Backbase for

Retail Banking

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Backbase
Omni-Channel
Digital Banking
Platform
We help Financial Institutions transform their
current banking offering into modern digital
experiences, which boost engagement and
ensure lasting relationships with their clients.
We integrate these applications into our
omni-channel digital banking platform for
a perfect integration. Get on board and
stay ahead of your customers.
Content:
01 _ Delight your customers
02 _ Empower your business teams
03 _ Accelerate your IT development
04 _ About Backbase and why we are a leader
in omni-channel banking.
Retail Banking 00_Introduction
Delight your
customers
Move your digital banking capabilities to the next level. Backbase offers a one-stop
shop for building, running, managing, and optimizing digital banking apps using state-
of-the-art technology. Make the most of every customer interaction. Create personalized,
cross-channel customer journeys that deliver exceptional brand experiences across
all digital touchpoints.
Empower
Widgets
your business
Mobile SDK
Experience Services
teams
The inherent value of the Backbase platform is that it brings
Banking Services IT and the business together, enabling more rapid and agile
collaboration models. Content updates and targeted sales
campaigns can be created in hours and can go live immediately.
Origination Services
Onboarding and self-service apps can be rapidly built, seamlessly
deployed and easily changed, all without the need for deep
Cloud coding. Backbase empowers agile teams to innovate at the
speed of digital.
Accelerate your
IT development
Many banks seek the flexibility to customize their apps to their unique needs. Backbase
offers the fastest way to customize and extend your banking apps. By streamlining the
app-building process – including giving you the basic building blocks so you never have
to start from scratch – Backbase gives you the agility to create tailor-made experiences
and take the lead in the digital banking revolution.
 Delight your
customers
Move your digital banking capabilities to the next level. Backbase offers a one-stop
shop for building, running, managing, and optimizing digital banking apps using state-
of-the-art technology. Make the most of every customer interaction. Create person-
alized, cross-channel customer journeys that deliver exceptional brand experiences
across all digital touchpoints.
My money dashboard
This enables you to create your own unique dashboards
based on a set of widgets, which can be combined in a
number of ways to target different customer segments.
This will help you offer an exceptional and personal user
experience, and will enhance your brand in the eyes of
your customer.

• Create beautiful ‘My Money Dashboards’,

targeted at different customer segments.

• Total end-customer control: the power to add

new widgets, remove unwanted widgets, plus
create customized dashboards with drag & drop
functionality.

Accounts and transactions • Widget catalog for storing and managing

existing and new apps.
With the ability to display all account balances, customers can see at a glance
• Personal preferences remembered for every
their complete financial situation. This enables them to dive into any transaction,
device so customers can easily navigate to their
with control over filter options and categorization. Categories allow customers personal dashboard, optimized for the relevant
to see spending trends and define budgets, so they can make informed choices device.
about their finances (see personal financial management for further information).

• Easily monitor balances of all • Track completed and pending

accounts: checking, savings, debit
and credit cards, personal and
mortgage loans, etc.
• Dive into transaction details
with strong filtering options,
integrated maps, plus tagging
and categorization tools.
transactions, including ATM visits,
debit card purchases and direct deposits.
• Custom grouping of accounts and shared
accounts between account holders.
• Ability to add external accounts
from other banks.

Retail Banking 01_Delight your Customers


Personal finance management
Provides the ability to infer spending trends across the customer’s
accounts, including external accounts. Allows customers to also plan
and manage their budgets and saving goals through a simple and
intuitive experience.
Easy customer
onboarding
Provides to new customers an easy enrollment process
allowing the financial institutions to shape their customer
experience since the very beginning. Ability to integrate with
several Know-Your-Customer services to expedite the process.
• Onboard new customers with easy to use enrollment process.

• Use mobile device to scan and upload key documents.

• Tightly integrated PFM functionality
at the heart of the banking experience.
• Multi-bank and credit card account
aggregation.
• Easy-to-use budgeting and spending
tools for financial insight.
• Expense tracking.
• Connect to Know-Your-Customer services (e.g. credit check, identity check).
• Show trends and spending patterns
over time.
• Track-&-Trace capabilities to inform the customer about status and next steps.
• Insight into total net worth, across
multiple banks in real-time.

