Solution overview

Backbase for
SME Banking

Finovate Trusted
best of show by brands worldwide
Contents

00 _ Introduction

01 _ Delight your Customers

02 _ Empower your Agile Delivery teams

03 _ Accelerate with the Backbase Digital

Banking Platform

04 _ About Backbase and why we are a leader

in omni-channel banking
 How the future
of SME banking
gets built
Delight your
Customers

Powerful forces are transforming the SME banking
Widgets industry. Technology is rapidly morphing from
a costly challenge into a potent enabler of both
Mobile SDK
customer experience and effective operations. We
invest in becoming software-driven in order to be
ready for the next decade. The inherent value of the
Backbase platform is it’s ability to bring IT and the
business together, enabling a faster and more agile

Experience Services
Empower your empower many leading banks around the world
to unleash innovation and achieve fast time-
collaboration model. Content updates and targeted
sales campaigns can be created in hours and go

Agile Delivery to-market for new digital initiatives. The results

are transformational, as they move towards a
live immediately. Onboarding and self-service apps
can be rapidly built, seamlessly deployed and easily
Banking Services

teams business model built on using software to engage

customers.
changed, all without the need for deep coding.

Origination Services Accelerate with the Backbase Digital

Delight your Customers
Cloud SME banking customers expect a 360º view of their
cash position, instantly available. They expect user-
friendly experiences across all channels, be they
digital (online banking, mobile apps) or physical
Banking Platform
The Backbase Platform is the proven solution for
banks that want to execute a software-led digital
transformation. It provides all the technology
building blocks you need to quickly customize

Accelerate with the (branches, ATMs, kiosks). Everything must come

together in smart, contextual interfaces and create
the Backbase Platform or create your own unique
digital capabilities.

Backbase Digital seamless customer journeys. Backbase offers a

one-stop-shop for building, running, managing, and Transform the way your bank operates and

Banking Platform optimizing digital banking apps using state-of-the-

art technology.
leverage the Backbase Platform to reshape your
industry.

Empower your Agile Delivery teams

In a software-driven world it’s essential to be able to
innovate at startup speed. Forward looking banks

SME Banking 00 _ Introduction

Seamless Experiences, Delivered
 4 Eric Adams
A
New payment EA Backba
ase Europe B.V.

Main
Dashboard Total balance: 1.245.723,40 EUR 

Delight your
Dashboard
Favourite accounts (7)
Accounts

Account Statements
Current account Backbase PS current Backbase R&D Events & Travelling Expenses

Customers
account current account Conferences
Payments
21.500,00 EUR –94,57 EUR 1.500,00 EUR 100,00 EUR –345,07 EU
UR
Batch Payments LOW: 3.1k HIGH: 123k LOW: –2,3k HIGH: 5,6k LOW: –10,9k HIGH: 27,9k LOW: 50 HIGH: 5.1k LOW: –567 HIGH
H: 810

Transactions

Today’s SME bank must be a proactive advisor to its clients. Backbase

Personal

Authorizations 7

supports this capability, helping banks to merge silos and create insights that
 

Contacts Payment orders View all Latest transactions View all

Inbox 13
support customers in managing their cash. Forecasts, trends and data come
together on one smart interface, transforming the customer experience,
Stat. Exec. date From To Amount Booked date Your account Counterparty Amount
Your Bank
Today ABN Amro Busi… Hewlett-Packard 24.106.481,65 EUR 15:00, Today Current account Adobe Systems 1.290.141.222,86 USD
increasing confidence, and building loyalty.
N

A Today Treasury Acco… HSBC 9.609.989,17 USD 14:37, Today Travelling Expense… Coca-Cola 483.836.365,83 JPY
Advanced

N Today Liberte Bank Mitsubishi 90.651.652,67 EUR 13:12, Today Backbase PS curre… Heineken Brewery 64.054.365,57 CAD
Audit

A 29/06/18 Current CEO ex… Canon 90.141.222,86 USD 12:58, Today Travelling Expense… Starbucks 29.817.586,04 RUR
Actions

A 29/06/18 3 months depo… Vodafone 483.836.365,83 JPY 11:41, Today Events & Conferen… The Walt Disney Com… 168.172.036,07 AUD
Entitlements

P 29/06/18 Current COO ex… Home Depot 64.054.365,57 CAD 09:11, Today Current account Johnnie Walker 949.844.630,74 CHF
Cash Management

S 29/06/18 Short term vari… Mitsubishi 29.817.586,04 RUR 29/06/18 Backbase PS curre… Nissan Motor Co., Ltd. 98.064.612,32 EUR

P 28/06/18 Future (5 year)… Intel Corporation 168.172.036,07 AUD 29/06/18 Events & Conferen… Nintendo 8.845,55 AUD

P
28/06/18

28/06/18
Current CFO ex…

Backbase Euro…
Nintendo

Tiffany & Co.

