The Engagement

Banking Platform
The open platform to rapidly
modernize your bank

backbase.com
The Engagement Banking Platform /2

Break free from vendor lock-in & tech debt 03.

Table of content • Legacy Apps
• Composable Platform
• Journey orchestration & tailored value propositions
Say goodbye to vendor lock-in and
It’s time to rethink your modernization strategy 06.
legacy systems with a truly open
digital banking platform. Modern banking, built on open platforms 08.

Don’t limit your choices to either build or buy, A composable platform fabric for rapid banking 09.
and move beyond the traditional platform model. modernization
Now, you’ll have the option to buy for speed and • Identity & Entitlements Services
then build for differentiation, allowing you to get
• Customer Experience Services
to market fast with a solution that’s all your own.
• Omnichannel Banking Services
• Human Assist Services
• Process Orchestration Services
• Customer Data & AI Services
• Integration Services

Accelerate your digital banking transformation 27.

• Buy plus build
• Polyglot architecture
• Digital Factory
• Reallocate budget

Deployment options 35.

• Backbase-as-a-Service
• All hosting options supported

By developers, for developers 38.

The Engagement Banking Platform /3

Break free from vendor

lock-in & tech debt

Mobile App

Mobile App
Call Center

Call Center

Web App

Web App
Branch

Branch
In the traditional banking model, too many banks are stuck
with outdated, expensive, siloed tech that’s hard to change
— and even harder to stitch together when attempting to
serve the customer.

Seize the opportunity to break free and shift to a new-

generation Engagement Banking model. By leveraging
a single omni-channel banking platform, you can adopt
a customer-centric approach, orchestrate user journeys
across all your touchpoints, and innovate at the speed of
digital.

Legacy Apps

PROBLEM
The Engagement Banking Platform /4

Break free from vendor

lock-in & tech debt
In the traditional banking model, too many banks are
stuck with outdated, expensive, siloed tech that’s
API API API
hard to change — and even harder to stitch together
when attempting to serve the customer.
Capability Capability Capability
Seize the opportunity to break free and shift to a
new-generation Engagement Banking model. By Capability Capability Capability
leveraging a single omni-channel banking platform,
you can adopt a customer-centric approach, Capability Capability Capability
orchestrate user journeys across all your touchpoints,
and innovate at the speed of digital.
Capability Capability Capability

Enterprise Integration Layer

Composable Platform

SOLUTION
The Engagement Banking Platform /5

Break free from vendor

lock-in & tech debt
In the traditional banking model, too many banks are
stuck with outdated, expensive, siloed tech that’s
hard to change — and even harder to stitch together
when attempting to serve the customer.

Seize the opportunity to break free and shift to a

new-generation Engagement Banking model. By
leveraging a single omni-channel banking platform,
you can adopt a customer-centric approach,
orchestrate user journeys across all your touchpoints,
and innovate at the speed of digital.

Journey orchestration & tailored

value propositions

SOLUTION
The Engagement Banking Platform /6

It’s time to rethink your Traditional banking

maintaining legacy
modernization strategy
The traditional banking model is built on legacy systems
that are costly to maintain and provide little differentiating Front Office:
value to customers. channels

But things are already changing. There’s been a major

paradigm shift towards a new operating model that’s
Middle Office:
centered around customer engagement orchestration
onboarding, services
and the bank’s ability to create differentiating value
propositions. And with Backbase, you’ll be poised to
capitalize on this change.

Back Office:
operations, compliance

Legacy Core Systems:

reporting, finance

CURRENT
The Engagement Banking Platform /7

It’s time to rethink your Engagement Banking

differentiating value propositions
modernization strategy
The traditional banking model is built on legacy
Journey
systems that are costly to maintain and provide little
Orchestration
differentiating value to customers.

But things are already changing. There’s been a

major paradigm shift towards a new operating model
that’s centered around customer engagement Intelligent
orchestration and the bank’s ability to create Workflows
differentiating value propositions. And with
Backbase, you’ll be poised to capitalize on this
change.
Data &
AI Driven

Learner
Core

FUTURE
The Engagement Banking Platform /8

Modern banking,
built on open
Funding method
platforms
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$200.00
Harness the power of a new- Balance: $5,156.22

generation, composable digital Add money

banking platform for accelerated

innovation.

The Backbase Engagement Banking Platform

offers a modular platform fabric with frequently-
used capabilities, allowing you to quickly and
securely connect to your downstream systems of
Logging in
record, such as core systems and CRMs, as well with Face ID

as third-party fintechs in your tech stack. This Lizzy Beth Card details
industrialized platform serves as a future-proof
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and stable foundation for seamlessly orchestrating xxxx xxxx xxxx 4350
all your customer and employee interactions
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across any digital channel. Additionally, the

API-led architecture empowers you to focus on 4350

composing differentiating user experiences and Lizzy Beth

deliver real business value.