Retail Banking 01_Delight your Customers

 Money movement
Collection of different money movement types which can be combined
to provide a unified customer experience. Provides not only the ability to
submit one time and recurring payments, but also the ability to manage
these payments from a centralized place.

• Intuitive money transfer tools that support multiple types of transfers,

from Person to Person and Account to Account payments.

• Both domestic payments, and international payments are supported.

• Support for scheduled and recurring payments.

• Integrates with social address books so customers can transfer money

securely to friends using email addresses or mobile phone numbers.

• Review tool to monitor pending and scheduled payments.

Deposits and loans

Provides a full overview of all deposits and loan agreements,
but also a simplified loan process and approval.

• View details of deposits and loan agreements.

• Check savings, credit card limit, loans and/or overdraft status, and interest
rates, and prioritise repayments with the ‘smart repayment’ feature.

• Simplify the application process for new loans.

Retail Banking 01_Delight your Customers

 Mobile check deposit
Card management
Accurately scans checks
Card management: allow users to
and transmit to the bank
manage their credit cards, including ATM / Branch locator
for posting and clearing.
request new cards, block cards and Clear map that is easy to navigate
change card limits. with and integrated with Google Maps.

Bill pay
Check and validate bills emailed
directly to the secure message
center for fast, secure payments.

Bill pay
• Option to receive eBills from
selected vendor.
• Check and validate bills emailed
directly to the secure message
center for fast, secure payments.
Message center
• Secure communication between
bank and customer.
• Easy integration with your customer
contact center or front-office
communication platform.
Mobile check deposit
• Use mobile device to accurately
scans checks and transmit to the
bank for posting and clearing.
• Easy integration with best of
breed / your local RDC providers.
Card management
• Card management: allow users to
manage their credit cards, including
request new cards, block cards and
change card limits.
Notifications & custom actions
• In app notifications (web and mobile).
• Outbound notifications such as push messages,
SMS, email alerts, and more.
• Option to create Custom Actions to receive alerts
or automate payments.

Personal profile Address book Secure access ATM / Branch locator

• Engage customers by allowing
them manage to their own
personal profile.
• Easy-to-update contact information
and communication preferences.
• Clear overview of purchased
products services, including
historical records.
• Integrated address book for fast,
easy payments.
• Seamlessly integrates with mobile
& social address books.
• Facilitate P2P payments via e-mail
address, mobile phone number,
or social profile details.
• Multilevel security model. • Display nearest ATMs and branch offices.
• Easy integration with multi-factor- • Receive relevant messages and offers
authentication (MFA). based on location.
• Ability to require step-up authen- • Ability to overlay all transactions on the map.
tication for high risk transactions.
• Option for soft-login via social login
(Facebook and Twitter).

Retail Banking 01_Delight your Customers

 Empower your
business teams
The inherent value of the Backbase platform is that it brings IT and Fully digitize your customer onboarding
business together, enabling more rapid and agile collaboration model. and product origination operations, and
Content updates and targeted sales campaigns can be created in achieve up to 80% cost and time savings.
hours and go live immediately. Onboarding and self-service apps
can be rapidly built, seamlessly deployed and easily changed, all
without the need for deep coding. Backbase empowers agile teams
to innovate at the speed of digital.

Experience manager Onboarding and origination

Backbase comes with fully integrated content management and targeted campaign
management capabilities, enabling digital marketers to easily edit web pages or mobile apps
and run targeted sales campaigns to increase online conversion and sales results.
Improving digital customer onboarding and origination is one of the most effective sales strategies for
banks and financial institutions wanting to improve engagement, share of wallet, retention and, ulti-
mately the lifetime value of a customer relationship. Backbase offers powerful software that
enables you to fully digitize your customer onboarding and product origination operations. With the
Backbase platform you can achieve up to 80% cost and time savings by automating the onboarding
process while minimizing manual paper handling and distribution.

