One operating model for every segment.
Backbase
Turn savers into investors, capture the affluent clients and retain wealth across generations with one unified frontline that enables cross-segment intelligence as a growth engine.
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Your bank’s growth opportunity is already there - your operating model just can't surface it.
Universal banks already have the client, the deposits, the data, and the distribution. No neobroker can match that footprint. But retail, affluent, and private banking run on separate systems, separate channels, separate P&Ls. The bank's breadth is experienced by the client as disconnection. That is the additional systemtax, and it is structural.
<1%
Retail clients cross-sold to wealth
- Capco
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$124T
Transferring by 2048, 70% of heirs will leave
- Cerulli
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70%
Of RM time absorbed by admin, not AUM growth
-McKinsey
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28%
of WM growth came from existing advisors
-BCG
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One Unified Frontline. Four growth opportunities.
The heirs of your private banking clients are already sitting in your retail book. The Unified Frontline surfaces that connection before the wealth leaks elsewhere - so the introduction is warm, the context is inherited, and the relationship stays. The AI-native Banking OS sits above your existing systems as one Control Plane existing cores as the Control Plane - one client identity, one data model, one intelligence layer across every segment.
The Unified Frontline
One operating model across retail, affluent, and private banking.
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Savers → Investors
Embed investing in the retail app - turn deposits into invested assets.
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Capture the affluent
Hybrid advisory that makes the $100K–$5M segment profitable.
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Premium experiences for HNW+
RM-augmented private banking on the same platform as retail.
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What the Unified Frontline delivers
Digital Investing
Subline
Trading, Guided Mandates, and Savings Plans embedded in the retail banking app - with nudges for the right client at the right moment.
Hybrid Advisory
Self-service investing, Digital Advice Proposals, and video banking for affluent clients. Smart Signals and Meeting Prep for advisors managing remote pools of 450.
Self-service investing, Digital Advice Proposals, and video banking for affluent clients. Smart Signals and Meeting Prep for advisors managing remote pools of 450.
Hybrid Advisory
Self-service investing, Digital Advice Proposals, and video banking for affluent clients. Smart Signals and Meeting Prep for advisors managing remote pools of 450.
Self-service investing, Digital Advice Proposals, and video banking for affluent clients. Smart Signals and Meeting Prep for advisors managing remote pools of 450.
Premium banking/ HNW+
Subline
Bespoke branding, estate structures, curated collections, and white-glove onboarding via The Prospect Lounge - on the same platform that powers retail.
Backbase allows us to deliver a truly unified, intuitive, and personalized digital journey for our clients, from onboarding to providing up to date information on their products and services; as well as providing a secure way for the client to interact with us.
The economics of the Unified Frontline
-71%
Subline
RM servicing time — from 28 hours/week to 8
450
Engaged clients per hybrid advisor — up from 150
Engaged clients per hybrid advisor — up from 150
20%
Investment penetration of retail clients — up from 5%
Investment penetration of retail clients — up from 5%
Recognized by the analysts
who cover the category
Forrester Wave™ Q2 2026 — Leader & Customer Favorite
Backbase named a Leader and Customer Favorite in the Forrester Wave™ for Digital Banking Engagement Platforms - recognised for AI-native architecture, composability, and the depth of its wealth management capabilities across retail, affluent, and private banking.
Ready to turn cross-segment breadth into growth?
Backbase
One operating model across retail, affluent, and private banking. Graduate customers from retail to private banking and wealth management. The wealth transfer is retained, not lost.
Backbase