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12/24
The Engagement Banking Platform /9

A composable platform fabric

for rapid banking modernization
Our 400+ industrialized and composable capabilities give you the flexibility to
rapidly create tailored and differentiating financial experiences. It’s built as a single
platform from the ground up and designed to empower your bank to innovate on its
own terms.

API API API API API API +

+
Composable
+
platform fabric
+

Enterprise Integration Layer

Downstream
connectors

Core systems Fintechs

System of record Best of breed

Take a look into our powerful platform capabilities 

The Engagement Banking Platform / 10

Platform capabilities

— Tailored value propositions | user experience —

Identity & API API API API API API +

Entitlements User Mngt Access Control Verify | Authy Entitlements Device Mngt Audit +

Services Presentation Preferences Segments Campaigns AI - Advice AI - Upsell +

Accounts Transactions Payments Limits Approvals Batches +

Mitigate risks and fraud by securely

managing digital identities and the Pockets Cards Wallet Portfolio Robo Advisory Trading +

access rights of your end-users across all

your digital banking channels — without Cons Lending Com. Lending Mortgages Trade Finance Invoice Finance PFM | BFM +

compromising on their experience.

One Workspace Customer 360 User Mngt On Behalf Advisory Live chat +

Learn more 
UX Flow Track & Trace Workflow Case Manager Decisioning Documents +

Data Lake Aggregation Ingestion AI | ML Analytics Reporting +

Enterprise Integration Layer

— system of record : core banking | fintechs ecosystem —

The Engagement Banking Platform / 11

Platform capabilities

Identity & Entitlements Services

Strong Customer Authentication Impersonation

 Secure your customer data by taking authentication to the next
 Take customer servicing to the next level by allowing your
level. Generate unique authentication codes through at least two employees to act on behalf of customers for digital or
independent factors and a mix of either possession, inherence, and in-branch scenarios. Privileged service-agents can temporarily
knowledge. Unlock biometric recalls across all digital channels with emulate customers in their digital banking applications to perform
device enrollment for public key regeneration. complex actions and quickly resolve queries.

Access Control & Entitlements Device Management

 Highly configurable fine-grained access control,
 Allow your customers to securely enroll their devices for mobile
approval workflow, and limits management. Empower banking and FIDO-based authentication. Link unique users, devices,
your customers and bank employees to administer user and signing keys to be used for authentication of web and mobile
permissions for managing service agreements, creating channels. Sign and approve payments initiated via web, mobile, and
user profiles, setting limits, managing approvals, and PSD2/Open Banking channels (third-party) apps.
more.

Transaction Signing Federation

 Protect your users against unauthorized transactions and non-
 Re-use any existing user database or user directory to be fully
repudiation. Use PSD2 RTS compliant FIDO-based translation integrated with the platform. Our federation protocols synchronize
signing journeys and integrated authentication using SMS/email and co-exist with your existing systems through a built-in LDAP/AD
one-time passwords (OTPs). The dynamic linking capability stores adapter or, in case of custom-user directories, through a custom-
transactions and signatures together through audited confirmation developed adapter.
records.
The Engagement Banking Platform / 12

Platform capabilities

— Tailored value propositions | user experience —

Customer API API API API API API +

Experience User Mngt Access Control Verify | Authy Entitlements Device Mngt Audit +

Services Presentation Preferences Segments Campaigns AI - Advice AI - Upsell +

Accounts Transactions Payments Limits Approvals Batches +

Stand out in a competitive market and

become the banking app of choice. Pockets Cards Wallet Portfolio Robo Advisory Trading +

Deliver tailored experiences, advice,

product offerings, and communications Cons Lending Com. Lending Mortgages Trade Finance Invoice Finance PFM | BFM +

to your customers, directly within their

apps. Move from “one-app-fits-all” to One Workspace Customer 360 User Mngt On Behalf Advisory Live chat +

micro-segmentation with personalized

apps that excite. UX Flow Track & Trace Workflow Case Manager Decisioning Documents +

Data Lake Aggregation Ingestion AI | ML Analytics Reporting +

Learn more 

Enterprise Integration Layer

— system of record : core banking | fintechs ecosystem —

The Engagement Banking Platform / 13

Platform capabilities

Customer Experience Services

Audiences & Segmentation Communication & Interaction

 A set of foundational capabilities that consumes and manages all
 Deliver personalized content on any channel, using any of the
your customer data sources (internal and external). Create logical available engagement patterns (e.g. in-app notifications/nudge,
groups of customers using SQL-like operators to enable data-driven live chat, SMS, etc). Any capability or combination thereof can
segmentation. With continuous data ingestion, changes to your trigger personalized content delivery: account activity data, balance
customer data are automatically, incrementally processed. mutations, transactions, payments, user behavior, etc.

