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A unified platform for retail, SME and corporate banking that orchestrates customer journeys across all touchpoints. Offers ready-to-go banking apps, customer onboarding, account servicing, and money management capabilities in a modular architecture.
Online and mobile banking applications that allow customers to access their accounts, make transactions, and manage their finances remotely.
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Mobile App Availability Whether the platform offers a dedicated mobile application for iOS and Android devices |
Backbase offers native mobile apps for iOS and Android as part of its engagement banking platform. | |
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Responsive Web Design Whether the web platform automatically adjusts to different screen sizes and devices |
Backbase emphasizes responsive, omni-channel user experience available on any device. | |
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Biometric Authentication Support for fingerprint, facial recognition, or other biometric login methods |
Biometric authentication (fingerprint, facial recognition) is supported in Backbase mobile banking apps, as per documentation and client mobile app examples. | |
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UI Customization Ability for users to personalize their dashboard, widgets, and interface elements |
Backbase supports customizable dashboards; users and institutions can personalize the interface. | |
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Accessibility Compliance Adherence to WCAG or similar accessibility standards for users with disabilities |
Backbase adheres to accessibility standards (WCAG) for its front-end components. | |
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Dark Mode Support Option for users to switch to a dark color scheme to reduce eye strain |
The platform offers dark mode support as a front-end theming option. | |
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Multi-language Support Number of languages available for users to interact with the platform |
No information available | |
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Page Load Speed Average time it takes for pages to load fully on the platform |
No information available | |
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Single Sign-On (SSO) Ability to use one set of login credentials across multiple services or platforms |
Backbase supports SSO integrations using SAML, OAuth, etc. | |
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Push Notifications Support for sending real-time alerts to users' devices |
Push notifications are available via the mobile SDK. | |
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In-app Chat Support Live chat functionality for customer service directly within the platform |
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Voice Banking Integration Integration with voice assistants like Alexa, Google Assistant, or Siri |
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User Satisfaction Score Average rating from user feedback on experience and usability |
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Real-time Balance Updates Whether account balances are updated in real-time as transactions occur |
Real-time transaction updates and balances are standard in the platform's reference implementations. | |
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Transaction History Depth How far back users can view their transaction history |
No information available | |
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Transaction Search Ability to search through past transactions using various filters |
The platform offers transaction search and filtering as part of digital banking UX. | |
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Transaction Categorization Automatic categorization of transactions (e.g., groceries, utilities) |
Automatic transaction categorization is supported in the money management module. | |
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Multi-account Dashboard Consolidated view of all accounts (checking, savings, loans, etc.) in one interface |
Multi-account overview is a core dashboard feature. | |
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Account Nickname Customization Ability for users to rename accounts with personalized labels |
Users can add custom labels to accounts. | |
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Statement Generation Ability to generate and download account statements for specific periods |
PDF statement generation and downloads are included. | |
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Tax Document Access Availability of tax-related documents (e.g., 1099-INT) within the platform |
Integration for delivery of tax documents is supported in the digital banking back-office. | |
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Account Closure Self-service functionality to close accounts without visiting a branch |
Customers can request and process account closure digitally (subject to bank policy). | |
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Account Alerts Customizable notifications for account activities (e.g., low balance) |
Customizable account and security alerts are part of the notification system. | |
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External Account Linking Ability to connect and view accounts from other financial institutions |
External account aggregation and linking are available via connectors with Plaid, Tink, or Open Banking APIs. | |
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Account Opening Ability to open new accounts entirely through the digital platform |
Full digital self-service account opening flows are offered. |
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Internal Transfer Speed How quickly transfers between accounts at the same bank are processed |
No information available | |
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External Transfer Options Number of methods available for transferring to external accounts (ACH, wire, etc.) |
No information available | |
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Bill Pay Service Functionality to schedule and manage payments to service providers and billers |
Bill payment and management are available features out of the box. | |
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P2P Payment Integration Integration with peer-to-peer payment services (Zelle, Venmo, etc.) |
The platform integrates with P2P services such as Zelle, Venmo, based on FI's preference. | |
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Recurring Transfers Ability to set up automatic, repeating transfers between accounts |
Recurring transfer/scheduled payment flows are available. | |
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Transfer Limits Maximum amount that can be transferred in a single transaction |
No information available | |