949.844.630,74 CHF

98.064.612,32 EUR
29/06/18

29/06/18
Travelling Expense…

Backbase PS curre…
Gucci

Adidas
21.845,55 CHF

81.845,55 EUR
Payments
Today’s SME banks are so much more than transaction enablers. They deliver payments
solutions, optimizing each and every transaction for cost effectiveness, speed and cash
flow. Backbase Payments empowers banks to create fast, accurate payments strategies
4 Eric Adams
A
for their customers.
New payment EA Backba
ase Europe B.V.

Main
New Payment (Europe)
Dashboard
SEPA SEPA D.D. International
• Supports international standards for money movement, including
Accounts
SEPA, BACS, CHAPS, ACH, Faster Payments and Wire Transfer.
Account Statements
Debit account Scan the bill
• Automated risk and fraud management via transaction monitoring,
Payments

Batch Payments Current Account 1

Cu EUR 5.000,00
 Scan with Camera rules, AI and integration to external fraud and risk engines.
or drop new image on top of the old oneto scan
• A range of widgets that are easily tailored to customize functionality.
NL 4
44 5001 0517 5407 3249 31 Available EUR 5.000,00
another bill.
Transactions

Beneficiary
• Powerful uploading and batch handling capabilities.
Personal

Authorizations 7
• Superb visibility and complete real-time management of
Account name

Contacts Enter account name  enterprise-wide payment flows.

Inbox 13
IBAN
Drag & Drop image of • Seamless integration to other liquidity management, finance and
the bill here...
Your Bank
Enter IBAN Supported formats are:
accounting products.
• Payment execution options analyzed and rated for speed, risk,
JPG, PNG-8, PNG-24 TIFF

Advanced Account number

Audit Enter account number

legality, value and cost.
Actions • Superior STP eliminates the need for manual processing.
Upload from Computer
Entitlements Payment information

Cash Management Amount

EUR 0 , 0

Payment Reference
P R f (optional)
( i l)

Enter payment reference

SME Banking 01 _ Delight your Customers

Seamless Experiences, Delivered
 Cash and Liquidity Accounts and
Management 18
Products Overviews
Real-time overviews of cash positions, fully optimized liquidity, cash flows that really Backbase’s open banking and PSD2 ready solution empowers SME
work - with Backbase, SME banks can deliver it all. Customers get a clear, concise banks to bring customers the full picture of their finances.
understanding of their global liquidity position and optimal structures to make the most Accounts International, virtual or other account types are all combined in one
of their cash. Smart cash management streamlines and automates this entire process. Total balance: 1.245.723,40 EUR  comprehensive, configurable overview. Drill-down capabilities,
Banks can support the financial health of their customers and become a valuable part of Current account Backbase PS cu
u intuitive visualizations, in-depth data analysis and dynamic,
account
their business success. contextual information simplify corporate fund management. Banks
21.500,00 EUR –94,
LOW: 3.1k HIGH: 123k LOW: –2,3k add real value for their clients by providing enhanced visibility and
• Real-time Liquidity Management backed up with powerful reporting. guidance with decision-making.
• Complete online reporting and analytics for Liquidity Management structures. All ((137)
7
• Cut operational complexity and costs with best-in-class self-service capabilities.
Search  • Aggregate balances can be viewed • AI intelligence provides the ability
• Easily integrated with existing cash management systems.
or downloaded as needed, while to predict customer actions.
• Powerful graphing capabilities simplify complex information to support decision making. Account name, number  Available balance

the Backbase app provides • Alerts where needed and simple

• Boost customer revenues with enhanced ability to harvest up-sell and cross-sell opportunities. Backbase Europe current
AL47 2121 10…02 3569 8741
• Real-time modeling, scenarios and alerts optimize liquidity while preventing shortfalls and exposure. Cheryl Stone
• Recommended actions and instant insights meet customer needs and build loyalty. AD12 0001 2030…5910 0100
190.824.106.481,65 EUR
on-the-go overviews. repair actions.
13.689.609.989,17 USD
• Clear, graphical views help to • Optimize investments in various

Current CEO expenses identify trends. currencies and cut exchange rate
• Automated payables and receivables can be scheduled to optimize cash flow. AT61 1904 3002 3457 3201
2.790.651.652,67 EUR

Short term variable interest

• Set favourite accounts for easy, costs.
1.290.141.222,86 USD
AZ21 NABZ 00…70 1000 1944
application-wide access.
Future (5 year) expenses
es
s 483.836.365,83 JPY
BE62 5100 0754 7061

4 Eric Adams
A
New payment EA

Payment Batches
Backba
ase Europe B.V.