Campaigns AI CoPilot
 The Campaign capabilities orchestrate all of the interactions
 Deliver tailored recommendations and product propositions
between the bank and its customers, on any channel, for any with AI-powered smart advice and assistance capabilities.
engagement pattern. Templates can be used and enriched with
customer data to personalize the experience. These capabilities
AI - Upsell
include ready-to-use communications services such as SMS, email,
push notifications, in-app messages, or even live-chat capabilities.  Generate Next Best Offers based on all the relevant information
from the customer, consumed from the Customer Data & AI
Services layer.
Presentation
 The Presentation capability allows you to dynamically tailor the
Preferences
experience and content to each individual user, without having
to build and deploy multiple apps. With dynamic rendering, you
 The Preferences capability allows for personalization of the
decide what features, products, add-ons, and bundles are offered to end-user experience, supporting feature toggles and capability
different micro-segments. settings that differentiate the end-user experience to their liking,
across all channels.
The Engagement Banking Platform / 14

Platform capabilities

— Tailored value propositions | user experience —

Omnichannel API API API API API API +

Banking User Mngt Access Control Verify | Authy Entitlements Device Mngt Audit +

Services Presentation Preferences Segments Campaigns AI - Advice AI - Upsell +

Accounts Transactions Payments Limits Approvals Batches +

Unlock progressive modernization with

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microservices that fuel advanced,
real-time daily banking journeys and truly
Cons Lending Com. Lending Mortgages Trade Finance Invoice Finance PFM | BFM +
innovative customer experiences, all
while offloading your systems of record
One Workspace Customer 360 User Mngt On Behalf Advisory Live chat +
and complementing with innovative
capabilities.
UX Flow Track & Trace Workflow Case Manager Decisioning Documents +

Learn more  Data Lake Aggregation Ingestion AI | ML Analytics Reporting +

Enterprise Integration Layer

— system of record : core banking | fintechs ecosystem —

The Engagement Banking Platform / 15

Platform capabilities

Omnichannel Banking Services

Payments Financial Insights

 Make money movements like purchasing, transferring, and
 Powerful data processing and analytics allow you to offer financial
payments convenient for your customers. From frictionless peer- insights to your customers. Provide income expense analyzers
to-peer transfers, account-to-account transfers, and bill payments, for income and spending analysis, budgets, pockets, turnovers,
you’ll allow your customers to send money quickly and securely. and more. Each service is built on an individual persistence layer,
Cater to any payment process, whether it’s configured by you or allowing quick calculations and processes while offloading the core
even by your customers. banking system.

Transactions Contacts
 Improve your customers’ personal finance management (PFM) by
 Give your customers the freedom to take multiple actions on
turning your transactions into a powerhouse of insights. Provide contacts associated with their accounts. From creating, editing,
full control over transactions while enriching them with real-time or deleting contacts to advanced searches, initiating payments,
contextualized data. Empower your customers with insights on and more, you’ll be able to offer powerful capabilities through a
spending habits, allowing them to improve their overall financial unified overview of all contacts. The services are pre-integrated to
wellbeing. And all the while, your helpdesk agents will have the automatically trigger approval processes when new contacts are
power to efficiently service them whenever they need assistance. added or edited.

Trading Accounts
 Enable your users to actively participate and execute trades in the
 Allow your customers to aggregate accounts from different
financial market by offering access to a broad spectrum of financial core systems in a unified and consolidated way. Our microservices
instruments, including stocks, mutual funds, and bonds. enable the aggregation of financial data from varied sources such as
The capability gives customers the tools they need to make bank accounts and credit cards, empowering your end-users to take
informed trading decisions through user-friendly features and control of their finances.
advanced capabilities like price alerts or watch lists.
The Engagement Banking Platform / 16

Platform capabilities

Omnichannel Banking Services

Remote Deposit Capture Robo Advisory

 Accelerate your check clearance rates by digitizing end-to-end
 Empower your customers to embark on their investment journey.
check depositing, allowing consumers and businesses to digitally Create digital investing products starting from a basic robo-advisory
deposit physical checks via the banking app — anywhere, anytime. solution to theme-oriented investment portfolios such as ESG or
Streamline your entire physical check-deposit process to enhance sector-specific investments. Our platform offers a comprehensive,
the digital banking experience, enabling you to increase digital fully automated tool that simplifies the investment process while
adoption while reducing financial fraud and lowering processing ensuring optimal portfolio customization.
and servicing costs.