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International Wire Support Ability to initiate and track international wire transfers |
International wire capabilities are available for FIs that support them. | |
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Real-time Payments Support for instant payment networks like RTP or FedNow |
Backbase supports instant payments and can integrate with RTP/FedNow systems where available. | |
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QR Code Payments Support for generating or scanning QR codes to initiate payments |
QR code based payment is supported as an option in the mobile app modules. | |
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Mobile Check Deposit Functionality to deposit checks by taking photos with a mobile device |
Mobile check deposit is a supported feature in the mobile SDK for customers in markets where it is supported. | |
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Bill Payment Reminders Proactive notifications about upcoming bill payments |
Automated bill payment reminders are standard via notifications. | |
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Transfer Templates Ability to save transfer details for frequent transactions |
Transfer templates (saved beneficiaries/templates) offered in commercial and retail workflows. | |
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Payment Status Tracking Ability to track the status of payments and transfers in real-time |
Payment and transfer transaction status tracking (e.g., pending, completed) available. |
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Multi-factor Authentication Requiring multiple forms of verification before granting account access |
Multi-factor authentication supported, with 2FA and additional options. | |
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Encryption Level Strength of encryption used to protect data (e.g., 128-bit, 256-bit) |
No information available | |
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Automatic Session Timeout Whether the system automatically logs users out after a period of inactivity |
Automatic session timeouts are supported and configurable. | |
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Device Recognition System can identify and flag logins from new or unrecognized devices |
Device fingerprinting/recognition is part of the security stack. | |
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Fraud Monitoring Active monitoring systems that detect and flag suspicious activities |
Active behavioral fraud and anomaly monitoring systems can be enabled. | |
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Transaction Verification Secondary verification required for high-risk or unusual transactions |
Two-step verification is supported for high-risk or unusual transactions. | |
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Card Controls Ability to freeze/unfreeze cards, set usage limits, or restrict geographical usage |
Card controls (freeze/unfreeze, limit setting, geo-blocking) available where product is implemented. | |
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Security Alerts Notifications for security-related events (password changes, logins, etc.) |
Security event notifications are part of the alerts suite. | |
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Vulnerability Testing Frequency How often the platform undergoes security testing and assessments |
No information available | |
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Fraud Guarantee Financial protection offered to customers in case of fraudulent transactions |
No information available | |
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Privacy Controls User options to control data sharing and privacy preferences |
User-controllable privacy settings and GDPR/CCPA compliance tools provided. | |
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IP Blocking Ability to block access from suspicious IP addresses or regions |
No information available | |
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Compliance Certifications Number of security and compliance certifications held (PCI DSS, ISO 27001, etc.) |
No information available |
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Spending Analysis Tools that analyze and visualize spending patterns across categories |
Spending analysis and visualization is part of the money management/fintech/engagement layer. | |
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Budgeting Tools Features that help users create and monitor budgets |
Budgeting suite included in retail banking templates and modules. | |
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Financial Goal Setting Ability to set and track progress toward financial goals |
Financial goal setting/tracking included in money management module. | |
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Net Worth Tracking Calculation and visualization of overall financial position |
Net worth tracking is available for consolidated view dashboards with external data integration. | |
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Cash Flow Forecasting Prediction of future account balances based on recurring transactions |
Cash flow forecasting is part of advanced PFM/analytics modules. | |
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Automated Savings Tools that automatically move money to savings based on rules or AI |
Automated savings features can be enabled by FI via rules/AI automation. | |
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Investment Tracking Ability to monitor investment performance within the platform |
Investment account aggregation and tracking modules are available for institutions that offer them. | |
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Financial Health Score Personalized scoring system to assess overall financial wellbeing |
Financial health scoring available depending on implementation. | |
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Debt Payoff Planning Tools to create and optimize strategies for debt reduction |
Debt payoff/calculator tools included in money management modules. | |
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Bill Negotiation Services Features that help users identify and reduce recurring expenses |
Recurring bill detection and negotiation via aggregation/data analytics in PFM. | |
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Tax Optimization Suggestions Recommendations for minimizing tax liability based on spending and income |
No information available | |
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Financial Education Content Availability of educational resources about financial topics |
Financial education content (personalized, articles, video) is available as part of customer engagement tools. | |
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Subscription Tracking Identification and management of recurring subscription payments |
