Moneythor is the AI banking platform for digital banking engagement. Deliver personalised insights, loyalty programmes and financial wellbeing experiences through a flexible, channel-agnostic API.
Turn banking data into real-time customer experiences
Banks don’t have a data problem. They have an activation problem.
Digital banking is still reactive and generic. Most messages go unnoticed. Engagement rarely exceeds 1%-2%.
The signals are already there in transaction data. They show intent, behaviour, and need. But without a system that can process and act on them in real time, they are not used.
The result is low engagement, missed revenue, and a growing gap with digital-native competitors.
The AI-powered platform behind real-time banking personalisation
Moneythor is a real-time event processing and orchestration engine built for banking. It ingests data from accounts, cards, wallets, Open Banking sources, and customer events.
Every signal is enriched, categorised, and analysed in context as it happens. This enables banks to deliver personalised experiences at the moment they matter.
AI built for financial behaviour
AI is embedded across the system and trained on financial data.
The system enriches data, predicts behaviour, and generates personalised insights and content at an individual level.
- Predictive models forecast cash flow and identify patterns
- Generative models create personalised insights and content
- Conversational AI enables real-time interaction
- Agentic AI drives automated journeys and actions
Built to scale and adapt
The platform learns from every interaction and continuously improves how experiences are delivered.
It supports tens of millions of customers with low latency across mobile, web, chat, and CRM channels.
Deploy as SaaS, private cloud, or on-premise.
Integrate without replacing existing systems.
How it works
Every financial event is an opportunity. Here’s how Moneythor acts on it.
Each interaction follows an intelligent, real-time sequence.
A signal is received
A transaction, login, or customer event is received across accounts, cards, wallets, and Open Banking sources.
Data is enriched and understood
Data is categorised, patterns are detected, and the customer profile is updated in real time.
Intelligence is applied
AI evaluates the signal in context and determines the most relevant next action.
An experience is delivered
A personalised insight, nudge, or offer is delivered across mobile, web, chat, or CRM.
The engine learns
Each interaction refines the model, improving the relevance of future experiences.
No lag or generic messaging. Just the right experience, for the right customer, at the right moment.
Precise. Relevant. Actionable
Banks gain a real-time view of customer financial behaviour, enabling more precise decisions and more relevant interactions.
Built on financial behaviour, not marketing data
Most platforms rely on clicks and campaigns.
Moneythor operates on financial data. It processes transactions, balances, recurring activity, and real-time events to understand behaviour as it happens.
This gives banks a unified view across:
- money flows and balances
- accounts, cards, and wallets
- recurring patterns and habits
- real-time customer interactions
Real-time personalisation, built for banking
Move from reactive servicing to continuous engagement, increasing activity, product adoption, and lifetime value.
Moneythor adapts to customer behaviour, converts insights into actions, and orchestrates both event-driven outbound engagement and real-time inbound interactions.
This enables:
- personalised financial guidance
- proactive, event-driven engagement
- real-time, responsive customer interactions
- deeper engagement beyond transactions
Configure, launch, and optimise without rebuilding systems
Accelerate time to market and continuously adapt as customer behaviour evolves.
Deploy quickly using 150+ pre-built use cases, and refine experiences continuously in production.
The Moneythor Studio gives teams full control over how data becomes customer interaction.
- No-code tools for business teams
- Low-code scripting for technical analysts
- Build, test, launch, and optimise independently
Pre-built capabilities, fully configurable ready to deploy
Moneythor includes a library of configurable use cases connected to the real-time engine and delivery layer.
Transaction Insights & Categorisation
Money Management & Cash Flow
Savings Goals & Financial Coaching
Contextual Marketing & Cross-Sell
Loyalty & Rewards
Gamified Engagement
Referral Management
Open Banking
Deploy from the library or build custom experiences in the Moneythor Studio.
Most banks go live within 3 to 6 months
Deploy as SaaS, private cloud, public cloud, or on-premise.
Built for integration, not replacement
Moneythor sits between core systems and digital channels, adding intelligence without requiring infrastructure change.
Proven in production environments
Moneythor is used by banks across more than 15 countries, from digital challengers to global institutions.
What clients have achieved with Moneythor:
up to 10×
higher engagement rates
2.3×
more card transactions
15% – 30%
personalised insight interactions
7×
lower acquisition costs
Working with Moneythor enabled us to analyse, categorise, and enrich data in real time to deliver personalised insights efficiently.”
Nitin Bhargava, Chief Data & Analytics Officer, Trust Bank Singapore
Banks choose Moneythor when internal builds are too slow, and generic platforms cannot handle financial data
Security and compliance built in, regardless of deployment model.
Built for financial behaviour
AI embedded across the platform
150+ pre-built use cases
One system from data to delivery
Proven at scale
ISO 27001 certified
SOC 2 Type II compliant
GDPR aligned
Turn financial data into action
Increase engagement. Drive product adoption. Reduce acquisition costs.