Portfolio Management Cash Flow Forecasting

 Give your customers the ability to view their aggregated wealth and
 Provide real-time insights on cash flow data to your business
individual investment portfolios on demand. Our platform provides banking customers, enabling them to improve their financial health
an extensive view on portfolio instrument positions, allocations, and the performance of their small-and-medium-sized enterprises
cumulative performance, valuation, and variation. That way, your (SME). And while you do it, you’ll increase the acceptance rate for
customers can view the list of transactions in a portfolio, as well your credit and loan applications. Aggregate all available accounting
as search for a required transaction and filter them by a set of data within your business banking transactions — such as payables,
parameters. receivables, bills, and invoices — to create dynamic dashboards.

Batches
 Allow your business users to create and send multiple payments
in one go, instead of individually. Give the power back to your
customers so they can stay in control of all batches and related
payments with a unified and actionable overview.
The Engagement Banking Platform / 17

Platform capabilities

— Tailored value propositions | user experience —

Human Assist API API API API API API +

Services User Mngt Access Control Verify | Authy Entitlements Device Mngt Audit +

Presentation Preferences Segments Campaigns AI - Advice AI - Upsell +

Empower your front-office
and development teams with Accounts Transactions Payments Limits Approvals Batches +

a comprehensive, easy-to-use,
customizable solution, allowing them to Pockets Cards Wallet Portfolio Robo Advisory Trading +

drive faster, more effective customer

support. Boost employee productivity, Cons Lending Com. Lending Mortgages Trade Finance Invoice Finance PFM | BFM +

preserve the personal touch, and keep

costs down — Human Assist Services lets One Workspace Customer 360 User Mngt On Behalf Advisory Live chat +

you have it all without compromise.

UX Flow Track & Trace Workflow Case Manager Decisioning Documents +

Learn more 
Data Lake Aggregation Ingestion AI | ML Analytics Reporting +

Enterprise Integration Layer

— system of record : core banking | fintechs ecosystem —

The Engagement Banking Platform / 18

Platform capabilities

Human Assist Services

Unified workspace Act on behalf

 Combine a range of critical customer service tools into a
 Create a secure service environment powered by highly
best-in-class unified workspace for service agents, including a rich configurable entitlements and access controls that enable
360° view of the customer, customer profile management, permitted service agents to carry out key service actions
on-behalf-of actions, real-time communications, and more. — such as managing access and card — on behalf of a customer.

360° Customer View

 Advisory
Consolidate siloed customer data from core banking systems,
CRMs, fintechs, and other databases into a 360° view. From
 Leverage a 360° view to offer personalized advice to customers
personal customer details to product and account information, via automations (chatbots) or portfolio advisors and service agents.
easily configure the types of data service agents can see and enable Make recommendations based on financial health, credit reports,
more consistent service at a lower cost. income, and expenditure patterns, all within a unified workspace.

User Management Customer Communications

 Govern user interaction with digital banking applications through
 Connect customer communication channels such as secure
easy to navigate journeys spanning user creation, enrollment, and messaging and live chat, directly within a unified workspace, and
access, all managed via a unified workspace and fully connected to enable agents to deliver instant and low-friction experiences for
core banking systems. customers.
The Engagement Banking Platform / 19

Platform capabilities

— Tailored value propositions | user experience —

Process API API API API API API +

Orchestration User Mngt Access Control Verify | Authy Entitlements Device Mngt Audit +

Services Presentation Preferences Segments Campaigns AI - Advice AI - Upsell +

Accounts Transactions Payments Limits Approvals Batches +

Unleash enterprise agility. Leverage

Pockets Cards Wallet Portfolio Robo Advisory Trading
an architectural blueprint and +

enterprise-grade capabilities to build

Cons Lending Com. Lending Mortgages Trade Finance Invoice Finance PFM | BFM
and orchestrate customer interactions +

— from simple to highly complex —

One Workspace Customer 360 User Mngt On Behalf Advisory Live chat
and business processes, including
+

decisioning, document storage, and case

UX Flow Track & Trace Workflow Case Manager Decisioning Documents +
management.