Main

Dashboard Cash management With out-of-the-box ERP select and authorization, a few clicks
Accounts
connect the bank to the customer’s ERP system. This all-in-one,
Total assets & Liquidity 
intuitive solution can import batches from any device or manually
Account Statements

Payments EUR USD CHY AUD

Batch Payments Assets 1.245.723,40 Assets 429.310,12 Assets 143.245.723,40 Assets
create bulk payments if needed.
Liquidity 215.433,67 Liquidity 195.193,33 Liquidity 3.438.109,38 Liquidity
Transactions


Personal Cash flow  This year EUR  Expenses  • Batch and bulk payments, including payroll, are
Authorizations 7
This month EUR easily automated. Simply select the right ERP from a Upload New Batch
400k

dropdown and authorize.

Contacts
300k

Inbox 13
200k
• Direct importing of files to the banking environment
Your Bank 100k

0 Money out leverages the power of the customer’s ERP.

Advanced

Audit
–100k

–200k

–300k
267.720,75
EUR
•
•
Fast, easy creation of manual bulk payments.
Enables customers to quickly and

Actions Drag & Drop your files here...
JAN FEB M AR APR M AY JUN JUL AU G SE P O CT N OV DE C
safely manage their payroll. Supported formats are: CVS, XLS, XLSX, XML, TSV (tab-delimited)
Entitlements
Total credit: 2.320.123,59 EUR This month credit: 320.123,59 EUR

Cash Management
Total debit: –1.189.817,22 EUR This month debit: –189.817,22 EUR • Automated batch and bulk including payroll, just
89.231,00 EUR
Upload from Computer
Net cash flow: 1.130.306,37 EUR Estimated funding needed:  50.000,00 EUR
74.961,00 EUR
select the ERP from a dropdown and authorize
19.417,00 EUR directly.
23.079,00 EUR • Leverage the power of your customer’s ERP system,
5.354,00
5 354 00 EUR
import files directly to the banking environment.
• Fast, easy creation of manual bulk Credit Transfer SEPA Credit Transfer SEPA Direct Debit
payments.
• Enable customers to quickly and safely manage
their payroll. Cancel

SME Banking 01 _ Delight your Customers

Seamless Experiences, Delivered
 Entitlements Open
Banking
Collections
and Receivables
FX/Trading
Backbase Entitlements is a complete entitlements engine and user interface. This
sophisticated solution lets banks grant advanced access rights to trusted users, and The fully integrated open The collections and receivables Banks can break down silos and
limit that access to permitted functions and data. Pre-integrated with the Backbase banking platform that supports a process is streamlined and build trust amongst customers by
platform and easily manageable, it allows customers to completely manage their own bank to become a disruptive transformed into a fluid, including the FX solution in their
entitlements setup. financial industry player. Join the automated system. Payments portal. Up-to-date FX rates and
open banking ecosystem to drive or overdue accounts are a smart user interface empower
innovation and deliver superior therefore more effectively customers to move fast and
• Detailed access and permissions • Reduced risk by fine-tuning user’s capitalize on opportunities.
end-to-end customer journeys. managed, with major benefits
levels for all business functions, ability to create and approve for cash flow.
including approval levels and limits. payments per type, amount or even • The API-driven, digital • Customers can trade currency
• Easy reflection of organizational device. transaction banking platform • Intelligent analyses of pairs, commodities or any other
structure through the ability to • Facilitates easy management of all designed for smart banking. behaviours and payment instrument a bank offers.
manage companies, accounts aspects of PISP, AISP and open • Can integrate via APIs to any patterns supports collections • Automatic notifications of any
groups, users, and permission banking. channel, device, product engine strategies. important changes to open
profiles. or 3rd party system. • Reports and reconciliations are positions.
• Platform to accelerate banks real-time and automated. • Clear visibility over Funds
to become PISP and AISP in a • File upload support, PO creation, Management, account balances
new open banking market. direct debits and other and account snapshots.
payments services make life
4 Eric Adams
A easy for customers.
New payment EA Backba
ase Europe B.V.

