Backbase has launched its AI-native Banking OS, a platform aimed at supporting agentic banking by connecting customer channels, employee workflows and AI agents in one operating model.
The platform sits above a bank’s existing systems, including core banking, payments, cards, risk and customer relationship management systems, rather than replacing them.
Backbase said the launch addresses fragmentation in banks, estimating that roughly 80 percent of frontline banking work happens in the gaps between systems, based on insights from more than 120 deployments.
The platform gives banks a shared customer view, coordinates work across systems, authorises actions and learns from interactions and outcomes over time.
Jouk Pleiter, CEO and Founder of Backbase, said,
“AI agents need shared context, clear authority, and a unified execution layer.
Without it, adding more AI accelerates the fragmentation it was meant to solve.”
The AI-native Banking OS includes three new layers. The Intelligence Layer identifies risks, revenue opportunities and churn signals earlier.
Nexus, its Semantic Layer, gives employees and AI agents a shared view of customer, account, product and case data.
Sentinel, its Authority Layer, checks what each customer, employee or AI agent can do, logs actions and applies bank policies before execution.
The platform can support onboarding, credit, servicing and support by reducing manual handoffs across systems.
Backbase reported more than US$350 million in revenue in 2025 and serves over 120 financial institutions across 50 countries.
Its clients include Navy Federal Credit Union, TD Bank, Techcombank, Standard Bank Group, Eurobank and KeyBank.
The AI-native Banking OS is available through Backbase’s global operations and partner network.
