Backbase Product 101 - Digital Banking Solutions | Backbase

**Understand the Backbase Product** **Backbase\'s main solutions, Digital Banking, Digital Onboarding, and Digital Lending supported by Digital Assist and Digital Engagement, are powered by a single platform - Engagement Banking Platform.** This provides Financial Institutions (FIs) with the abilit...

**Understand the Backbase Product** **Backbase\'s main solutions, Digital Banking, Digital Onboarding, and Digital Lending supported by Digital Assist and Digital Engagement, are powered by a single platform - Engagement Banking Platform.** This provides Financial Institutions (FIs) with the ability to optimize all interactions across all channels, business, and product lines. Our products have been built to cater to the specific needs of different business lines FIs serve (Retail, Business, and Wealth). The product is developed with use cases for these business lines in mind to support FIs in driving conversion, engagement, and growth all while minimizing costs. **Product Strategy** Financial Institutions are able to achieve a truly unique digital banking experience as well as a quick time to market by leveraging our **Adopt **or** Build Methodology**.  They can **Adopt** to go fast and lock in early success by staying close to the product. Alternatively, FIs have the freedom and flexibility to innovate, when and where needed, with the provided accelerators and tools to **Build** new and bespoke capabilities and truly differentiate them from the competition. **Lines of Business** Backbase's **Digital Banking solution**, powered by the **Backbase Engagement Banking Platform**, covers everything a Financial Institution needs to run a digital bank. It is not merely a point solution that caters to just one line of business.  In terms of expansion and growth, our Digital Banking solution supports any Financial Institution\'s digital transformation from any line of business (e.g. Retail, Business, Wealth) and gives the freedom to expand to the rest as FI\'s scale up. **Banking Products** In terms of banking products, our solution adds an extensive range of digital capabilities to every one of the FI\'s product lines and creates a customer and employee experience that is seamless and consistent. Here is a brief overview of our apps and digital banking capabilities (more on Employee and Engagement Apps later on in the course).  **Banking Apps** The Backbase Banking Apps are end-to-end solutions that support out-of-the-box functionalities for both customers and employees. Both in terms of functionality and User Interface (UI), the apps are **pre-configured for the market of a specific geographic region**. The apps use existing Backbase frontend and backend components such as **journeys **and** services**. These components are combined in a fully functioning web or mobile application that seamlessly integrates with the backend. Built on the Engagement Banking Platform, the apps have an exhaustive set of banking features that are complete and quick to deploy. They also allow for the flexibility of catering to business priorities via theming and configuration options. Apps provide the following benefits: 1. Front of card 2. Front of card 3. Front of card 4. Front of card 5. Front of card 6. Front of card **Banking Journeys** Banking Apps provide **pre-configured **and** pre-integrated Customer Journeys **for** web, iOS, **and** Android** that can be used for any kind of banking product or service. These journeys are specifically built to provide and support every banking capability that is expected by the customer - as well as those that go all the way beyond banking. With these journeys readily available to be deployed, long development cycles are now a thing of the past.  These journeys can be as diverse as logging in to make a payment, creating a new contact, setting up a savings goal, or splitting a bill with friends. **Theming Capabilities** Theming options allow banks to reflect their brand and showcase their values. At the same time, customers have user experiences that adhere to a bank\'s business priorities on any channel (iOS, Android, or on the web).  This is achieved via guidelines, tools, and resources readily available for designers and developers (such as our Design System embedded across our products). **Configuration Capabilities** Bringing the brand to life is a lot more than just being able to present brand colours, icons or style. With Configuration Capabilities, banks gain the ability to define how they would like customers to experience various journeys with the ability to show or hide data, the experience of UI components or define user journeys to suit their needs. **FinTech Partners** Open by design, we have curated the best FinTech partners to complement the Backbase platform to help drive the FI\'s product and service innovation even faster and make it simple to go live. In addition to our pre-integrated selection of options, FI\'s are also able to integrate their own selection. **Understand Digital Banking - Retail Banking** The **Backbase Digital Banking** - **Retail Banking solution** is an engagement banking solution that is