Main

Entitlements
Trade Supply Multi-user
Dashboard

Accounts Users & Permissions Job Profiles Product Groups Approval Policies
Finance Chain Finance approval
Account Statements

Payments
Search  + New Policy Banks provide up-to-the-minute Banks can optimize their Backbase multi-user approval
Batch Payments Business function  Policy
information that shelters customer’s working capital and lets a bank grow with its
clients from exchange rate free them from the need to trust customers. Our approval solution
Transactions
Payments – SEPA A+B
volatility. Increased risk buyer’s credit worthiness. supports everything from
Personal
Payments – International multiple policies mitigation allows clients to Automated supply chain finance single-user setups to more
Authorizations 7
transact and invest with optimizes orders and payments complicated ones, as
Contacts Amount range: Policy:
confidence and grow their and simplifies transactions. departmental approvals. Contacts
Inbox 13 0 – 50.000,00 EUR A or B

50.000,00 – 1.000.000,00 EUR B+B or C

success, in both current and are also handled with ease.
Your Bank

1.000.000,00 EUR – (max available) A+A+A or B+B then

en C or M
new markets. • Comprehensive overview of all
Advanced Policy details: “Payments – International“ invoices and their status. • Customers can set thresholds for
Edit View Details
Audit
• Spot, forwards and futures • Invoice scanning facilities for individual users.
Amount range: Policy:
contracts handled in real-time
Actions

Payments – Domestic Wire A+B 0 – 50.000,00 EUR A or B

buying customers. • Real-time information for users
Entitlements

50.000,00 – 1.000.000,00 EUR B+B or C with ease. • Direct remittance of invoices on every step of payment or
Cash Management
Payments – International Wire A+B
• Real-time, 360 degree views of
1.000.000,00 EUR – (max available) A+A+A or B+B then C or M reduces complexity and contact workflows.
Contacts (create,
(create edit,
edit delete) A+B
all transactions. increases liquidity, while • Personalised lists show users
• Automated processing and
Job profiles involved:

A:
Employee (payables)
Employee (receivables)
Clerk
Manager (1st lvl)
Admin (1 st lvl)
B: C:
streamlining global transactions. which items require action.
Manager (2nd lvl)
Manager (2nd lvl)
Head of branch
Head of finance
export of letters or • Banks can extend time periods • Comment on payments or
Manager (3rd lvl)
Head of branch M: documentation, like Guarantees. for selected suppliers. contacts to inform next users in a
Head of finance CFO
Admin (2nd lvl) • Connect easily to other Trade • Up-to-date overviews of all workflow.
Admin (3rd lvl)

Finance parties via APIs. invoices and their status. • An intuitive user interface allows
Print as PDF Close
multiple approvals and rejections
in one action.
• Mobile alerts and access to
outstanding approval requests on
SME Banking 01 _ Delight your Customers the move.
Seamless Experiences, Delivered
 Empower your Agile
Delivery teams
We don’t just help banks to build software, we help them prepare for the next decade. Our
world-class team of agile developers, business analysts, and UX designers work alongside
you to build and deploy software in an entirely new way. In the process, you are enabled to
do so self-sufficiently in the future. Your team learns about cutting-edge technology and
best practices the best way possible - by doing. The knowledge you absorb while working
with Backbase is just as valuable as the finished project itself.

Balanced teams build Learning Acceleration through

exceptional products by doing blueprints

We hear frequently from prospec-
tive clients that it takes a long time
to release new features, that users
aren’t adopting products, and that
finished work hasn’t met their ex-
pectations. Our response to these
widespread issues is what we call
“balanced teams” which can build
truly exceptional products.
Balanced teams are small groups
The Backbase approach unifies
development, design, and product
management to create exceptional
products. Backbase Customer
Success practitioners provide you
with expertise in these three key
areas, in addition to strategic
business advice and planning.
To engage with Backbase is to
learn by doing. Your team
In addition to supporting you along
the journey of successfully
setting up your Agile Delivery
Teams, Backbase also provides
you with inspirational Blueprints
for your Continuous Integration
and Continuous Deployment (CI/
CD) approach. Think short, frequent
release cycles, where running
pipelines of improvements are

!
that bring varied skills to the table. members pair with Backbase team automatically and continuously
They focus on collaboration, members, working side-by-side as tested and rolled out over your
consistent communication, and much as possible to collectively Backbase Platform ensuring
transparency as part of working build a great product. We consistency and quality. Think
towards a shared goal - a great practice test-driven development, having business impact within
product. pair programming, short days rather than weeks or months.
development cycles, and Continuously introduce smart new
continuous verification and features in the background, while
integration of code. One result is business runs as usual on the front
high-quality, flexible software end. With our Customer Success
delivered efficiently and cost- experts you will be setup for
Waterfall process Agile process effectively. The other result is your delivering at Startup speed,
team’s readiness to do the same leveraging all the latest modern
Perfect plans; avoidance of risk of failure Rapid adaptation, learning and recovery from failure
high-quality work all on its own. technologies and tools to support
Everything is important, fragmented multitasking Laser focus on things that are more important
you in your digital transformation
Diplomacy, spin and controlled power Transparency, honesty, trust and delegated power
journey.
Layers of internally focused approval Customer-focused design and empowered employees
Individual performance Collaboration and alignment

SME Banking 02 _ Empower your Agile Delivery teams

Seamless Experiences, Delivered
 The second value driver of Backbase is the streamlining of your digital business
processes. You need digital banking applications that are beautiful and engaging,
but at the same time flexible enough to respond to change. Investments in
beautifully designed web and mobile experiences won’t move the needle unless the
bank ensures that the processes on the back-end align to support smart end-to-end
customer experiences. Backbase provides banks with the flexibility to easily edit
content, run marketing campaigns or streamline customer onboarding, origination
and self-service processes.

