Mobile App Availability
Whether the platform offers a dedicated mobile application for iOS and Android devices
Yes - has this feature

Backbase offers native mobile apps for iOS and Android as part of its engagement banking platform.

Responsive Web Design
Whether the web platform automatically adjusts to different screen sizes and devices
Yes - has this feature

Backbase emphasizes responsive, omni-channel user experience available on any device.

Biometric Authentication
Support for fingerprint, facial recognition, or other biometric login methods
Yes - has this feature

Biometric authentication (fingerprint, facial recognition) is supported in Backbase mobile banking apps, as per documentation and client mobile app examples.

UI Customization
Ability for users to personalize their dashboard, widgets, and interface elements
Yes - has this feature

Backbase supports customizable dashboards; users and institutions can personalize the interface.

Accessibility Compliance
Adherence to WCAG or similar accessibility standards for users with disabilities
Yes - has this feature

Backbase adheres to accessibility standards (WCAG) for its front-end components.

Dark Mode Support
Option for users to switch to a dark color scheme to reduce eye strain
Yes - has this feature

The platform offers dark mode support as a front-end theming option.

Multi-language Support
Number of languages available for users to interact with the platform

No information available

Page Load Speed
Average time it takes for pages to load fully on the platform

No information available

Single Sign-On (SSO)
Ability to use one set of login credentials across multiple services or platforms
Yes - has this feature

Backbase supports SSO integrations using SAML, OAuth, etc.

Push Notifications
Support for sending real-time alerts to users' devices
Yes - has this feature

Push notifications are available via the mobile SDK.

In-app Chat Support
Live chat functionality for customer service directly within the platform

No information available
.

Voice Banking Integration
Integration with voice assistants like Alexa, Google Assistant, or Siri

No information available
.

User Satisfaction Score
Average rating from user feedback on experience and usability

No information available
.

Real-time Balance Updates
Whether account balances are updated in real-time as transactions occur
Yes - has this feature

Real-time transaction updates and balances are standard in the platform's reference implementations.

Transaction History Depth
How far back users can view their transaction history

No information available

Transaction Search
Ability to search through past transactions using various filters
Yes - has this feature

The platform offers transaction search and filtering as part of digital banking UX.

Transaction Categorization
Automatic categorization of transactions (e.g., groceries, utilities)
Yes - has this feature

Automatic transaction categorization is supported in the money management module.

Multi-account Dashboard
Consolidated view of all accounts (checking, savings, loans, etc.) in one interface
Yes - has this feature

Multi-account overview is a core dashboard feature.

Account Nickname Customization
Ability for users to rename accounts with personalized labels
Yes - has this feature

Users can add custom labels to accounts.

Statement Generation
Ability to generate and download account statements for specific periods
Yes - has this feature

PDF statement generation and downloads are included.

Tax Document Access
Availability of tax-related documents (e.g., 1099-INT) within the platform
Yes - has this feature

Integration for delivery of tax documents is supported in the digital banking back-office.

Account Closure
Self-service functionality to close accounts without visiting a branch
Yes - has this feature

Customers can request and process account closure digitally (subject to bank policy).

Account Alerts
Customizable notifications for account activities (e.g., low balance)
Yes - has this feature

Customizable account and security alerts are part of the notification system.

External Account Linking
Ability to connect and view accounts from other financial institutions
Yes - has this feature

External account aggregation and linking are available via connectors with Plaid, Tink, or Open Banking APIs.

Account Opening
Ability to open new accounts entirely through the digital platform
Yes - has this feature

Full digital self-service account opening flows are offered.

Internal Transfer Speed
How quickly transfers between accounts at the same bank are processed

No information available

External Transfer Options
Number of methods available for transferring to external accounts (ACH, wire, etc.)

No information available

Bill Pay Service
Functionality to schedule and manage payments to service providers and billers
Yes - has this feature

Bill payment and management are available features out of the box.

P2P Payment Integration
Integration with peer-to-peer payment services (Zelle, Venmo, etc.)
Yes - has this feature

The platform integrates with P2P services such as Zelle, Venmo, based on FI's preference.

Recurring Transfers
Ability to set up automatic, repeating transfers between accounts
Yes - has this feature

Recurring transfer/scheduled payment flows are available.

Transfer Limits
Maximum amount that can be transferred in a single transaction

No information available

International Wire Support
Ability to initiate and track international wire transfers
Yes - has this feature

International wire capabilities are available for FIs that support them.