Subscription tracking present in advanced PFM tools. | |
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Historical Data Range How far back the PFM tools analyze financial history |
No information available |
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Credit Score Access Free access to credit score information within the platform |
Free credit score access is available via integration with bureaus, subject to regional availability. | |
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Credit Score Simulator Tools that show how different actions might affect credit scores |
Platform supports bringing in credit score simulation tools if included by FI. | |
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Loan Application Process Ability to apply for loans entirely through the digital platform |
Loan origination flows are fully digital and available as standard modules. | |
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Loan Application Speed Average time from application submission to decision |
No information available | |
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Pre-qualification Tools Features that assess eligibility for products without affecting credit score |
Pre-qualification/soft-eligibility flows are available as configurable modules. | |
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Loan Management Tools to view, manage, and make extra payments on existing loans |
Loan management (repayments, summary, early payoff) is part of back-end/front-end modules. | |
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Credit Card Management Specialized tools for managing credit card accounts and rewards |
Credit card management, including rewards, statement, and payment scheduling, is supported. | |
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Interest Rate Comparison Features that compare available interest rates across products |
Interest rate comparison widgets can be included in front-end templates. | |
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Debt Consolidation Tools Resources to help combine multiple debts into a single loan |
Debt consolidation advice and tool flows can be implemented using available modules. | |
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Automatic Payment Options Setup for automatic loan or credit card payments |
Automatic payment (autopay) for loans and cards is a standard feature. | |
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Credit Limit Increase Requests Self-service tools to request higher limits on credit products |
Self-service tools to request credit limit increases are available (subject to FI risk policies). | |
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Personalized Loan Offers Customized lending offers based on the customer's financial profile |
Personalized loan offers are displayed based on customer profile and eligibility. | |
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BNPL Integration Integration with Buy Now, Pay Later services for purchases |
Buy Now, Pay Later integration is available for retail banking use cases. |
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In-app Chat Support Live chat functionality directly within the platform |
In-app chat support is a reference/live option in the banking client. | |
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AI Chatbot Assistance Automated conversational interface for answering questions and solving issues |
AI chatbot support (conversational interface) integratable via platform modules. | |
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Video Banking Ability to video conference with bank representatives |
Video banking module (video call scheduling and hosting with representatives) is supported. | |
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Co-browsing Support Feature allowing support staff to see and navigate the customer's screen |
Co-browsing/live assistance for customer agents is an available enterprise module. | |
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Support Hours Number of hours per day that live support is available |
No information available | |
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Self-service Knowledge Base Searchable repository of help articles and guides |
Self-service knowledge base/in-app help center available. | |
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Branch/ATM Locator Tools to find nearby physical banking locations |
Branch and ATM locator UI widgets available. | |
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Appointment Scheduling Ability to schedule in-person or virtual meetings with bank staff |
Appointment scheduling can be implemented for in-branch or virtual meetings. | |
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Feedback Mechanisms Tools for customers to provide input on the banking experience |
Customer feedback modules are embedded in digital banking flows. | |
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Support Request Tracking System for monitoring the status of customer service inquiries |
Customers can view and track the status of their support tickets. | |
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Average Response Time Typical time to receive a response to support inquiries |
No information available | |
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Call-back Options Feature allowing customers to request a call rather than waiting on hold |
Call-back request options are available as part of virtual branch or service modules. | |
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Social Media Support Customer service available through social media channels |
Social media support responses can be tracked and handled in integrated CRM solutions. |
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Open Banking API Availability of APIs that allow third-party developers to build on the platform |
Open banking APIs are available for third-party developer access. | |
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External Account Aggregation Ability to pull in data from accounts at other financial institutions |
The platform supports external account aggregation via Open APIs or via Plaid/Yodlee, depending on country. | |
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Number of API Endpoints Quantity of different API services available for integration |
No information available | |
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Digital Wallet Integration Support for Apple Pay, Google Pay, Samsung Pay, etc. |
Apple Pay, Google Pay and other wallet integrations are standard in the mobile app SDK. | |
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Personal Finance App Connectivity Direct integration with budgeting and financial planning apps |
Direct connectivity to financial planning and budgeting apps through open APIs. | |
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Accounting Software Integration Ability to connect with QuickBooks, Xero, or other accounting systems |