designed to: - - - Working in tandem with other Backbase products, it provides out-of-the-box customer banking journeys and capabilities across multiple channels - web app, mobile, branch, or in kiosks. This solution is ready to be deployed with Backbase-as-a-Service and is a completely managed cloud platform specifically designed to help banks fast-track innovation. **Licensable Products Overview** Our licensable products fall into two categories: - - **Standard Bundle and Add-Ons for both editions ** Standard bundles have a number of capabilities included by default, and are licensed as one product. This includes the following capabilities: - - - - - - - - - - - - - - - - **Universal Add-Ons** Add-ons are licensed on top of a Standard bundle and are priced per item. Some of them are based on a partner service and are subject to special terms & conditions. - - **USA Add-Ons** - - - - - - - **What\'s in it for the Customers?** Backbase provides Retail Banking journeys that include all the essential banking capabilities, as well was those that go all the way beyond banking. Here is a quick visual rundown:  **Looking for more?** You can navigate to our Product Hub to learn and explore about our Digital Banking Retail journeys [**[Digital Banking R\...](opens in a new tab)**](https://backbase.io/products/digital-banking/retail) [****](https://cdn5.dcbstatic.com/files/a/c/academybackbase_docebosaas_com/1739642400/VNh6joyK8nY0BxW5BCn-GA/scorm/f0cb820b54b98f61988ee0942d7722789a1b4dc0173e37e9efbd902535bb0147/scormcontent/index.html#/lessons/bScpzEzvzA_hg5wc5K1wO2NzoAiprq55) **Understand Digital Banking Business** Today's bank must be a proactive advisor to its clients. Business banking customers expect a 360º view of their cash position, instantly available. They expect user-friendly experiences across all channels, whether they are digital (online banking, mobile apps) or physical (branches, ATMs, kiosks). Backbase Business solution combines industry-leading user experience design and interfaces with high-grade technology. Our Business Banking solution is easy to use, compliant, secure, and ready to go. It provides a seamless digital experience that can be easily tailored and customized to the FI\'s specific needs. The two most important elements our Business Banking solution offering to the FIs are the following: **Full Control over Digital Strategy** \+ **One-Stop-Shop for Digital Banking Apps** \+ **Turn Key Business Banking** Backbase apps in this case are aimed at bigger and more complex customers, while the journeys are still easy to use and extremely powerful at the same time. **Licensable Products Overview** Our licensable products fall into two regional editions: - - **Universal and USA Editions - Standard Bundle and Add-Ons** **Standard bundles** in both Universal and USA Editions have a number of capabilities included by default and are licensed as one product. This includes the following capabilities: - - - - - - - - - - - - - - - - - - **Add-ons** are licensed on top of a Standard bundle and are priced per item. This includes: - - - - **What\'s in it for the Banks and Customers?** Backbase provides Business Banking journeys from bill payments and payroll to invoicing and card management.  Here is a quick visual rundown:  **What\'s in it for the Employees?** Some of the highlights of Backbase\'s comprehensive set of corporate banking journeys that can be used out of the box by the employees are the following: **Understand Digital Banking - Wealth** The **Backbase Digital Banking Wealth Management solution** enables Financial Institutions to rapidly deliver end-to-end digital wealth management for clients as well as employees. The Backbase Digital Banking Wealth Management solution provides **dozens of pre-built capabilities** with world-class UX design, that are easily **configurable and extensible**. **Licensable Products Overview** Standard bundles in our Universal Standard Edition have a number of capabilities included by default, and are licensed as one product. This includes the following capabilities: - - - - - - - - **What\'s in it for the Customers?** Backbase\'s Wealth Management apps include a combination of journeys with generic configurations that are not tied to any specific geographic region. The following is the visual overview of the capabilities: **Understand Digital Onboarding**  Backbase's Digital Onboarding is a** modern Onboarding and Origination solution**, designed to optimize the customer experience, scale operations, and maximize the business agility of financial institutions. **Onboarding refers to signing up new customers, and Origination refers to product origination, that is, a bank customer activating a new product, such as a card, account, or loan.** To help banks provide a modern user experience to their customers whilst onboarding or originating new products, Backbase **Digital Onboarding** offers a variety of **Customer Flows** as well as **employee-facing capabilities**. **Explore more in-depth details via the hotspots below.** 1. 2. 3. - - - - 4. 5. 6. 7. Backbase Digital Onboarding empowers Financial Institutions to digitize all of their processes while ensuring fast time to market and flexibility to tailor the solution to their specific needs.  