Banking personalisation powered by financial data

Acquire, activate and engage customers through intelligent digital banking journeys.

Moneythor enables banks to transform transaction data into real-time intelligence, personalised recommendations and meaningful customer experiences across the entire lifecycle.

Trusted by leading banks worldwide

Digital banking is widely adopted, yet most experiences remain transactional

Customers check balances, make payments and leave.

This leads to:
Low product adoption
Account dormancy
High cost of acquisition

Customers expect banking apps be helpful, relevant, and easy to use.

Banks already have the data to deliver more meaningful experiences.
Few have the infrastructure to leverage it.

Illustration of a transactional banking app with low customer engagement and missed personalisation opportunities
Introducing Deep Banking

Digital banking should go beyond transactions

Customers expect their bank to understand their financial situation and guide them with relevant, timely experiences.

We call this Deep Banking.

A new approach where financial data powers personalised insights, proactive recommendations and meaningful engagement.

Moneythor enables banks to deliver Deep Banking through AI-powered personalisation and financial data intelligence.

Banks using Moneythor have achieved up to 7× higher transaction activity through personalised digital engagement.

Acquire. Activate. Engage.

Most banks optimise for one moment. Moneythor helps you win at every moment, from first impression to lasting loyalty.

Acquire

Stronger acquisition and better early engagement

Convert prospects into customers through personalised onboarding, relevant product discovery and customer-led growth.

Banks can:

  • personalise onboarding journeys
  • recommend relevant financial products
  • guide customers toward meaningful first actions
  • activate referral programmes that turn existing customers into acquisition channels
Activate

Higher product adoption and faster activation

Turn a new account into an active engaged customer.

Guide better financial behaviours through experiences such as:

  • spending insights and financial nudges
  • savings goals and challenges
  • contextual prompts to use banking services
  • personalised product recommendations
Engage

Higher engagement, more transactions and stronger loyalty

Build deeper relationships through ongoing personalised engagement.

Moneythor enables experiences such as:

  • real-time financial insights
  • proactive financial guidance
  • contextual product offers
  • loyalty and rewards programmes
  • gamified engagement experiences
The platform

The personalisation platform for digital banking

Moneythor connects financial data, banking systems and digital channels to deliver AI-driven decisioning and real-time personalisation.

Data Layer

Financial transaction intelligence, behavioural analytics

AI Layer

AI-powered insights and prediction, real-time event processing

Engagement Layer

Engagement orchestration, loyalty and gamification

Turn transaction data into deep financial behaviour insights, including cash flow patterns and spending habits.

Use AI to generate personalised insights and trigger engagement automatically at key financial moments.

Leverage Moneythor Studio to build, test, launch and track insights with complete autonomy.

Trust Bank - Moneythor Client
Trust Bank

One of the fastest-growing digital banks in Asia, Trust Bank uses Moneythor to deliver real-time, behaviour-driven customer experiences at scale.

$1B

in deposits within 7 months

700k

customers onboarded

2.3×

more card transactions

70%

of acquisition driven by referrals

A faster, safer alternative to building internally

Time to first outcome
3–5 years
Build internally
Many banks try to build personalisation capabilities internally.

This requires building financial data intelligence, behavioural analytics, orchestration and engagement platforms.

Time to first outcome
Weeks
With Moneythor
Moneythor provides a ready-to-deploy platform designed for banking.

Launch faster while reducing complexity and risk.
With Moneythor banks have achieved impressive results:

1M
customers in just 21 days

$1B
in deposits within 7 months

2.3×
more card transactions

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, Tameed

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

Your customers’ data is ready. Is your bank?

Moneythor helps banks acquire, activate and engage customers through AI-driven personalisation powered by financial data. Turn financial data into measurable customer action and growth.

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