Deep Banking

Made Possible by Moneythor AI

Your data is already there. We bring the logic and AI to put it to work, powering the personalised experiences and proactive engagement that define Deep Banking.

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81%

Satisfied Users

Sales Conversions

-22%

Reduced Customer Support

OUR CLIENTS

DEEP BANKING

To truly engage customers, banks must go deeper, by delivering experiences that are:

Personalised

Individualised insights, actions, and content tailored to each customer.

Proactive

AI-powered experiences that anticipate needs and act in real time.

Go beyond banking

Supporting lifestyle goals with features like rewards, referrals, and gamification.

OUR PLATFORM

Moneythor’s personalisation platform is designed to deliver deeper experiences throughout the customer journey.

Money management

With over 115 use cases, from spend categorisation to rewarding savings goals, Moneythor has the tools to help you boost customer engagement.

Loyalty & Rewards

Going beyond banking means integrating lifestyle elements into the banking experience. And it’s not just about cashback and miles, it includes concerts, challenge points, and even NFTs.

EXPLORE

MADE POSSIBLE BY AI

Moneythor’s AI Capabilities

Predictive AI

Moneythor’s AI engine has used advanced algorithms and machine learning since our inception to deliver data enrichment and smart cash flow forecasting, proactive engagement and contextual recommendations.

Generative AI

Moneythor’s Code Sidekick which can be prompted by business analysts to create the advanced logic banks need to deliver personalised experiences, and Content Sidekick which helps to deliver another level of personalisation in messaging.

Conversational AI

Delivers intelligent, real-time customer and/or bank staff interactions through in-app conversational assistants, guiding users with personalised advice, financial insights, and more.

Agentic AI

Moneythor brings agentic AI into the hands of bank staff by surfacing intelligent, adaptive customer journeys and conversation starters for your Relationship Managers. These journeys are dynamically powered by LLM-based decisioning and real-time data, enabling staff to guide customers with greater personalisation and precision. While the system optimises and evolves autonomously in the background, human advisors remain in control.

Personal Financial Management (PFM)

Make customer’s financial lives easier and drive real engagement with modern Personal Financial Management (PFM) features.

Provide captivating interactions to clients, aid them in improving their financial well-being while simultaneously boosting retention and loyalty. PFM use cases natively offered by the Moneythor solution include advanced transaction categorisation and enrichment techniques, spending budgets, savings goals, predictive cashflow analysis, as well as the production of tailored contextual insights.

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What makes Moneythor different?

CONFIGURABLE

Let Moneythor handle the plumbing (orchestration, AI, infrastructure) while your teams build differentiated experiences, tailored to your customers and strategy.

QUICK TO MARKET

With fast integration and AI capabilities, you can launch new personalised experiences, quicker than ever.

PURPOSE BUILT

Unlike general-purpose personalisation platforms, our AI capabilities are built specifically for the needs, logic, and data models of financial institutions.

FULL JOURNEYS

Our AI interacts, predicts, suggests, and acts on behalf of the bank or individual customers throughout their journeys to deliver deep banking experiences.

ENTERPRISE READY

Rapidly plug into a variety of Generative AI platforms and fine-tuned Large Language Models with minimal friction and in a secure and compliant manner.

EXPERIENCED TEAM

Moneythor was founded 10 years ago. We know what works and what doesn’t.

“We are dedicated to providing New Zealanders with truly customer-centric imoney management solutions to help them achieve their financial goals. We were pleased to find in Moneythor a technology solution provider sharing our vision around financial wellbeing, and to implement their configurable platform to power several of Savvy’s best-in-class and highly engaging experience for our customers.”

Diana Papadopoulos, Chief Customer Officer, Booster

“Our partnership with Moneythor gives Ta3meed a competitive edge in enriching its PO Financing offer with smart loyalty features and personalised recommendations, differentiated through innovation, customer experience and reliability.”

Mohamed Alomayyer, CEO and Co-Founder, Ta3meed

“Our personal recommendation service “LiFit” has been implemented with the Moneythor solution. With LiFit, we are going to achieve better communications across both physical and digital channels, rebuild closer relationships with our customers, and provide improved customer experiences.”

Jiro Yasuda, Corporate Officer & General Manager, IT Management Division, The Ogaki Kyoritsu Bank

Resources

What is Deep Banking?

Traditionally, banking has been transactional, with customers interacting with their bank only at key moments [...]

Moneythor and Grover Consult Partner to Bring Deep Bank …

Moneythor’s SEA clients include DBS, Standard Chartered and Trust Bank Partnership to deliver ‘deep banking’ [...]

La era de “deep banking” llega a América Latina co …

La llegada refleja la demanda de “deep banking” en toda la región Enrique Ramos O’Reilly, [...]

In The Era of Deep Banking, Moneythor Launches in Latin …

Moneythor’s global clients include Standard Chartered, DBS, ANZ & NAB Ex-Temenos head Enrique Ramos O’Reilly [...]

Personalised Features | Moneythoore Chiba Bank | moneythor.com

Chiba Bank Launches Personalised Features and Insights …

Chiba, Japan & Singapore – [25/10/2024] – Chiba Bank, one of Japan's leading regional banks, [...]

千葉銀行、Moneythorのオールインワン・パ� …

日本発[２０２４年１０月２５日]- 日本を代表する地域金融機関の千葉銀行は、１０月２９日より、同行の“ちばぎんアプリ”内で弊社が提供する革新的なオールインワン・パーソナライゼーション・エンジンを搭載し、お客様がより便利に金融サービスを利用できるようにパーソナライズされた新機能の提供を開始します。この提供により、“ちばぎんアプリ”はお客様一人一人に合わせた知見や金融情報を提供し、同行が推進する“エンゲージメントバンクグループ”へまた一歩進むことになります。尚、弊社ソリューション提供にあたりまして、BIPROGY株式会社が導入パートナーとしてプロジェクトをリードしております。