The solution is grouped into **three core functions**: - - - **Customer Flows (Onboarding)** Backbase offers a number of pre-built flows which we refer to as **Customer Flows **(you may also hear these referred to as **Product Flows**).** ** This offer experiences your customers love with unique flows that suit your business processes.  We currently offer these flows in two categories: - - - - - - - **Core Journeys** Core customer onboarding and origination journeys can be used for various kinds of banking products or lines of business. These journeys are specifically built to provide and support the banking capabilities that customers expect. By adopting these journeys, banks, and financial institutions reduce time to innovation. These journeys can be as diverse as Identity & Verification to do customer onboarding to Credit Score for applying for a product. The list on the right shows the ever-growing range of available out-of-the-box journeys that can be used together with the platform capabilities to deploy any type of Digital Onboarding Flow. (More on Platform Capabilities in our chapter on Engagement Banking Platform.)  **These are common core journeys that are complemented by business-specific journeys.  This is not an exhaustive list.  Refer to Product Hub for the currently available Journeys.** **Reusing Core Journeys** The diagram above shows how banks and credit unions can adopt prebuilt Journeys across different Flows and add custom-built ones, allowing for full reusability, scalability, and acceleration. **The diagram above shows how banks and credit unions can adopt prebuilt Journeys across different Flows and add custom-built ones, allowing for full reusability, scalability, and acceleration.** **Journey Documentation (Onboarding)**  The Journeys we\'ve mentioned above are documented officially as part of [[Product Hub(opens in a new tab)]](https://backbase.io/products/).  View this resource to learn more about the functionalities of the Journeys available to you, including: - **Joint accounts** - **Beneficiaries** - **Consumer Report** - **Credit Score** - **\...and many more** [[Click here to view the entire **Digital Onboarding Journey** catalog(opens in a new tab)]](https://backbase.io/products/digital-onboarding/journeys?device=both) [[\ ]](https://cdn5.dcbstatic.com/files/a/c/academybackbase_docebosaas_com/1739642400/VNh6joyK8nY0BxW5BCn-GA/scorm/f0cb820b54b98f61988ee0942d7722789a1b4dc0173e37e9efbd902535bb0147/scormcontent/index.html#/lessons/wwPVHhTlYopFSf_jsJ5TwhWHbp2CWGai) **Understand Digital Lending** Backbase's Digital Lending is a **modern loan origination solution**, designed to provide a fast and frictionless customer experience that boosts conversions -- all while lowering cost for financial institutions. Digital Lending uses the same mechanisms as **Digital Onboarding**, specifically the **Backbase Flow** technology, which we covered in the previous module.  Again, it involves three core functions: - - - Review the previous module if you have any questions about the above functions. **Customer Flows (Lending)** Backbase offers a number of pre-built flows which we refer to as **Customer Flows **(you may also hear these referred to as **Product Flows**).** **  This offer experiences your customers love with unique flows that suit your business processes. We currently offer these flows in two categories: - - - - - - **Journey Documentation (Lending)**  Journeys are documented officially as part of [[Product Hub(opens in a new tab)]](https://backbase.io/products/).  View this resource to learn more about the functionalities of the Journeys available to you, including: - **Credit Risk Assessment** - **Car Valuation** - **Pre-Qualification Decisioning** - **Eligibility Questionnaire** - **\...and many more** [[Click here to view the entire **Digital Lending Journey** catalog(opens in a new tab)]](https://backbase.io/products/digital-lending/journeys?device=both) [[\ ]](https://cdn5.dcbstatic.com/files/a/c/academybackbase_docebosaas_com/1739642400/VNh6joyK8nY0BxW5BCn-GA/scorm/f0cb820b54b98f61988ee0942d7722789a1b4dc0173e37e9efbd902535bb0147/scormcontent/index.html#/lessons/BeglidBFq4HLZPYsRwBY-j4KMtLW4mPa) **Understand Digital Assist** Dealing with multiple legacy processes and systems, lacking a single overview of clients, as well as having to deal with multiple tools and logins, are some of the pain points of financial institutions\' customer service.  Our **Digital Assist product line** aims at solving these issues both for front-office **Customer Support Representatives (CSRs)** and back-office Bank Administrators. As a key part of the **Engagement Banking Platform**, our **Digital Assist** product line** **contains all the apps and tools that enable bank employees to provide exceptional customer service utilizing functionality from across the Backbase Platform. The Digital Assist product line.  Note: Digital Sales refers to Digital Onboarding and Lending **The Digital Assist product line.  Note: Digital Sales refers to Digital Onboarding and Lending** **What is the Employee App?