Real-time Payments
Support for instant payment networks like RTP or FedNow
Yes - has this feature

Backbase supports instant payments and can integrate with RTP/FedNow systems where available.

QR Code Payments
Support for generating or scanning QR codes to initiate payments
Yes - has this feature

QR code based payment is supported as an option in the mobile app modules.

Mobile Check Deposit
Functionality to deposit checks by taking photos with a mobile device
Yes - has this feature

Mobile check deposit is a supported feature in the mobile SDK for customers in markets where it is supported.

Bill Payment Reminders
Proactive notifications about upcoming bill payments
Yes - has this feature

Automated bill payment reminders are standard via notifications.

Transfer Templates
Ability to save transfer details for frequent transactions
Yes - has this feature

Transfer templates (saved beneficiaries/templates) offered in commercial and retail workflows.

Payment Status Tracking
Ability to track the status of payments and transfers in real-time
Yes - has this feature

Payment and transfer transaction status tracking (e.g., pending, completed) available.

Multi-factor Authentication
Requiring multiple forms of verification before granting account access
Yes - has this feature

Multi-factor authentication supported, with 2FA and additional options.

Encryption Level
Strength of encryption used to protect data (e.g., 128-bit, 256-bit)

No information available

Automatic Session Timeout
Whether the system automatically logs users out after a period of inactivity
Yes - has this feature

Automatic session timeouts are supported and configurable.

Device Recognition
System can identify and flag logins from new or unrecognized devices
Yes - has this feature

Device fingerprinting/recognition is part of the security stack.

Fraud Monitoring
Active monitoring systems that detect and flag suspicious activities
Yes - has this feature

Active behavioral fraud and anomaly monitoring systems can be enabled.

Transaction Verification
Secondary verification required for high-risk or unusual transactions
Yes - has this feature

Two-step verification is supported for high-risk or unusual transactions.

Card Controls
Ability to freeze/unfreeze cards, set usage limits, or restrict geographical usage
Yes - has this feature

Card controls (freeze/unfreeze, limit setting, geo-blocking) available where product is implemented.

Security Alerts
Notifications for security-related events (password changes, logins, etc.)
Yes - has this feature

Security event notifications are part of the alerts suite.

Vulnerability Testing Frequency
How often the platform undergoes security testing and assessments

No information available

Fraud Guarantee
Financial protection offered to customers in case of fraudulent transactions

No information available

Privacy Controls
User options to control data sharing and privacy preferences
Yes - has this feature

User-controllable privacy settings and GDPR/CCPA compliance tools provided.

IP Blocking
Ability to block access from suspicious IP addresses or regions

No information available

Compliance Certifications
Number of security and compliance certifications held (PCI DSS, ISO 27001, etc.)

No information available

Spending Analysis
Tools that analyze and visualize spending patterns across categories
Yes - has this feature

Spending analysis and visualization is part of the money management/fintech/engagement layer.

Budgeting Tools
Features that help users create and monitor budgets
Yes - has this feature

Budgeting suite included in retail banking templates and modules.

Financial Goal Setting
Ability to set and track progress toward financial goals
Yes - has this feature

Financial goal setting/tracking included in money management module.

Net Worth Tracking
Calculation and visualization of overall financial position
Yes - has this feature

Net worth tracking is available for consolidated view dashboards with external data integration.

Cash Flow Forecasting
Prediction of future account balances based on recurring transactions
Yes - has this feature

Cash flow forecasting is part of advanced PFM/analytics modules.

Automated Savings
Tools that automatically move money to savings based on rules or AI
Yes - has this feature

Automated savings features can be enabled by FI via rules/AI automation.

Investment Tracking
Ability to monitor investment performance within the platform
Yes - has this feature

Investment account aggregation and tracking modules are available for institutions that offer them.

Financial Health Score
Personalized scoring system to assess overall financial wellbeing
Yes - has this feature

Financial health scoring available depending on implementation.

Debt Payoff Planning
Tools to create and optimize strategies for debt reduction
Yes - has this feature

Debt payoff/calculator tools included in money management modules.

Bill Negotiation Services
Features that help users identify and reduce recurring expenses
Yes - has this feature

Recurring bill detection and negotiation via aggregation/data analytics in PFM.

Tax Optimization Suggestions
Recommendations for minimizing tax liability based on spending and income

No information available

Financial Education Content
Availability of educational resources about financial topics
Yes - has this feature

Financial education content (personalized, articles, video) is available as part of customer engagement tools.