The Backbase platform empowers different business stakeholders such as UX

Designers, Digital Marketing Professionals and Business Engineers to continuously
collaborate to improve your customer experiences:

• UX Designers use the Backbase Design System to quickly prototype new

UX Designers applications and validate them directly with end-users.
Design System
& Rapid Prototyping • Digital Marketing Professionals can create content updates and targeted
sales campaigns in hours and go live immediately - across all digital
touchpoints.
Digital Marketers
Content & Campaign
Business Engineers • Business Engineers easily design and deploy cross-channel customer
Management
Onboarding, Origination journeys for onboarding, origination and self-service, all without the need
& Self-Service Journeys for deep coding.

• Customer Service Employees can directly assist digital users with on

boarding, access and entitlement rights, activity logs and payment issues,
where needed.

Software Engineers
• Software Engineers leverage APIs and SDKs to standardize, simplify and
SDKs, DevOps
Customer Support fast-track the development of new capabilities across the platform.
Streamline SDLC
Remote Assist

SME Banking 02 _ Empower your Agile Delivery teams

Seamless Experiences, Delivered
 UX Designers Digital Marketing Professionals
Use the Backbase Design System to quickly prototype With Experience Manager you can create targeted campaigns and
new applications and validate them directly with end-users go live immediately - across all digital touchpoints
The Backbase Design System offers a holistic approach to ensuring a universal UI language that Backbase comes with fully integrated content management and targeted campaign
scales across all your digital touch points. It consists of multiple elements, including a collection of management capabilities, enabling digital marketers to easily edit content for your online
reusable UI components, which are guided by clear standards, and can be assembled together to build and mobile banking apps and run targeted sales campaigns to increase online conversions
any number of applications. To create new applications quickly and with confidence, design teams and sales results.
need access to a single source of truth where a scalable UI language and streamlined UX guidelines
are supported.
Integrated Content Targeted Visual Page and
Management campaigns Mobile App Editor
• Provides guidelines and UI components, supporting designers and developers in staying
fully aligned throughout the development cycle. • Track customer behavior and • Easy-to-use in context content
• Full multilingual and
• Enable rapid prototyping via an always up-to-date Sketch Template that is fully aligned preferences and create editing capabilities to update
localisation support.
to the component library used by the engineering team. targeted campaigns to increase content and apps.
• Pluggable, structured content
• Sketch Templates contain core visual styles, components, color swatches, iconography, your share of wallet. • Fully manage any digital
allows for easy re-use across
and templates, giving designers an accelerator to define the UI/UX in rapid time. • Distribute campaigns across all touchpoint within the
multiple pages and applications
• Leverage the Living Styleguide as a centralized place for all the existing UI components your digital touch points. Backbase Platform, including
without duplicating or increasing
used across all widget collections. Hybrid or Native Mobile apps.
the maintenance effort.
 Business Engineers
Studio - Easily design and deploy cross-channel customer journeys
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, ultimately the lifetime value of a customer relationship. Backbase offers
powerful software that enables you to fully digitize your customer onboarding and product
origination operations.
Customer Support
Support digital users throughout their journey
Backbase comes with fully integrated Customer Support capabilities that empower
customer facing employees to assist customers when they need help. Within the Backbase
Assist Workspace you can manage digital user access rights and entitlements, track user
audit trails, and support customers when they have issues with online or mobile banking
payments.

Dynamic Forms Management
• Streamline onboarding and self-service dialogs, all
integrated with internal systems to enable straight
through processing (STP).
• Model driven development - generates modern
form-based user interfaces that perform well on all
digital touchpoints, mobile devices and the web.
• Access control allows the management of user permissions and entitlements.
• Identity access management to create, view and manage users.
• Simplify and automate processes for a smooth
• Audit capabilities enable employees to view the audit log for a user or company.
lifecycle of a case.
• Payments capabilities allow payments viewing and management on behalf of a user.
• Use visual tools to quickly build an executable model of
your new application.
• Easy integration with your existing BPM system.