Visual page Targeted Reusable widget Omni-channel forms Dynamic case

editor
• Easy-to-use in-context editing
capabilities to update content and
apps across marketing sites, secure
internet banking and mobile apps.
• Customizable workflows for verifica-
tion and publication rules.
• Reuse content and content assets
across all digital touchpoints.
• Easily reuse content from your
existing CMS.
campaigns
• Track customer behavior and
preferences and create targeted
cross- and upsell campaigns to
increase your share of wallet.
• Distribute campaigns across all
your digital touchpoints, including
internet and mobile banking apps
and third-party websites.
• Integrated analytics spanning all
channels, including regular web,
mobile apps, and tracking every
action, from page views to events.
catalog
• Backbase comes with an enterprise
widget catalog populated with
reusable widgets, templates,
connectors, plugins and complete
end-to-end banking apps.
• Create your own assets, add them to
the catalog, tailor to your needs, and
reuse them across multiple apps
and projects.
• Creating a new app becomes more
like visually “assembling” and
“orchestrating” the necessary
building blocks versus reinventing
the wheel each project.
• Design, manage and streamline all
your customer dialogs across
multiple channels (web, mobile,
call center and front-office).
• Streamline your onboarding and
self-service dialogs, all integrated
with your internal systems to enable
straight-through processing.
• Combine visual modeling with your
own custom code to deliver
high-quality applications at the
speed your business demands.
• Create beautiful and advanced UIs
that perform well on all digital touch-
points, mobile devices and the web.
management
• Backbase Dynamic Case Mana-
gement helps you simplify and
automate work. It brings together
the people and information needed
to get work done completely and
correctly throughout the entire
life cycle of a case.
• Use visual tools to quickly build an
executable model of your new
application, then elaborate on the
details in a unified model-driven
development platform.
• Built-in mobile and social capabili-
ties simplify collaboration through
any device and any channel.
• Communicate with legacy systems
using configurable connectors (e.g.,
Core Systems, CRM), open-stand-
ards-based protocols (such as SOAP,
REST), and the open Backbase API
gateway.

Retail Banking 02 _ Empower your Business Teams

 Accelerate your
IT development
Many banks seek the flexibility to customize their apps to
their unique needs. Backbase offers the fastest way to customize
and extend your banking apps. By streamlining the app-building
process – including giving you the basic building blocks so you
never have to start from scratch – Backbase gives you the agility
to create tailor-made experiences and take the lead in the digital
banking revolution.

Custom widget
development
• Open-standards-based widget
development (HTML, CSS,
JavaScript).
• Easy-to-assemble industrialized
UI building blocks.
• Predefined and extensible domain
models.
• Industrialized integration and
security patterns to communicate
with any back-end.
• Responsive and Adaptive UI
patterns.
Mobile SDK
• Create hybrid or fully native
mobile apps for Android and iOS.
• Mix and match HTML and native
UI elements in high-performance
runtime.
• Easy integration with third-party
mobile SDK’s.
• Bank-grade security and high-
performance runtime.
• Clearly defined extension points
with clean APIs.
Customer experience
services
• Robust enterprise security and
application integration platform.
• Modern micro-services-based
customer experience orchestration
architecture.
• Integrated content management
and personalization/targeting
services.
• Communication through simple,
universally accessible APIs.
• Classic deployment (servlet
container) and native cloud
deployment.
Digital banking
services
• Banking-as-a-platform built on
state-of-the-art micro-services
architecture.
• Highly scalable services for well-
defined and discrete tasks.
• API-based banking capabilities that
work seamlessly with existing core
banking systems.
• Modular and extensible architecture
that enables easy customization
to national and international
requirements and regulation.
• Classic deployment (servlet
container) and native cloud
deployment.
Onboarding
& origination
• Design and deploy smooth, cross-
channel onboarding processes on
any device.
• Low-code development platform
to define enrollment and origination
processes.
• Straight-through processing and
integrated Dynamic Case Mana-
gement capabilities.
• Create and manage your forms, and
the business logic behind them,
without hard-coding.
Open banking
marketplace
• More than 50 best-of-breed fintech
plugins for security, communica-
tions, PFM, artificial intelligence,
digital marketing, KYC and more.
• Easily mix and match services from
third-party fintech providers without
worrying about vendor lock-in or
being stuck with your core banking
system.
• Eliminate risk and save time by
finding the best tools that integrate
with Backbase, and increase your
team’s productivity and accelerate
your digital transformation.