Data Lake Aggregation Ingestion AI | ML Analytics Reporting

Learn more  +

Enterprise Integration Layer

— system of record : core banking | fintechs ecosystem —

The Engagement Banking Platform / 20

Platform capabilities

Process Orchestration Services

Process Engine Interaction Engine

 The Process Engine is used to orchestrate complex workflows
 The Interaction Engine facilitates the customer-facing parts of
between customers and the involved bank departments. Design and your onboarding, lending, and investing UX flows and ensures
execute end-to-end business workflows within a journey, including the right questions, steps, and experiences are rendered on any
manual steps. Rather than using a proprietary language and digital customer touchpoint. An interaction is the collection of
technology, the Backbase platform adopts the Business Process steps a customer needs to go through in order to complete their
Modeling Notation (BPMN) 2.0 standard and is based on the open- application. An interaction step can vary in size from a multi-page
source Camunda platform. That way, you can always find the right form to a single-form field. The Interaction Engine ensures a
talent to work with it. Your business analysts can use a visual seamless user experience and handles unstructured user
modeling studio to create new business processes or make changes behavior much better than a process engine could on its own.
to existing/out-of-the-box processes provided by Backbase.

Document management Decision Engine

 These capabilities enable intelligent document orchestration
 The Decision Engine is used to automate decision making across
throughout any workflow, catering for storage, searching, your banking workflows. Decisions are invoked from the Interaction
versioning, communication, and access control. Documents can Engine, as well as the Process Engine. This way, decisions are
be either uploaded by a customer or employee, automatically reused not only across flows (i.e. your end-to-end main processes),
generated in the Backbase platform, or received from an external but also between sub-processes and interactions. Backbase adopts
solution. The Document Store service supports private repositories the Decision Model and Notation (DMN) standard for decision
that are only available for service-to-service communication inside modeling, a well-established standard within the industry.
the platform. The Authentication and Access Control handle access This makes it relatively easy to find people that can work with
control for Document Store so only authorized users have access to Backbase to craft your decision models.
case documents.
The Engagement Banking Platform / 21

Platform capabilities

Process Orchestration Services

Case Management Application Center

 The Case Data Store is a domain-agnostic model that provides
 The Application Center is a customer-facing environment that
a single source of truth for the case data across the end-to-end provides transparency throughout the business process. Prospects
banking process. Data is collected and enriched through the and customers can securely access this service, allowing them to
interaction engine. At the same time, integrations are orchestrated digitally collaborate with the bank, complete pending tasks on their
by the process engine, collecting data from third-party providers side, and keep track of the progress of their case or application.
and downstream systems. It’s fully versioned, stored, and managed A pre-built Document Request Journey allows the bank to create
within the platform, accessible to employees through the Case document requests, either manually through the Case Manager or
Manager. Case Manager is an application that allows bank driven automatically by the Process Engine. A task is generated
employees to manage tasks related to user onboarding and other in the Application Center, where the customer or prospect can
product applications. The Milestone-Tracking Capability service securely exchange documents with the bank.
provides out-of-the-box functionality that allows customers and
employees to easily see and track the progress of an application.
The Engagement Banking Platform / 22

Platform capabilities

— Tailored value propositions | user experience —

Customer API API API API API API +

Data & AI User Mngt Access Control Verify | Authy Entitlements Device Mngt Audit +

Services Presentation Preferences Segments Campaigns AI - Advice AI - Upsell +

Accounts Transactions Payments Limits Approvals Batches +

Utilize a unified customer data profile,

Pockets Cards Wallet Portfolio Robo Advisory Trading
enriched with data from any source, to +

enhance your customer view, analytics,

Cons Lending Com. Lending Mortgages Trade Finance Invoice Finance PFM | BFM
and experience. Adopt Artificial +

Intelligence and Machine Learning

One Workspace Customer 360 User Mngt On Behalf Advisory Live chat
(AI/ML) to reduce manual processing,
+

friction, and cost. Build your own

UX Flow Track & Trace Workflow Case Manager Decisioning Documents +
capabilities using our Open Data platform
and technologies to scale.
Data Lake Aggregation Ingestion AI | ML Analytics Reporting +

Learn more 
Enterprise Integration Layer

— system of record : core banking | fintechs ecosystem —

The Engagement Banking Platform / 23

Platform capabilities

Customer Data & AI Services

Data Lakehouse BI Reporting

 Our Data Lakehouse capabilities provide a foundational architecture
 BI Tools can connect to the Backbase Data Lakehouse through
for big data analysis. Backbase leverages the power of Microsoft native SQL integration. Backbase leverages and provides dashboard
Fabric as part of our unique partnership with Microsoft. This allows accelerators based on Microsoft Power BI, but alternative tools
us to collate data from the Backbase platform and make it available — like Tableau — can also be utilized. You can even bring your own
for analysis and action through reporting, analytics, and MI/ML. tooling to access data within the Data Lakehouse.