Flows (+31) 62 974 7465 K Inbound 00:00:12 ∠  ∠  g∠  ∠ ∠

L
Jo
oren Ploeman

Overview Client profile Client activity Client claims Communications Case history


Smart case: Created on: Priority: Owner: Status: SMART OVERVIEW

 102674 25/09/17 High Joren Ploeman In progress
Smart advice Smart history

Customer History Details Notes Customer journey

 Insurance type: Case type:
Car insurance Missing info
Name: Sara Williams Phone number: (+31) 62 974 7465

Nationality: Dutch Email:

 sara@its.me

Gender: Female Address: Herengracht 83a  History

Age: 31 yrs 1015 BD, Amsterdam Sara has just applied for a car insurance
policy (436728), but has still not added her
 Date of birth: 26/09/1985 credit card details.

 Critical comments

 Policy (436728) is due to start tomorrow

(28/09/17). Policy cannot be activated until
credit card details are submitted.
Policies Claims Finanical Overview Communications

  Smart actions
Call Sara to advise of the critical situation
and input credit card details.
Type Status Application date Start date
Car Inactive. Credit card required 20/09/17 20/09/17
Options ∠


 New policy

Email Write

 Add notes

SME Banking 02 _ Empower your Agile Delivery teams

Seamless Experiences, Delivered
 Software engineers
Leverage APIs and SDKs to fast-track new capabilities across the platform
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.

export class ProductSummaryWidgetComponent implements OnInit, OnDestroy {

readonly items: Observable<ProductKinds> = this.service.productKinds; Web SDK Mobile SDK Server SDK
private widgetPropertiesSubscription;
public clickable; • Open standards based, • Create hybrid, mixed (hybrid + • An opinionated set of tools,
modern front-end widget native) or fully native mobile libraries, and best practices to
readonly isExpanded: { development (HTML, JavaScript, apps for Android and iOS. deliver consistent high-quality
[key: string]: boolean; CSS). • Mix and match HTML and native back-end services.
} = {}; • Optimized and open rendering UI elements in a high • Client & API code generation
strategies for any web-based performance run-time. tools to speed up development
@Output() selectedAccount = new EventEmitter<string>(); channel. • Easy integration with any 3rd time and align the needs of
• Easy to assemble, industrialized party mobile SDKs. front-end and back-end services
constructor(private service: ProductSummaryService, private model: Item UI building blocks (Design • Bank-grade security and high- development.
Model) {} System-based). performance runtime. • Production- and cloud-ready
• Supports both responsive and • Clearly defined extension points capabilities that are highly
ngOnInit() {
adaptive UI patterns. with clean APIs. extensible and bank-grade
this.widgetPropertiesSubscription = this.model
• Predefined and extensible secured by nature.
.property(‘output.selectedAccount’)
.subscribe(destination => (this.clickable = !!destination)); domain models.
} • Industrializes integration and
ngOnDestroy() { security patterns to
this.widgetPropertiesSubscription.unsubscribe(); communicate with any
} back-end.

selectAccount(id: string) {
if (this.clickable) {
console.log(id, this.clickable);
this.selectedAccount.emit(id);
} else {
console.log(id, ‘not clicked..’);
}
}
}

SME Banking 02 _ Empower your Agile Delivery teams

Seamless Experiences, Delivered
 Accelerate with the
Backbase Digital Banking
Platform
Making it happen

Getting set for the new industry
Google owns information, Amazon owns
ecommerce, Facebook owns communication -
Tailored Real-time Digital Financial Front-office these players dominate in their areas. Now it’s
Advice Support Sales Insight Empowerment
time for banks to own finance. They must reinvent
themselves and go beyond a digital transformation
to achieving a business transformation. Banks that
work the digital-first banking platform properly will
empower themselves to do things 10 times better.
That’s how they will hold onto their customers at a
The Digital-First
The Digital-First Banking
Banking Platform
Platform time when the threat of attrition is bigger than ever.
A robust, agile digital-first banking platform will
connect and empower all parts of the organization
01. User Experience Management
to optimize omni-channel customer journeys.
It works alongside legacy systems, connecting,
02. Digital Banking Capabilities aligning and informing to support staff and
customers.
03. Identity & Access Management / Entitlements When all systems talk to each other, tailored advice
and real-time support are instantly available to
customers. Frontline staff are freed from slow,
04. Process Digitization Capabilities
paper-based processes and empowered to deliver
excellent service, with the right information at
05. Cloud Deployment their fingertips. The user experience works, from
onboarding to upselling, and this drives digital
sales. Enhanced financial insights help customers
to manage their financial lives and banks to
u
u _ strong digital banking platform is a
function of well-managed user experiences,
backed by digital capabilities, security, smart
processes and cloud deployment.
Source: Backbase
strategize. The digital banking platform connects all
the dots to deliver for the end customer and ensure
the bank can compete into the future.
01. User experience management. Behind every
great user experience is a smooth integration with
back-end services. When customer data can be
quickly sourced, frontline staff are empowered
with real-time, accurate data, and customers enjoy
superior self-service capabilities.
Digital marketing professionals should be able
to tailor the end-user’s experience, without the
need to call on IT for every change. Backbase
offers a range of user-friendly tools that empower
digital marketers to edit content and navigation,
add widgets, update the mobile app, run digital
marketing campaigns across multiple channels,
and more.
A modular, flexible orchestration layer will connect
and streamline existing core banking and back-
end systems for frictionless, personalized, omni-
channel experiences. This empowers banks to
deliver optimal, relevant customer journeys, reduce
time to market, and ease the burden on the IT
department.

