Backbase built the AI-native Banking OS - the operating system that turns fragmented banking operations into a Unified Frontline. The Banking OS sits above existing core systems and coordinates execution across customers, employees, and AI agents - without replacing cores, CRMs, or payment systems. It is the Control Plane that makes everything above the ledger work as one. The Banking OS serves financial institutions of all sizes - from community banks and credit unions to large multinational banks - across Retail, SMB and Commercial, Private Banking, and Wealth Management. 120+ leading banks run on Backbase globally. Key Features Identity and Decision Authority (Sentinel): According to the vendor, Sentinel governs identity, access rights, and decision authority across all digital banking channels. Every action by any actor - customer, employee, or AI agent - requires a Decision Token before it executes. Decision Tokens record the policy applied, actor identity, model version, and decision outcome - creating a verifiable audit trail for every interaction. This is designed to mitigate fraud risk, ensure regulatory compliance, and provide full operational auditability. Digital Banking (Composable Banking Apps): According to the vendor, the platform enables banks to build and deploy state-aware digital banking applications for customers across mobile, online, and guided journeys - from balance checks and card management to onboarding and loan origination. Apps adapt dynamically to customer segment, lifecycle stage, and individual context. They integrate with core banking systems to provide real-time access to account information and transactions. Employee Workspaces (Composable Workspaces): According to the vendor, the platform provides role-defined execution environments for bank employees - including CSR Workspaces, RM Workspaces, and Ops Workspaces. Each workspace gives employees a unified view of customer context, case history, and available actions. CSR Workspaces support real-time customer interactions through live chat, audio, and video. All workspaces operate from the same shared customer data and are governed by Sentinel Decision Authority. Conversational Banking: According to the vendor, the platform includes a natural language execution interface for both customers and employees. It operates in two modes: Assist (task execution - completing banking tasks through conversation) and Coach (guidance and decision support - financial planning and personalized advice). Conversational Banking operates on the same shared customer context as digital apps and employee workspaces. Process Orchestration: According to the vendor, the Orchestration Layer coordinates how banking work moves forward across employees, AI agents, and systems. Deterministic workflows handle known, repeatable processes - loan origination, dispute resolution, onboarding, compliance - with hardcoded rules that are always consistent and auditable. Agentic workflows enable AI agents to act as bounded participants within defined autonomy levels. Both run side by side on the same platform. AI and Embedded Intelligence: According to the vendor, the Intelligence Layer manages the full lifecycle of AI and machine learning models deployed across the Banking OS - including large language models, domain-specific banking models, and classical ML algorithms. Capabilities include a Model Registry, training pipelines, model serving infrastructure, drift detection, and EU AI Act compliance. The platform uses AI to automate manual processes, surface next-best-action recommendations, and personalize customer interactions based on behavior, transaction history, and lifecycle stage. Shared Customer Data (Nexus): According to the vendor, Nexus provides a unified semantic layer - a shared operational model of the customer across all channels and systems. It includes a Banking Ontology, Customer State Graph, and Context Graph, ensuring that all workflows, agents, workspaces, and digital apps operate from the same customer truth. This replaces fragmented data across legacy systems with one consistent source of operational context. Core and Fintech Integrations (Grand Central): According to the vendor, Grand Central connects the Banking OS to core banking platforms, payment systems, card systems, CRM platforms, KYC systems, fraud systems, document management platforms, and fintech services. It provides pre-built connectors, standardized integration contracts, event streaming, and API orchestration - enabling the Banking OS to coordinate work across systems without replacing them. Case and Document Management: According to the vendor, case management and document orchestration are native to the platform's Orchestration Layer. Bank employees and AI agents manage tasks, evidence collection, document storage, versioning, and access control within a single execution environment. Customers and employees can track application and case progress in real time through digital apps and workspaces - both operating from the same shared case state. Banking OS Factory (Build and Deploy): According to the vendor, the Banking OS Factory is the toolset banks use to design, build, deploy, and evolve AI-native banking operations. It includes Studio (low-code process and agent builder), Starter Packs (pre-validated domain solutions that bundle workflows, agents, policies, and integrations), Delivery OS (build-test-deploy pipeline), and Simulation Lab (pre-production testing and validation). Banks modernize one domain at a time - reducing delivery risk and time to value.