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

Across Retail, SMB & Commercial, Private Banking, and Wealth Management

"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.

This is the Unified Frontline, and the Banking OS is how you get there.

banking operating system

Coordinate workflows, data & decisions across your frontline.

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.

Layer 04

Optimize
the frontline

A self-learning system where every execution outcome feeds back into the models that power the next decision.
Drift detection, accuracy tracking, and operational learning loops - intelligence that gets sharper the more your bank runs on it.

Customer success 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.

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.