This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.
We prioritize improving the digital experiences of our clients, advisers and employees in financial institutions.
We carry out consulting and implementation of banking solutions for any kind of products: Checking accounts (DDA), Savings accounts (time deposits, certificates, retirement, etc.), Loan accounts, Mortgage accounts, Card Management among others.
Our methodology seeks to create lasting experiences over time that focus on our clients so that they highlight their differential value.
Core Engine
Our Core Engine solution provides:
Smart contracts
Smart contracts with a easy-to-use code to develop any financial product.
Product Library
We provide a complete range of financial products already created such as: checking accounts, deposits, loans, mortgages and credit cards.
Simulation
It will be possible to simulate the performance of any financial product before its launch. This makes it possible to accurately show the future performance of all products in any period of time.
Product SDK
Our simple and easy SDK allows banks to build, test and manage their product portfolio, with a great developer experience. With this, banks can build, launch and maintain products faster and at lower cost than ever before.
Data Ledger
Our Data Ledger solution provides:
Ledger connectivity
Our real-time ledger is always available and accessible, enriched data is streamed via our streaming API. It is designed to support any bank and any product, as well as powerful real-time reporting capabilities.
API
All of the platform’s functionality and data is exposed through a standard set of APIs that enable unparalleled levels of control and granularity, real-time access to information in the Ledger, and ease of integration with other world-class technology providers.
Cloud Hosting
Our Cloud Hosting solution provides:
Hosting options
We offer any deployment option, including software as a service, private and public cloud hosted bank, and hybrid deployment.
– SaaS
Our SaaS implementation eliminates most of the administration overhead associated with managing cloud infrastructure. Deploying the platform as a SaaS is a popular option for agile banks and fintechs
– Hosted bank
Public cloud deployments are supported by Azure, AWS, GCP, and IBM, and other cloud providers can be easily added. Hybrid cloud deployments allow sensitive data to remain within a private cloud while the rest of the solution is hosted in a public cloud.
Private cloud deployments are possible using Red Hat OpenShift in conjunction with AWS Outposts, Azure Stack, or Google Anthos.
Microservices architecture
Our platform’s microservices architecture is built from the ground up to take full advantage of native cloud computing, enabling banks to have an elastic, highly available and flexible core banking system that scales with load.
Operational resilience
Our platform is deployed across multiple data centers in an active-active configuration, making it resilient to failures. This allows problems to be recovered without interruption for the bank’s customers.
Retail Banking
Our Retail Banking solution provides:
Multichannel
Depending on business needs, banks have the freedom to deliver retail banking experiences across any channel: branch, web, native mobile apps, and wearable devices.
Open architecture
Our platform is core and cloud agnostic, providing a high level of flexibility thanks to open and layered architecture.
Go-to-market
API-driven microservices allow you to separate distribution from manufacturing, increasing agility and speeding time-to-market for applications built by financial institutions themselves.
Growth acceleration
Our solution accelerates business growth, allowing you to quickly onboard customers, drive your product growth, and increase your revenue by capitalizing on new market opportunities.
AI and data analysis
Using personalized data and artificial intelligence capabilities, you take customer engagement to the next level and empower your customers’ decision-making with relevant insights and suggestions.
Backbase
One platform, for all business and product business and product lines.
Backbase is designed to help you secure the future of your bank by integrating all your business and product lines into a single solution.
With it, you can unify all your commercial channels to deliver an exceptional customer experience, and ensure that your customers stay with you for a long time.
• Personal Banking
We offer an exceptional banking platform that easily connects to leading banking systems, integrates the latest financial technologies and provides out-of-the-box features that you can adopt and customize to your needs
• Corporate Banking
We empower businesses with banking apps that cover everything from bill payments to payroll, loan applications and cash flow forecasting.
• Investment Banking & Wealth Management
Captivate today’s self-starting investors with an app that makes it easy to keep track of finances, invest money and get advice. Backbase meets today’s demands for digital convenience with a personal touch.
thought machine
The foundation of modern banking
Vault Core and Vault Payments are trusted and deployed by the world’s leading banks. Core banking and payments technology built natively for the cloud.
• Universal Product Engine
Vault Core enables banks to replicate their existing product portfolio and create new ones, such as checking and savings accounts, loans and mortgages. In addition, they can launch and run products that are not normally managed from the core, such as credit cards.
• Real-time ledger
The platform has a real-time, always-on general ledger that provides full control over data management, with strict separation between product management and the underlying general ledger. This allows banks to modify and launch products while maintaining a common code base across all banks.
• Universal cloud hosting
Migrating to the cloud with Vault Core gives banks the ability to run their services more efficiently, reduce capital expenditure on hardware and achieve a significant reduction in their carbon footprint.
• Configuration and integration
The platform is based on an API-first architecture that allows banks to easily connect to third-party services and technologies, making it easy to configure and integrate with other systems and solutions.
We work with a platform that gives our clients full control to make and build what they require. The world’s largest banks have already implemented this technology
01. Core Engine
Banks will now be able to run any product they want, from creating exact replicas of a portfolio of products to creating entirely new ones (including checking and savings accounts, loans and mortgages).
They will also be able to launch and run products that are not normally managed from the core, such as credit cards. We have a Product Library with more than 200 preconfigured financial products such as: buy now and pay later offers, a combination of debit and credit cards and offset mortgages.
02. Data Ledger
This service gives banks full control over data management. There is a strict separation between product management and the underlying Ledger, this gives banks the ability to modify and release products while maintaining a common code base across all banks
All data is streamed in and out of the ledger in real time, providing rich data streaming for AI and reporting.
Ledger can manage sophisticated lines of funds in any asset and denomination, and banks can manage anything from international currencies to crypto to reward points.
03. Cloud Hosting
We provide cloud-native technology, contain no legacy code, and use state-of-the-art cloud infrastructure, practices, and tools, enabling banks to have the highest level of operational resiliency.
Banks can choose our software as a service or can deploy it themselves in public, private and hybrid environments. Our platform runs on the leading cloud infrastructure providers: Amazon Web Services, Google Cloud Platform, and Microsoft Azure.
Moving to the cloud gives banks the ability to run their services more efficiently, achieving better cost-to-revenue ratios, reducing capex for on-premises hardware, and achieving a significant reduction in their carbon footprint.
04. Retail Banking
We take the complexity out of everyday banking and put people in control of their finances.Our solution provides a complete digital platform for retail banks that covers the entire customer lifecycle, from customer onboarding, account opening, and digital service. Deliver exceptional digital apps and customer experiences across all channels, including mobile, web, and wearables.
Learn moreStrategic Banking Partners
We complement and enhance our banking solutions by partnering with industry leaders:
Backbase has developed the Engaged Banking platform with customer-centric banking architecture in mind, giving banks a way to get closer to their customers than ever before. Empowering the entire customer lifecycle, moving faster than the competition and creating 10x better banking experiences, our Engaged Banking platform provides users with instant and seamless experiences that simplify every aspect of their daily lives, including their finances.
Learn more
Creator of the Vault Core solution, a modern fourth-generation Core Banking platform built natively for the cloud. The world’s leading banks already rely on and deploy Vault Core, allowing them to have full control where the customer can develop and build what they need according to their needs.
Learn more