Data Ingestion Anonymization

 The Data Ingestion capabilities brings together data for analysis.
 Backbase uses Microsoft Purview to define which data from the
Backbase provides a prescriptive data ingestion reference, available available catalog is applicable to be processed and subsequently
out-of-the-box. Thanks to Microsoft Fabric Data Flows, engineers determines which data should be anonymized.
can develop data transformation logic without writing code. Then, we anonymize the selected data and ensure it’s fit for
Furthermore, a point-and-click configuration interface facilitates purpose and ready for use in the reporting and analytics capabilities
the easy administration of the ingestion process. (BI, AI | ML).

AI | ML Analytics
 Leverage your data for insights and automation. Backbase Data-as-
 Access and analyze data for BI Reporting. Backbase utilizes
a-Service runs experiments and prototypes using AutoML, which Microsoft Fabric to allow data engineers to directly interact, query,
provides model building development capabilities as part of the and prepare data to be used in further stages, such as for BI
Microsoft Azure data cloud. Reporting and MI/ML solutions.
The Engagement Banking Platform / 24

Platform capabilities

Customer Data & AI Services

Real-Time Analytics Data Science

 Get real-time insights on customer behavior, including screen
 Backbase provides an Open Data platform — allowing your data
views, interactions, and crash analytics. Dashboards provide scientists and engineers to leverage all the data for analysis and
immediate insights while reporting capabilities provide historical experimentation with familiar tooling, including Spark notebooks.
trend analysis capabilities.

Segmentation
 Define and segment users based on key data markers in the
customer profile or any data source integrated with the Data
Lakehouse. This allows you to target capabilities across the
Engagement Banking Platform to the most relevant customers.
The Engagement Banking Platform / 25

Platform capabilities

— Tailored value propositions | user experience —

Enterprise API API API API API API +

Integration User Mngt Access Control Verify | Authy Entitlements Device Mngt Audit +

Services Presentation Preferences Segments Campaigns AI - Advice AI - Upsell +

Accounts Transactions Payments Limits Approvals Batches +

Reduce dependency on your core

Pockets Cards Wallet Portfolio Robo Advisory Trading
banking systems. Bring cutting-edge +

digital experiences to life by integrating

Cons Lending Com. Lending Mortgages Trade Finance Invoice Finance PFM | BFM
your systems of record, CRM, and +

fintech capabilities with your system of

One Workspace Customer 360 User Mngt On Behalf Advisory Live chat
engagement.
+

UX Flow Track & Trace Workflow Case Manager Decisioning Documents +

Learn more 
Data Lake Aggregation Ingestion AI | ML Analytics Reporting +

Enterprise Integration Layer

— system of record : core banking | fintechs ecosystem —

The Engagement Banking Platform / 26

Platform capabilities

Enterprise Integration Services

Unified APIs Connectors

 Completely standardized and stable Unified API layer that ensures
 Accelerate your time-to- market with pre-built connectors with
all technologies and standards connect seamlessly with your leading cores, CRMs, and fintechs. Our productized connectors help
engagement layer. The core agnostic and channel agnostic banking you integrate your engagement layer with downstream systems,
domain model is based on BIAN’s leading data model and API while enhancing your customer experience with cutting-edge
definitions, and follows ISO 20022 standards. technologies from trusted third-party vendors.

API Management Layer

 Leverage our powerful API management platform with our
developer portal, API sandboxes, authentication, security,
versioning, and API Analytics. With our APIOps approach, we
guarantee a consistent and high-quality standard.

Integration Platform-as-a-Service
 Connect with a serverless platform to create cloud-native
enterprise integrations. Support all integration patterns for data
mapping, aggregation, filtering, routing, and more. Our platform’s
composable and robust banking specific building blocks allow you
to create integrations at speed.
The Engagement Banking Platform / 27

Accelerate your digital

banking transformation

 Buy plus build

 Polyglot architecture

 Digital Factory

 Reallocate budget

How to accelerate your digital banking transformation 

The Engagement Banking Platform / 28

Banking transformation

Buy Build
Buy plus build:
get the best of Front-end
Design system

both worlds journeys

Out-of-the-box journeys Custom journeys

Web / mobile SDKs

API API API API Custom Custom

We believe banks shouldn’t API API

be forced to decide between Custom

capability
Custom
capability

“buy” and “build.” Platform Custom Custom

capabilities capability capability

With our out-of-the-box platform Services SDK

capabilities and customer journeys,
your bank can leverage readily available Enterprise Integration Layer
functionality, covering up to 80% of what
you need to build a modern mobile or web Out-of-the-box connectors Services SDK
application on top of your core banking Back-end
conncetors Core Fintech Open-source Custom
infrastructure. connectors connectors connectors connectors

That means your engineers will be able

to focus on your unique, differentiating
value, rather than building the basic
functionalities from scratch. Leverage
industrialized platform capabilities and
ready-to-adopt customer journeys so
you can differentiate by building unique
features on top of a robust, industrialized,
battle-proof architecture.
The Engagement Banking Platform / 29

Banking transformation

Polyglot architecture:
maximum flexibility
Our platform can be adopted within your bank’s
existing polyglot landscape, enabling you to continue OTS - Apps & Journeys
leveraging multiple programming languages and
technology frameworks.