Retail Banking 03 _ Accelerate your IT Development


Backbase Named a
Leader in the Forrester
Wave™ for Omni-Channel
Digital Banking
“Backbase offers broad business capabilities,
rich support of customer experience, and
very solid technology and architecture.
With Backbase being a pure-play vendor, it
is not a surprise that its commitment to its
omni-channel banking solution is high.”
Backbase was among a group of select vendors
that Forrester included in its most recent Wave
for Omni-Channel Digital Banking software.
The Backbase Digital Banking Platform is listed
as leader and received the highest score in the
Current Offering category. Being named a leader in
the Forrester Wave provides the market with further
validation of Backbase being at the forefront of digital
innovation. We are very happy with this recognition
and are energized to help our customers accelerate
their digital transformation. Our software is used
by leading banks around the world, and we are 100%
committed to enabling them to create superior
digital customer experiences, any time, any place,
and on any device.
Backbase Named a
Leader in the Ovum
Decision Matrix for digital
channel banking platforms
“Backbase hits the most important aspects of
digital channels, which are in demand for banks
looking for a very modern, agile, and neat solution.
Backbase allows a rapid time-to-market with its
responsive design approach to the digital channels.
With this solution banks are getting a number of
features that are well aligned with current trends in the
digital economy, not only allowing for efficient servicing
but also effective sales and marketing actions.”
Ovum Decision Matrix is emphasizing the importance of
developing an effective omni-channel banking strategy,
selecting a future proof digital banking platform and
taking into account the emergence of new technologies
- all in order to empower Banks to stay relevant to their
customers, improve their customer banking experience
and not lose out to digital challengers. The evaluation
criteria for the Ovum Decision Matrix includes market
impact, business functionality, and product execution -
across which Backbase scored exceptionally high. This
is the second time in a row that Backbase is nominated
within the Matrix as Market Leader.
About Backbase
Backbase is a fast growing fintech software provider
that empowers financial institutions to accelerate
their digital transformation and effectively compete
in a digital-first world.
We are the creators of the Backbase Omni-Channel
Banking Platform, a state-of-the-art digital banking
software solution that unifies data and functionality
from traditional core systems and new fintech players
into a seamless digital customer experience.
We give financials the speed and flexibility to create
and manage seamless customer experiences across
any device, and deliver measurable business results.
We believe that superior digital experiences are
essential to stay relevant, and our software enables
financials to rapidly grow their digital business.
More than 80 large financials around the world have
standardized on the Backbase platform to streamline
their digital self-service and online sales operations
across all digital touchpoints. Our customer base
includes ABN AMRO, Barclays, CheBanca!, Credit
Suisse, Fidelity, Hapoalim, HDFC, Hiscox, ING,
KeyBank, Legal & General, Al Rajhi Bank, NBAD,
OTP, PZU, PostFinance, Societe Generale de Banque
au Liban and Westpac.
Americas HQ
10 10th Street, Suite 325
Atlanta, GA 30309, United States
Toll-Free Number: +1 866 800 8996
Office Number: +1 470 881 8780
sales-us@backbase.com
Unit 5.00, 154 - 160 Fleet Street
London, EC4A 2DQ
United Kingdom
Phone: +44 20 3735 8437
Email: sales-eu@backbase.com
Industry analysts Gartner, Forrester and Ovum
recognize Backbase as an industry leader in terms
of omni-channel banking platform capabilities,
and award the company high marks for its deep
focus on customer experience management and
unparalleled speed of implementation. Forrester
named us a leader in the Forrester Wave for
Omni-Channel Banking.Ovum nominates Backbase
as the market leading provider of next-generation
digital channel banking platforms, from both a
functionality perspective and execution perspective.
Backbase was founded in 2003, is privately funded,
with headquarters in Amsterdam (HQ Global) and
Atlanta (HQ Americas) and regional operations in
London, Mumbai and Singapore.
European HQ
Jacob Bontiusplaats 9
1018 LL Amsterdam,
The Netherlands
Phone: +31 20 465 8888
sales-eu@backbase.com
3 Church Street
Level 25 Samsung Hub
Singapore 049483
Email: sales-eu@backbase.com
sales-eu@backbase.com