Backbase: AI-powered banking infrastructure

2026 will be the year when AI moves from promise to performance in banking. Institutions that embed agentic assistants, workflow automation, and AI-driven compliance will convert hype into measurable ROI.

Backbase, The 2026 Banking Predictions Report

Building AI into banking's foundation

Backbase has embedded AI directly into its Banking OS, moving beyond pilots to production-grade capabilities. The platform now powers over 100 banks globally with AI infrastructure that delivers measurable outcomes across personalization, customer service, and integration.

The company’s approach focuses on three core areas:

• Personalization at scale: The Customer Lifetime Orchestrator uses machine learning to generate individualized engagement plans, analyzing behavior patterns to create segment-of-one experiences that drive activation and reduce churn.
• Banking agents that execute: Over25 AI agents handle actual banking operations through conversation—from Financial Coach for spending analysis to Dispute Management and Lending Policy agents. Multi-step workflows now happen through simple interaction.
• Accelerated integration: ConnectorStudio uses AI agents trained on 100+ bank integrations to automatically map schemas between APIs, reducing integration time by 80% and cutting timelines from months to weeks.

AI-driven implementations are already cutting onboarding times by half, with the platform enabling banks to deploy intelligent experiences without waiting for complete digital transformation

Read more: The 2026 Banking Predictions Report

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