Subscription Tracking
Identification and management of recurring subscription payments
Yes - has this feature

Subscription tracking present in advanced PFM tools.

Historical Data Range
How far back the PFM tools analyze financial history

No information available

Credit Score Access
Free access to credit score information within the platform
Yes - has this feature

Free credit score access is available via integration with bureaus, subject to regional availability.

Credit Score Simulator
Tools that show how different actions might affect credit scores
Yes - has this feature

Platform supports bringing in credit score simulation tools if included by FI.

Loan Application Process
Ability to apply for loans entirely through the digital platform
Yes - has this feature

Loan origination flows are fully digital and available as standard modules.

Loan Application Speed
Average time from application submission to decision

No information available

Pre-qualification Tools
Features that assess eligibility for products without affecting credit score
Yes - has this feature

Pre-qualification/soft-eligibility flows are available as configurable modules.

Loan Management
Tools to view, manage, and make extra payments on existing loans
Yes - has this feature

Loan management (repayments, summary, early payoff) is part of back-end/front-end modules.

Credit Card Management
Specialized tools for managing credit card accounts and rewards
Yes - has this feature

Credit card management, including rewards, statement, and payment scheduling, is supported.

Interest Rate Comparison
Features that compare available interest rates across products
Yes - has this feature

Interest rate comparison widgets can be included in front-end templates.

Debt Consolidation Tools
Resources to help combine multiple debts into a single loan
Yes - has this feature

Debt consolidation advice and tool flows can be implemented using available modules.

Automatic Payment Options
Setup for automatic loan or credit card payments
Yes - has this feature

Automatic payment (autopay) for loans and cards is a standard feature.

Credit Limit Increase Requests
Self-service tools to request higher limits on credit products
Yes - has this feature

Self-service tools to request credit limit increases are available (subject to FI risk policies).

Personalized Loan Offers
Customized lending offers based on the customer's financial profile
Yes - has this feature

Personalized loan offers are displayed based on customer profile and eligibility.

BNPL Integration
Integration with Buy Now, Pay Later services for purchases
Yes - has this feature

Buy Now, Pay Later integration is available for retail banking use cases.

In-app Chat Support
Live chat functionality directly within the platform
Yes - has this feature

In-app chat support is a reference/live option in the banking client.

AI Chatbot Assistance
Automated conversational interface for answering questions and solving issues
Yes - has this feature

AI chatbot support (conversational interface) integratable via platform modules.

Video Banking
Ability to video conference with bank representatives
Yes - has this feature

Video banking module (video call scheduling and hosting with representatives) is supported.

Co-browsing Support
Feature allowing support staff to see and navigate the customer's screen
Yes - has this feature

Co-browsing/live assistance for customer agents is an available enterprise module.

Support Hours
Number of hours per day that live support is available

No information available

Self-service Knowledge Base
Searchable repository of help articles and guides
Yes - has this feature

Self-service knowledge base/in-app help center available.

Branch/ATM Locator
Tools to find nearby physical banking locations
Yes - has this feature

Branch and ATM locator UI widgets available.

Appointment Scheduling
Ability to schedule in-person or virtual meetings with bank staff
Yes - has this feature

Appointment scheduling can be implemented for in-branch or virtual meetings.

Feedback Mechanisms
Tools for customers to provide input on the banking experience
Yes - has this feature

Customer feedback modules are embedded in digital banking flows.

Support Request Tracking
System for monitoring the status of customer service inquiries
Yes - has this feature

Customers can view and track the status of their support tickets.

Average Response Time
Typical time to receive a response to support inquiries

No information available

Call-back Options
Feature allowing customers to request a call rather than waiting on hold
Yes - has this feature

Call-back request options are available as part of virtual branch or service modules.

Social Media Support
Customer service available through social media channels
Yes - has this feature

Social media support responses can be tracked and handled in integrated CRM solutions.

Open Banking API
Availability of APIs that allow third-party developers to build on the platform
Yes - has this feature

Open banking APIs are available for third-party developer access.

External Account Aggregation
Ability to pull in data from accounts at other financial institutions
Yes - has this feature

The platform supports external account aggregation via Open APIs or via Plaid/Yodlee, depending on country.

Number of API Endpoints
Quantity of different API services available for integration

No information available

Digital Wallet Integration
Support for Apple Pay, Google Pay, Samsung Pay, etc.
Yes - has this feature

Apple Pay, Google Pay and other wallet integrations are standard in the mobile app SDK.

Personal Finance App Connectivity
Direct integration with budgeting and financial planning apps
Yes - has this feature

Direct connectivity to financial planning and budgeting apps through open APIs.