** **The** **Employee App is a ready-to-go application built for core customer support journeys for banks and financial institutions**. The turn-key app is filled with end-to-end out-of-the-box journeys serving a wide range of banking roles, ranging from CSRs to tellers to advisors. These are based on industry-leading UX research with a full set of customer support features. As support capabilities, these journeys both lower the cost of contact and make for productive teams by digitizing processes. **Employee App Personas** The **Employee App** is created to cater to the needs of three key personas - a customer support representative, a bank admin, and a case manager.  ***Click each flip card to learn more.*** 1. Front of card 2. Front of card 3. Front of card **Employee App Workspaces** A Workspace is a group of related functionalities designed for a particular Employee App persona. In the UI, a workspace is represented by a separate tab in the top menu. Depending on the edition, the app can provide the following: 1. Front of card - General mode: the default mode when a specific service agreement hasn't been selected. - Service agreement mode: the mode when a specific service agreement has been selected. 2. Front of card - General mode: the default mode when a specific user hasn't been selected. - User mode: the mode when a specific user has been selected. 3. Front of card - General mode: the default mode when a specific case hasn't been selected - Case mode: the mode when a specific case has been selected.  Using these dedicated areas of activity - and with a distinct separation between them - bank employees are able to instantly navigate multiple workspaces and access what they need to complete the task at hand, whether it be providing support or bank admin operations. **All case manager functionalities mentioned here are only available with the additional purchase of Flow.** **Flow accelerates and optimizes the development of Digital Sales customer flows in a digital banking context. It is a modern, user-focused workflow solution that is fully integrated into the Engagement Banking Platform.** **Employee App Journeys ** **Customer Support Journeys** CSRs have the capability to assist in solving customer issues and engage with customers with a 360° view of the activity and history. Powered by the Backbase Engagement Banking Platform, CSRs have complete insight into customer history. **Bank Administration Journeys** These journeys provide the ability for banks to enrol customers from the core banking system, create users for them, manage access and entitlements, manage customers\' online experience all from one place, and perform other actions that require a higher level of access than the one a regular support agent has.  **Essential vs. Premium Editions** As already stated, the **Employee App **comes in two editions, designed to better cater to a particular bank's needs: **Premium **and** Essentials**. The** Premium Employee App** provides all available functionalities arranged by the OOTB customer support and bank admin workspace. The Essentials edition delivers only key functionalities in a unified customer support and bank admin workspace, referred to as Essentials workspace. Both the premium and essential editions also support adding an optional **Case manager** workspace. This includes functionalities from Flow's Onboarding flows. [[(opens in a new tab)]](https://docs.google.com/spreadsheets/d/1akvMVylEV9BA14ERfVow5KocmCqoXCBh7DMA-thjOHM/edit#gid=313318292) [[\ ]](https://cdn5.dcbstatic.com/files/a/c/academybackbase_docebosaas_com/1739642400/VNh6joyK8nY0BxW5BCn-GA/scorm/f0cb820b54b98f61988ee0942d7722789a1b4dc0173e37e9efbd902535bb0147/scormcontent/index.html#/lessons/h-RAZ5qr0lP-3tyui6HATaHS0qnm9yD2) **What is Case Manager?\ ** **Case Manager** is designed for bank employees responsible for** monitoring and participating in customer journeys,** such as enrolling into the online banking system. Case Manager functionalities allow banks to facilitate and automate tasks such as performing a background check of a new customer, uploading documents for review, and others. For better focus and organization, this workspace includes two modes - the general mode and the case mode. The general mode is the default one and is not tied to a specific case. The case mode is tied to a case and is available once the case is selected. **Customer Case Dashboard** As a part of our **Digital Assist **offering, the **Case Manager is the ideal complement to Digital Onboarding and Digital Lending**. Bank personnel are equipped with a centralized customer case dashboard that provides them with insights on open tasks and cases that need attention. That way bank personnel can understand the performance of their team at a glance and be better equipped to drive improvements. **360° Case View** The **Case Manager** uses the case data throughout a full customer flow, providing a single source of truth and hence a comprehensive 360° view of a case for bank employees. As a result, we help remove data silos and enable bank personnel to be more efficient and make better decisions when serving customers.  **Task Management** In more complex processes (e.g. small business loans or mortgage applications), multiple bank employees may be required to perform user tasks. In those scenarios, Backbase streamlines those workflows automatically. Bank employees can track tasks from beginning to end, delegate subtasks to teammates, set deadlines to make sure customer cases get completed on time, and have visibility on who is working on what task.  **Document Management** Backbase provides a pre-built **Document Request Journey** allowing to create document requests either manually through the Case Manager or automatically, driven by the Process Engine. For each document request, a task is generated to be completed by the customer within the Application Centre. This ensures a secure exchange of information and that only the relevant information is asked from the customer. **Comments** The **Comments** capability is leveraged in many places throughout both customer and employee-facing experiences. For bank employees, it allows for communication with co-workers and customers on multiple levels; within the context of the case, the task, or the document.   **Event Log** The **Event log** shows the history of a case, listing all the important events that occurred within the context of the case. This provides a wider narrative for the Customer Service Representatives reviewing the case.  **Business Process Analysis** The **Process Engine** drives all processes and decisions throughout the lifecycle of a product application.  For all processes, sub-processes, and all of their respective versions, a heat map can be rendered, visualizing the number of times a particular step was executed. This is especially relevant in quickly understanding the critical path of the process while the former is required to understand where the bottlenecks are.  **Audit Capability** For regulatory compliance and IT security, it is required to have full traceability of every decision made as part of your product application processes.  By default, all these case and process events are stored as an audit record within the Audit Capability. Within the employee-facing experience - given the user has sufficient permissions - we visualise the audit reports to bank employees. To structure the audit trail and simplify searching and filtering, each record has a category, type, action, and status. Audit records are generated when a task (either automated or manual) was completed, a decision was made, a documented uploaded, case information was modified, etc. **Access Control** Backbase Digital Sales is leveraging the Identity & Access capabilities as part of the Backbase platform. As a result, Banks can control the permissions of their bank employees in a highly fine-grained manner.  For instance, Access can be controlled based on the case type (investment loan vs. line of credit, case assignment, task type or task groups) and provide employees with a subset of the information or business functions available, as opposed to the full set. For example, an employee specialised in property valuation does not need access to the financial statements of the corporate customer.  [[\ ]](https://cdn5.dcbstatic.com/files/a/c/academybackbase_docebosaas_com/1739642400/VNh6joyK8nY0BxW5BCn-GA/scorm/f0cb820b54b98f61988ee0942d7722789a1b4dc0173e37e9efbd902535bb0147/scormcontent/index.html#/lessons/xdGFNR-TpE7tPmVj9VACw5454y3ALaTG) **Backbase Digital Engagement** The **Backbase Digital Engagement solution** helps Banks and Credit Unions to provide best engagement experiences to their customers and marketing teams. It covers everything from campaigns and announcements, to innovative capabilities like real-time engagements, personalisation, audiences, and team collaboration. Digital Engagement consists of an exhaustive set of features whose aim is to **enable marketing teams to engage with customers through various engagement channels** such as messages, notifications and banners. As the focal part of this solution, Backbase provides a turn-key **Engagement App with ready-to-go, end-to-end engagement channels and journeys** that can be quickly adopted. (More on Engagement App in the following chapter!) **Digital Engagement Platform** The Backbase Engagement platform enables interactions with consumers across various digital channels. A powerful data ecosystem allows marketers to create target audiences, craft memorable experiences, and engage where the conversation is at.  Backbase Digital Engagement Offering As seen in the image above, at high level, **four parts** make up the Backbase Engagement offering: **Engagement App** \+ **Engagement Channels** \+ **Engagement Services** \+ **Engagement Preferences** \+ Working **in tandem**, they enable collaboration between marketing employees to launch personalised campaigns and engage with customers in real time. Our **intelligence suite** provides detailed metrics on impressions, engagement and conversions across channels. This enables financial institutions to examine and refine campaigns and engagements without the guesswork. On the other hand, banking customers can manage their preferences as to how, when, and where they would like to be engaged with. Backbase Customer Engagement is ready to be deployed with **Backbase-as-a-Service** and is a completely managed cloud platform specifically designed to help banks fast track innovation. **Engagement journeys for customers and marketing teams are pre-configured and pre-integrated right out of the box with a full set of journeys for web, iOS or Android.