Polyglot front-end
Starter Apps & embedded Journeys
Continue exploiting the thriving ecosystems and
communities of popular front-end technologies like
Angular, React, Flutter, Vue.js, Swift, and Kotlin. Using
micro-frontends and module federation, our polyglot
architecture allows you to tap into these ecosystems
and leverage a vast array of tech-specific libraries,
tools, and community support. By limiting the need
for rework and reducing complexity, you can quickly
integrate with our platform.
The Engagement Banking Platform / 30

Banking transformation

Polyglot architecture:
maximum flexibility Event Bus

Event bus abstractions/interface

Polyglot back-end
Azure Event
RabbitMQ
Adopt a containerized approach to deploy Service brokers
components for system integration, data
sharing, and bespoke microservice software
development. Leverage the strengths of different
frameworks, enhance developer productivity,
optimize performance, and enable flexible, modular Severless Severless
development. Function Function
NodeJS, Python, Java,
Go... C#...
The Engagement Banking Platform / 31

Banking transformation

Polyglot architecture:
maximum flexibility
Key Value Document Store
Polyglot ecosystem & infrastructure

Ensure seamless interoperability across diverse

infrastructural components in a polyglot setting. No User
Price check User profile Segmentation
password
universal solution exists: choose the best persistence
layers and runtime engines to suit your specific
banking needs. Opt for document-based storage,
non-relational databases, or distributed key-value Column Family Relational DBs Data Lakehouse
systems. Use event-based communication or
integrate serverless functions for highly scalable
small tasks. User
Transaction Logs
behaviour
The Engagement Banking Platform / 32

Banking transformation

Turbocharge your Digital Factory

The Backbase platform is the “construction site” for digital transformation. On top of the platform, you work with your
own cross-functional teams that are dedicated to change-the-business projects. All your teams leverage the same
industrialized platform capabilities, including reusable building blocks and repeatable processes, to build tailored
journeys and value propositions for your key client segments. The secret to the Digital Factory’s success?
Small teams, working closely with the business side, function as a start-up accelerator and help your bank to rapidly
modernize its customer journeys.

Design authority: functional and technology

Onboarding Servicing Lending Investing Business

Product Owner

Journey teams
Business + technology

IT
Tech Lead
Developer QA
Platform ∂ ∂ ∂ ∂ ∂ ∂ ∂ ∂
Industrialized and
composable fabric ∂ ∂ ∂ ∂ ∂ ∂ ∂ ∂
The Engagement Banking Platform / 33

Banking transformation

Legacy stack
Reallocate budget
from “run” to “change” Low
Business innovation

The Backbase platform enables your bank to progressively Minimal

modernize its IT stack. By eliminating the burden of Incremental changes
maintaining outdated, bespoke systems and processes,
we empower you to shift your focus back to innovation.
You can even reallocate these cost savings to fund
modernization efforts that drive innovation, enhance
customer experiences, and boost the bank's competitive
position in the market.

Disproportionate
Legacy maintenance

CURRENT
The Engagement Banking Platform / 34

Banking transformation

Engagement Banking Platform

Reallocate budget
from “run” to “change”
The Backbase platform enables your bank to progressively Significant
modernize its IT stack. By eliminating the burden of Business innovation
maintaining outdated, bespoke systems and processes,
we empower you to shift your focus back to innovation.
You can even reallocate these cost savings to fund
modernization efforts that drive innovation, enhance
customer experiences, and boost the bank's competitive Increased
position in the market. Incremental changes

Reduced
Legacy maintenance

FUTURE
The Engagement Banking Platform / 35

Deployment options

 Backbase-as-a-Service

 All hosting options supported

Learn how it works 

The Engagement Banking Platform / 36

Deployment options

Backbase-as- €5.06m

a-Service Unplanned downtime €166k

42%
Business agility costs €1.3m
Our single code-base, continuous delivery Productivity & revenue lower cost
operating model ensures your customers losses
€2.9m
are always on the most recent version,
removing the burden and the cost of
maintaining multiple versions of the
software. This allows you more time for
innovation and focusing on building what IT costs €3.4m
Personnel, training,
you need. turnover

Learn more 

Self-managed Backbase
public cloud hosting Managed Hosting

Source: Backbase Value Consulting, YEAR 1-5

The Engagement Banking Platform / 37

Deployment options

All hosting
options
supported
No more vendor lock-in — deploy our
platform on the infrastructure of your
choice. Backbase supports different Private Public
hosting options from public cloud to cloud cloud
private, hybrid, container, community,
and on-premise deployments. Discover
our wealth of success in different cloud
Deployment
environments. On-premise Backbase-as-a-Service
options

Cloud deployment 
The Engagement Banking Platform / 38

By developers, for developers

Developer experience matters. We offer detailed documentation, tools,
training and personalized support so your teams can explore and learn.