SME Banking 03 _ Accelerate with the Backbase Digital Banking Platform

Seamless Experiences, Delivered
02. Digital banking capabilities. To compete in
a digital world, banks must offer smart digital
products and services that are easily accessible
over every device. Banks need a platform that
supports their efforts to stay competitive by
providing innovative digital excellence.
Backbase is the digital banking platform that
empowers banks with superior Banking-as-a-
Platform capabilities. Built on a state-of-the-art
microservices architecture and with API-based
banking capabilities, Backbase complements
existing core banking systems. Modular
architecture enables easy customization, while
both classic and cloud deployment are facilitated.
This leading omni-channel digital banking platform
helps financial institutions create, manage, and
optimize superior customer journeys, on any device
and over multiple channels. Functionality can be
tailored for seamless, omni-channel customer
experiences that normally would not be available
directly from the core banking or back-end systems.
03. Identity and access management. Identity and
access management is key to ensuring access
security in today’s open banking marketplace. A
sophisticated entitlements solution makes this
easy, by automating and managing the process of
granting access rights to trusted users.
Backbase offers a sophisticated entitlements
solution that lets a bank integrate the existing
entitlements system, or leverage Backbase
Entitlements to tailor access levels and permissions
to view, create or approve transactions. Various
password combinations, tokens, Integrated Multi-
Factor-Authentication (MFA) and alerts strengthen
and simplify access control.
Access to permitted functions and data can be
limited and authentication can be stepped-up in
high-risk situations. Users can fully customize
to create their own views, and select preferred
SME Banking 03 _ Accelerate with the Backbase Digital Banking Platform
Seamless Experiences, Delivered
accounts or business performance metrics. Backbase has done the hard work of abstracting The Backbase Digital Banking Platform is an open
Payments can be authorized on-the-go and mobile the platform capabilities from the various cloud API-based platform, which allows for any third-
alerts and access to outstanding approval requests deployment models, The Backbase Cloud is party fintech capability to be easily integrated and
are also available. supported by an ecosystem of certified technology leveraged into seamless digital customer journeys
and infrastructure providers that facilitate service across all channels.
04. Process digitization capabilities. Smart online provision across multiple countries, all with a
forms and logical processes are key to efficient proven track record in financial services. Backbase Open Banking Marketplace offers the
customer journeys. When they don’t work properly, perfect fintech solution to significantly boost speed
abandonment increases, impacting the success The Backbase Open Banking Marketplace and efficiency in any go-to-market strategy.
of online initiatives. Smart forms and dynamic One organization could not be all things to everyone
process management increase efficiency and before - but that’s changing, banks can add to their Driving value with the digital banking
remove manual, paper-based tasks - making life products and services by connecting to the open platform
easier for both customers and employees. banking ecosystem. By adding incremental value With the right platform in place, a bank can create
from the open marketplace, they can put all of superb customer experiences, react swiftly to
Backbase Digital Forms simplify and streamline all the pieces together seamless solutions that have market changes and capitalize on unexpected
customer dialogs across multiple channels, while magnetism, something customers want to be a marketing opportunities. All of this begins with
onboarding or self-service dialogs integrate with part of. noting the pain points for the customer and solving
internal systems for straight-through processing these with the digital banking platform. A keen
(STP). Banks can actively streamline their online The Backbase Open Banking Marketplace is the focus on each of the platform’s four pillars and a
customer dialogs and manage their self-service and perfect platform to establish mutually beneficial strong digital-first approach will move banks from
customer enrolment processes. partnerships that drive innovation. It enables the role of follower to formidable competitor and
financial institutions and fintechs to connect to the sustain their business into the future.
Backbase automates daily tasks, connecting people Backbase Digital Banking Platform.
and information to handle each case quickly and
accurately. Built-in mobile and social capabilities
simplify collaboration via any device or channel,
and communication with legacy systems is also
possible via configurable connectors.
05. Cloud deployment. Cloud deployment powers
constant feature or functionality updates, without
any impact on day-to-day business. New code can
be deployed thousands of times per month, and
fast. Development teams can bring new capabilities
to market via a highly automated platform that
scales with the business. Security can also be
automated, making it easier to keep pace with
industry regulations and compliance standards.
The Backbase platform supports both traditional
app servers and new native cloud deployment
models, enabling banks to safely make the
transition from a classic deployment to a native
cloud deployment, without re-engineering.
 About Backbase
Backbase is a fast growing fintech software provider that Our customer base includes ABN AMRO, Barclays,
Backbase Named a Backbase Named a empowers financial institutions to accelerate their digital CheBanca!, Credit Suisse, Fidelity, HSBC, HDFC, Hiscox,
transformation and effectively compete in a digital-first KeyBank, Legal & General, Al Rajhi Bank, NBAD,
Leader in the Ovum Leader in the Forrester world. OTP, PZU, PostFinance, Societe Generale de Banque au
Liban and Westpac.
Decision Matrix for digital Wave™ for Omni-Channel We are the creators of the Backbase Omni-Channel Banking
Platform, a state-of-the-art digital banking software solu- Industry analysts Gartner, Forrester and Ovum