** **What is the Engagement App?\ ** **The** **Backbase Engagement App is a productised application built around core customer support journeys which utilises functionality from across the Backbase platform**.  The Engagement App aims to empower marketing teams by facilitating their day to day operations. **The app is focused on**: - - - It comes in 2 packages: - - **Empowering Marketers - How It Works\ ** With the Engagement App, **a digital marketer can quickly craft relevant, engaging content**. But it\'s not just limited to running marketing campaigns. **Teams can control and optimise various engagement journeys** within their digital apps **as real world events occur**. Every time a user is taking any action in their digital banking apps, marketing teams can **capture the data and the associated trigger events** which can then be leveraged to further drive contextual engagements. A powerful data ecosystem allows teams to analyse delivery and engagement **metrics**. With this information, teams can easily tweak, optimise and re-engage with users. They can reach customers with relevant content, help upsell other products, as well as drive more product adoption. **Engagement Journeys\ ** The Engagement App comes preloaded with the most used **engagement journeys** we see in the market. Not only does the Engagement App come preloaded with **engagement templates**, but also the end user experiences are pre-configured and pre-integrated right out of the box in Backbase Retail, SME, Corporate and Wealth apps.  With these journeys readily available to be deployed, long development cycles are now a thing of the past. Banks can rapidly unlock value and gain competitive advantages by bringing essential, enhanced, and beyond banking experiences right into the hands of customers.  **Engagement Channels\ ** The Engagement App enables users to interact and engage with Retail, SME, Corporate, and Wealth banking users on a variety of different engagement channels. These range from notifications, SMS, emails, and banners to rich notifications that we call nudges where a user has an instant call to action when notified about something. The Engagement App helps orchestrate all of the following: - Reach customers where they want to be engaged - where the conversation is at.  - Deliver customer-centric experiences backed by industry-leading data and security practices. - Boost mobile app adoption and lifetime value with data-driven marketing. - Give customers more ways to stay connected to their money. - Make every customer experience personal. Send valuable, intuitive, and proactive real-time messages on any device or channel --- from push notifications and in-app messaging to email and SMS. [[\ ]](https://cdn5.dcbstatic.com/files/a/c/academybackbase_docebosaas_com/1739642400/VNh6joyK8nY0BxW5BCn-GA/scorm/f0cb820b54b98f61988ee0942d7722789a1b4dc0173e37e9efbd902535bb0147/scormcontent/index.html#/lessons/ISm-3mSVVIMJldAjOBf688ayOeDW7zWG) **Understand the Engagement Banking Platform** The Backbase Engagement Banking Platform (**EBP**) is the** foundation for every Backbase solution.** It includes all the software components, tools and capabilities required to develop a Digital Banking, Digital Onboarding and Lending, Digital Assist or Digital Engagement solution. The Platform is an **enabler** for these applications.  The Backbase Platform provides a **cloud-ready, omni-channel** digital banking platform that helps financial institutions to create, manage, and optimise digital customer experiences across multiple channels. Similar to platforms like Shopify and Uber Eats, Backbase's single platform allows FIs to aggregate value from their core systems, Customer Relationship Management systems (CRMs), open banking APIs and FinTechs to orchestrate value and experiences for the end customer. **EBP Platform Capabilities** The following image shows an overview of Backbase Engagement Banking Platform services. Engagement Banking Platform Services **Engagement Banking Platform Services** The entire Backbase Platform is always made available to customers when they license Backbase product lines, but only for the purpose of the Business Functions described in their licensing agreements. The only exception is Flow, which is added only when Digital Onboarding or Lending is licensed. **Below, we will give you a quick overview of some of the major capabilities provided in the Engagement Banking Platform, but we will also go into more detail about these in our Architecture 101 training.