This document discusses the need for banks to shift to a customer-centric "Bank 2.0" model with a focus on customer experience. It introduces Backbase as a provider of customer experience solutions for banks, including a Bank 2.0 portal that allows banks to create a seamless, optimized customer experience across devices. The portal provides features like personalization, multi-device access, and integration with core banking systems. Backbase also offers portal management tools that give business users control over the online customer experience.