native) or fully native mobile apps for Android and iOS.
  • An opinionated set of tools, libraries, and best practices to deliver consistent high-quality back-end services.
  • Client & API code generation tools to speed up development time and align the needs of front-end and back-end services development.
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Backbase
Community

  • Learning Trails - Trails are guided learning paths through modules and projects that help you cover the most ground in the shortest amount of time.
  • User Forum - Have a question or an idea? Raise it in the Backbase Community forum. Jump in to meet fellow Backbase experts around the world.
  • Documentation - One central place to find all the official product documentation, including all the different versions and past releases.
  • Customer Support - Have a direct line to our experts, any time of the day, via phone or online.
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Backbase Open
Banking Marketplace

  • Enrich - your digital banking experiences by leveraging 80+ fintech extensions - that you can find in the Open Banking marketplace - all in one place.
  • Best of Breed - leverage best-of-breed capabilities that can be easily plugged-in to your Backbase platform.
  • Go Fast - pick and run with pre-integrated fintech solutions that significantly boost speed and efficiency in your go-to-market strategy.
  • No lock-in - the Backbase platform is fully open and based on industry-standard API’s, which allows financial institutions to take control of their own digital experience.

This isn’t our first rodeo

We leave when you’re happy. Not a day earlier. This committed way of working has won over a lot of our clients’ hearts.

> Read their stories here

Trusted by leading banks around the world

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Take the leap

Want to learn more about how our platform can modernize you bank?
Just schedule a chat with one of our experts. We’re here to help.

Schedule a chat

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