** **Foundation Capabilities** Built on a state-of-the-art cloud native microservices architecture, EBP comes with a wide range of API-first capabilities. These capabilities enable FIs to cover the complete customer lifecycle digitally, ranging from onboarding to customer servicing as well as cross- and up-selling. Foundation Services is a collection of capabilities to support banking infrastructure and core platform requirements. More on this in the following chapter. **Identity & Access Capabilities** Backbase Identity Services is a suite of services designed to offer Identity and Access capabilities. It is a modern, user-focused identity management solution intended for the authentication of users in a digital banking context. Identity Services is fully integrated into the Backbase Platform. It makes it easy to authenticate users and secure web and native mobile apps. Both the Digital Banking Apps and Digital Sales Flows leverage the same ecosystem of Identity capabilities - for example, using a common Identity & Access Management Tool. As shown previously, both solutions are shipped end-to-end and, where applicable, are pre-integrated with the relevant third-party FinTech. **Design System (Web & Mobile)** The Backbase Design System for Web and Mobile is the only Design System uniquely suited for digital banking experiences. It is an underlying system incorporated across all our products that enables efficient styling and consistent UI across platforms. The Backbase Design System is a collection of assets (Themes, Sketch Design Files, coded UI Components), guided by clear standards that can be assembled together to build any number of applications. The unique goal of the Backbase Design System is to help both Backbase and Backbase customers develop superior experiences for end-users by standardising the approach to styling (theming) with design tokens and by reusing components across platforms. **Flow Platform and Services** Flow Platform is the technology powering our Digital Sales offerings. Flow Services are the services which power the Onboarding & Origination journeys that the customer will go through (bank enrolments, loan applications, and many other). These will be discussed in more detail in one of the following chapters. **Web, Mobile and Service SDKs** A Software Development Kit (SDK) is a set of tools that provides a developer with the ability to develop on the Backbase Platform - that is to say, to quickly and efficiently generate new capabilities.  These, for example, can refer to the functionality you see in the Apps or the one used to execute business logic. The SDKs guarantee the same platform fabric is used and best practices are followed, making any type of developed functionality fit seamlessly in the Backbase ecosystem. Native iOS SDK: Objective-C & Swift Native Android SDK: Java & Kotlin Web SDK: Angular Service SDK: Java & Spring [[**Click here for more information about the platform at Product Hub**(opens in a new tab)]](https://backbase.io/products/platform) [[\ ]](https://cdn5.dcbstatic.com/files/a/c/academybackbase_docebosaas_com/1739642400/VNh6joyK8nY0BxW5BCn-GA/scorm/f0cb820b54b98f61988ee0942d7722789a1b4dc0173e37e9efbd902535bb0147/scormcontent/index.html#/lessons/jp5v4AufPS0Wx3N48jE1hL6ThJYarLpd) **BaaS and ModelBank (Not Independent Products)** Before we wrap up our tour of Backbase\'s products, we\'d like to cover two additional topics that are closely related to our products, while not being independent products in and of themselves, **BaaS** and **ModelBank**.  You will likely encounter both of these implementations as part of your work at Backbase, and we will explain their relationship with the **Engagement Banking Platform** as part of future training. **Backbase as a Service (BaaS)** Backbase as a Service consists of a set of products and services that are part of Backbase's cloud-based services model aimed at providing financial institutions with instant execution power.  BaaS is not a single product, but rather a comprehensive set of products and services that encompasses the building, deployment, and maintenance of entire Backbase banking product. BaaS is an important component of our **Managed Hosting Services.** It also forms the foundation of the services offered by the Engagement Banking Platform, which we discuss further in Architecture 101. **ModelBank** ModelBank is a functioning web and/or mobile application that utilizes the pre-existing, out-of-the-box functionalities of the Backbase Software without customizations, working end-to-end on a BaaS stable environment. **ModelBank**, like BaaS, is not a product, but rather an opinionated, reference implementation for a product offering: It comes with out of the box journeys and flows pre-configured. And it is built and configured to work in the cloud on BaaS (with supporting devops processes). ModelBank is meant to give customers fast time to market by reducing the amount of features that need to be built.  As such, it is an important part of the **Adopt** strategy when deciding the best methodology to choose for a project. There is an entire course - ModelBank 101 - dedicated to this topic in your Learning Plan, which you can view to learn more about the benefits to this approach. [[\ ]](https://cdn5.dcbstatic.com/files/a/c/academybackbase_docebosaas_com/1739642400/VNh6joyK8nY0BxW5BCn-GA/scorm/f0cb820b54b98f61988ee0942d7722789a1b4dc0173e37e9efbd902535bb0147/scormcontent/index.html#/lessons/fDyzkiikJ5rPZx-5g_rUN3vkhHQW4pYV)