Accounting Software Integration
Ability to connect with QuickBooks, Xero, or other accounting systems
Yes - has this feature

Can connect to accounting software through API connectors.

eCommerce Platform Integration
Built-in connections to online shopping and payment platforms
Yes - has this feature

eCommerce integration modules available for business banking clients.

Wearable Device Support
Banking functionality on smartwatches or other wearable technology
Yes - has this feature

Wearable device (smartwatch) support is available.

IoT Device Integration
Connectivity with Internet of Things devices for financial functions

No information available

Data Export Options
Number of formats available for exporting financial data (CSV, PDF, etc.)

No information available

Tax Software Integration
Direct connection to tax preparation software
Yes - has this feature

Direct integration with major tax prep software such as Intuit and others can be enabled.

Developer Sandbox
Testing environment for developers building on the platform
Yes - has this feature

Developer sandbox environment available for API and ecosystem experimentation.

Webhook Support
Ability to trigger automated actions in other systems based on banking events
Yes - has this feature

Webhook/event-driven integration available for real-time use cases.

Personalized Insights
AI-generated observations about spending patterns and financial behavior
Yes - has this feature

Personalized insights into spending, savings, and recommendations powered by AI analytics are part of the engagement module.

Product Recommendations
Personalized suggestions for financial products based on user profile
Yes - has this feature

Product recommendations and cross-sell modules are available based on user behavior and profile.

Predictive Cash Flow
AI forecasting of future account balances based on historical patterns
Yes - has this feature

Predictive cash flow AI modules are optionally available.

Smart Savings Features
AI-driven tools that automatically optimize savings based on spending patterns
Yes - has this feature

Smart savings recommendation and automation offered as a money management feature.

Voice Banking Assistant
Natural language processing capabilities for voice-based banking
Yes - has this feature

Voice banking assistant enabled via integration with Alexa, Google Assistant and mobile voice SDKs.

Personalized Interface
Dynamic UI that adapts based on user behavior and preferences
Yes - has this feature

Personalized user interfaces adapt based on user preferences and usage patterns.

Financial Habit Recognition
AI identification of patterns in financial behavior
Yes - has this feature

AI-powered behavioral analytics and financial habit recognition included in analytics modules.

Anomaly Detection
AI systems that identify unusual transactions or patterns
Yes - has this feature

Advanced anomaly detection (e.g., fraud risk, unusual transactions) can be enabled.

Smart Notification System
Contextual alerts based on user behavior and preferences
Yes - has this feature

Smart notification system provides contextual alerts to users.

Behavioral Analytics Capabilities
Advanced analysis of user interactions to improve experience
Yes - has this feature

Behavioral analytics are available for continuous improvement and personalization.

Custom Financial Advice
Personalized financial guidance based on individual circumstances
Yes - has this feature

Personalized financial advice is provided via AI and configurable rule-based systems.

Life Event Detection
AI recognition of major life changes from transaction patterns
Yes - has this feature

Major life event detection (e.g., change of job, major payments) is part of advanced AI analytics.

Customer Segmentation Granularity
Number of distinct customer segments the AI can identify for personalization

No information available

System Uptime
Percentage of time the platform is operational and available

No information available

System Response Time
Average time for the system to respond to user requests

No information available

Concurrent User Capacity
Maximum number of simultaneous users the system can support

No information available

Disaster Recovery Time
Time required to restore service after a major outage

No information available

Update Frequency
How often the platform receives feature updates and improvements

No information available

Backward Compatibility
Whether updates maintain compatibility with older devices and OS versions
Yes - has this feature

Platform design supports backward compatibility for browser/OS support on front-end modules.

Cloud-based Architecture
Whether the platform uses cloud infrastructure versus on-premises
Yes - has this feature

Backbase is cloud-native, with multi-cloud and hybrid deployment options.

Multi-region Deployment
Platform operation across multiple geographic regions for redundancy
Yes - has this feature

Multi-region deployment is supported for high-availability and disaster recovery.

Microservices Architecture
Use of modular, independently deployable services
Yes - has this feature

Uses microservices-based architecture for modular deployments.

Database Performance
Speed of database queries and transactions

No information available

API Rate Limits
Maximum number of API calls allowed per minute

No information available

Monitoring Coverage
Percentage of system components under active monitoring

No information available

Data Backup Frequency
How often system data is backed up

No information available

Automated Testing Coverage
Percentage of codebase covered by automated tests

No information available