Can connect to accounting software through API connectors. | |
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eCommerce Platform Integration Built-in connections to online shopping and payment platforms |
eCommerce integration modules available for business banking clients. | |
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Wearable Device Support Banking functionality on smartwatches or other wearable technology |
Wearable device (smartwatch) support is available. | |
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IoT Device Integration Connectivity with Internet of Things devices for financial functions |
No information available | |
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Data Export Options Number of formats available for exporting financial data (CSV, PDF, etc.) |
No information available | |
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Tax Software Integration Direct connection to tax preparation software |
Direct integration with major tax prep software such as Intuit and others can be enabled. | |
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Developer Sandbox Testing environment for developers building on the platform |
Developer sandbox environment available for API and ecosystem experimentation. | |
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Webhook Support Ability to trigger automated actions in other systems based on banking events |
Webhook/event-driven integration available for real-time use cases. |
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Personalized Insights AI-generated observations about spending patterns and financial behavior |
Personalized insights into spending, savings, and recommendations powered by AI analytics are part of the engagement module. | |
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Product Recommendations Personalized suggestions for financial products based on user profile |
Product recommendations and cross-sell modules are available based on user behavior and profile. | |
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Predictive Cash Flow AI forecasting of future account balances based on historical patterns |
Predictive cash flow AI modules are optionally available. | |
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Smart Savings Features AI-driven tools that automatically optimize savings based on spending patterns |
Smart savings recommendation and automation offered as a money management feature. | |
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Voice Banking Assistant Natural language processing capabilities for voice-based banking |
Voice banking assistant enabled via integration with Alexa, Google Assistant and mobile voice SDKs. | |
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Personalized Interface Dynamic UI that adapts based on user behavior and preferences |
Personalized user interfaces adapt based on user preferences and usage patterns. | |
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Financial Habit Recognition AI identification of patterns in financial behavior |
AI-powered behavioral analytics and financial habit recognition included in analytics modules. | |
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Anomaly Detection AI systems that identify unusual transactions or patterns |
Advanced anomaly detection (e.g., fraud risk, unusual transactions) can be enabled. | |
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Smart Notification System Contextual alerts based on user behavior and preferences |
Smart notification system provides contextual alerts to users. | |
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Behavioral Analytics Capabilities Advanced analysis of user interactions to improve experience |
Behavioral analytics are available for continuous improvement and personalization. | |
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Custom Financial Advice Personalized financial guidance based on individual circumstances |
Personalized financial advice is provided via AI and configurable rule-based systems. | |
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Life Event Detection AI recognition of major life changes from transaction patterns |
Major life event detection (e.g., change of job, major payments) is part of advanced AI analytics. | |
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Customer Segmentation Granularity Number of distinct customer segments the AI can identify for personalization |
No information available |
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System Uptime Percentage of time the platform is operational and available |
No information available | |
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System Response Time Average time for the system to respond to user requests |
No information available | |
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Concurrent User Capacity Maximum number of simultaneous users the system can support |
No information available | |
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Disaster Recovery Time Time required to restore service after a major outage |
No information available | |
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Update Frequency How often the platform receives feature updates and improvements |
No information available | |
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Backward Compatibility Whether updates maintain compatibility with older devices and OS versions |
Platform design supports backward compatibility for browser/OS support on front-end modules. | |
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Cloud-based Architecture Whether the platform uses cloud infrastructure versus on-premises |
Backbase is cloud-native, with multi-cloud and hybrid deployment options. | |
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Multi-region Deployment Platform operation across multiple geographic regions for redundancy |
Multi-region deployment is supported for high-availability and disaster recovery. | |
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Microservices Architecture Use of modular, independently deployable services |
Uses microservices-based architecture for modular deployments. | |
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Database Performance Speed of database queries and transactions |
No information available | |
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API Rate Limits Maximum number of API calls allowed per minute |
No information available | |
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Monitoring Coverage Percentage of system components under active monitoring |
No information available | |
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Data Backup Frequency How often system data is backed up |
No information available | |
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Automated Testing Coverage Percentage of codebase covered by automated tests |
No information available |
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