Developer Resources
 Secure your customer data by taking authentication to the
next level. Generate unique authentication codes through at
least two independent factors and a mix of either possession,
inherence, and knowledge. Unlock biometric recalls across
all digital channels with device enrollment for public key
regeneration.

Explore Developer Hub 

Backbase.io
 Get access to all the tools, guides, and resources you need
to get the most out of your Backbase products. Explore our
entire library of product information, as well as the developer
platform, documentation, design systems, marketplace, and
more.

Explore Backbase.io 
The Engagement Banking Platform / 39

Taking the next step

Every digital transformation is unique, and that means one-size-fits-all approaches just don’t cut it.
At Backbase, we’re committed to giving your bank the resources you need to succeed, so take a look today
and jumpstart your tech modernization journey.

Select your bank’s Make the best “buy Keep up with the
ideal digital plus build” decision latest trends in
transformation for your bank banking technology
strategy
Visit the blog 

Explore our product

library, developer
platform, and more
Read the guide  Read the guide  Visit Backbase.io 
About Backbase
Backbase is on a mission to re-architect banking around the customer. Industry analysts Forrester, Gartner, Celent, Omdia, and IDC continuously recognize
Backbase’s category leadership position. Over 150 financials around the world have
We created the Backbase Engagement Banking Platform — a unified platform with embraced the Backbase Engagement Banking Platform - including Advanzia, Banco
the customer at the center, helping banks orchestrate seamless journeys across every Caja Social, Banco de la Nación Perú, Bank of the Philippine Islands, Citizens Bank,
stage of the customer lifecycle. ENT Credit Union, Greater Bank, HDFC, Judo Bank, KeyBank, National Bank of Bahrain,
Navy Federal Credit Union, Natwest, Raiffeisen, SchoolsFirst Federal Credit Union,
We make it simple for banks to orchestrate seamless customer journeys, all on a Standard Bank, Société Générale, TPBank, Washington State Employee Credit Union
unified platform. From customer onboarding, to customer servicing, customer loyalty and Wildfire Credit Union.
and loan origination, we help financial institutions surpass customers’ expectations in
every phase of the customer lifecycle. Built from the ground up with the customer at Backbase is a privately owned fintech company, founded in 2003 in Amsterdam (global
the heart, our Engagement Banking Platform easily plugs into existing core banking HQ), with regional offices in Atlanta (Americas HQ), New York, Boise, Mexico City,
systems and comes pre-integrated with the latest fintechs so financial institutions can Toronto, London, Cardiff, Dubai, Kraków, Singapore, and Sydney.
innovate at scale.

Americas HQ European HQ Regional Office Italy Regional Office Toronto

1201 Peachtree St NE Oosterdokstraat 114, Bastioni di Porta Nuova, iQ Offices 150 King St W #319
Ste 900, Atlanta, GA 30361 1013 BH, Amsterdam 21 20121 Milano MI ON M5H 1J9
United States of America The Netherlands Italy United States of America
[email protected] [email protected] [email protected] [email protected]

Regional Office Boise Regional Office London Regional Office Dubai Regional Office Cardiff
US Bank Plaza, 101 S Capitol Blvd. Second floor, 3 Sutton Lane Marina Plaza, Level 27 Ground Floor, The Bounded Warehouse,
Suite 1750 Boise, ID 83702 London, EC1M 5PU Dubai Marina – Dubai Atlantic Wharf, Cardiff, CF10 4HE
United States of America United Kingdom United Arab Emirates United Kingdom
[email protected] [email protected] [email protected] [email protected]

Regional Office Riyadh Regional Office Mexico City Regional Office Sydney Regional Office Singapore
Al Faisaliah Tower, Blvd. Miguel de Cervantes Level 14, 5 Martin Place 18 Cross Street Exchange #02-101
Level 18, King Fahad Highway Saavedra 169 Granada, Miguel Sydney, NSW, 2000 Singapore S048423
Riyadh, Saudi Arabia Hidalgo 11520 CDMX, Mexico Australia [email protected]
[email protected] [email protected] [email protected]

backbase.com