channel banking platforms Digital Banking tion that unifies data and functionality from traditional core recognize Backbase as an industry leader in terms of
systems and new fintech players into a seamless digital omni-channel banking platform capabilities,
customer experience. and award the company high marks for its deep focus
on customer experience management and unparalleled
We give financials the speed and flexibility to create and speed of implementation. Forrester
EdgeVerve manage seamless customer experiences across any device, named us a leader in the Forrester Wave for
and deliver measurable business results. We believe that Omni-Channel Banking. Ovum nominates Backbase as
NETinfo Temenos
superior digital experiences are essential to stay relevant, the market leading provider of next-generation digital
Tagit TCS
and our software enables financials to rapidly grow their channel banking platforms, from both a
Intelligent
Environments Finastra
digital business. functionality perspective and execution perspective.
Intellect Design
Arena
Sopra Banking
Software
More than 100 large financials around the world have stand- Backbase was founded in 2003, is privately funded, with
CR2
ardized on the Backbase platform to streamline their digital headquarters in Amsterdam (HQ Global) and Atlanta (HQ
self-service and online sales operations across all digital Americas) and regional operations in London, Singapore,
touchpoints. Cardiff and New York.

Market presence

Americas HQ European HQ
10 10th Street, Suite 325 Jacob Bontiusplaats 9
“Backbase hits the most important aspects of “Backbase offers broad business capabilities, Atlanta, GA 30309, United States 1018 LL Amsterdam,
digital channels, which are in demand for banks rich support of customer experience, and Toll-Free Number: +1 866 800 8996 The Netherlands
looking for a very modern, agile, and neat solution. very solid technology and architecture. Office Number: +1 470 881 8780 Phone: +31 20 465 8888
Backbase allows a rapid time-to-market with its With Backbase being a pure-play vendor, it sales-us@backbase.com sales-eu@backbase.com
responsive design approach to the digital channels. is not a surprise that its commitment to its
With this solution banks are getting a number of omni-channel banking solution is high.”
features that are well aligned with current trends in the
digital economy, not only allowing for efficient servicing Backbase was among a group of select vendors Regional Office London Regional Office Singapore
but also effective sales and marketing actions.” that Forrester included in its most recent Wave 81 Farringdon Street 3 Church Street
for Omni-Channel Digital Banking software. London, EC4A 4BL Level 25 Samsung Hub
Ovum Decision Matrix is emphasizing the importance of The Backbase Digital Banking Platform is listed United Kingdom Singapore 049483
developing an effective omni-channel banking strategy, as leader and received the highest score in the Phone: +44 20 3735 8437 Email: sales-eu@backbase.com
selecting a future proof digital banking platform and Current Offering category. Being named a leader in Email: sales-eu@backbase.com
taking into account the emergence of new technologies the Forrester Wave provides the market with further
- all in order to empower Banks to stay relevant to their validation of Backbase being at the forefront of digital
customers, improve their customer banking experience innovation. We are very happy with this recognition
Regional Office Cardiff Regional Office New York
and not lose out to digital challengers. The evaluation and are energized to help our customers accelerate
Ground Floor, The Bounded Warehouse 1460 Broadway New York
criteria for the Ovum Decision Matrix includes market their digital transformation. Our software is used
Atlantic Wharf, Cardiff, CF10 4HE NY 10036, Suite 110005
impact, business functionality, and product execution - by leading banks around the world, and we are 100%
United Kingdom United States
across which Backbase scored exceptionally high. This committed to enabling them to create superior
Email: sales-eu@backbase.com Email: sales-us@backbase.com
is the second time in a row that Backbase is nominated digital customer experiences, any time, any place,
within the Matrix as Market Leader. and on any device.