Very simple generalisation:
A bank frontend: everything you, as a customer, see. You can see your accounts. You can see your bills being paid. You can see when you sent your granddaughter something for Christmas.
A bank backend: the system that actually does anything. That communicates with other banks. That keeps track of your check book. That knows where you live and which accounts are actually yours. That keeps track of which bank office you went to when you first signed up for their services. And so on.
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