Jouk
Pleiter
Banking is entering its biggest transformation since the internet.
Jouk Pleiter is the founder and CEO of Backbase, writing on the operating model that lets agents do the work while banks stay in control.
ESSAYS
Mythos arrived: is your architecture ready?
A new frontier model lands and the same ritual plays out: task force, pilot, eighteen months, still a pilot. The model was never your bottleneck.
JUN 2026
You can run a bank with 500 people and 5 million customers. Architecture is the only variable.
For 50 years banks have been organised around the account, the ledger and the product. That construct is now the constraint.
JUN 2026
AI transformation is on the top of everyone's mind right now, but no one has the roadmap.
Everyone is wrestling with the same question: how to move AI out of pilot and into production. Start with the customer resolution loop.
MAY 2026BOOK
AUTUMN 2026The case for moving banking from digital access to intelligent action: how agents open accounts, move money and resolve disputes inside the bank’s own controls, on the bank’s own data, with every step recorded.
LEARN MOREABOUT
Founder and CEO of Backbase. Amsterdam. Building since 2003.
I started Backbase with a narrow idea: the software a bank puts in front of its customers should be as good as the best software they use anywhere else. Today I spend most of my time on the same question in a new form, which is what a bank can safely delegate to an agent, and what it must keep.
- Founded Backbase, Amsterdam
- 2003
- Engagement Banking Platform
- 2019
- Agentic banking, and the book
- 2026