Turn financial data into timely, personalised guidance that helps customers understand their money, plan ahead and act with confidence.
Moneythor brings financial insights and money-management tools directly into the digital banking experience.
Trusted by leading banks worldwide
Most banking apps provide financial information, not financial direction
Customers can see balances, transactions and spending summaries, but are often left to interpret that information and act alone.
Traditional personal finance experiences can stop at describing past activity. Customers need relevant context that helps them understand their financial position, anticipate what is coming and make better decisions.
From financial data to timely guidance
Moneythor transforms transaction and product data into personalised financial guidance delivered within the bank’s existing digital channels.
Raw transactions are enriched with meaningful merchant and category information, helping customers understand where their money is going.
Turn everyday banking data into useful tools and guidance customers can act on
Transaction enrichment
Transform raw transaction data into recognisable merchants, categories and cleaner spending information.
Personal Financial Management dashboard
Give customers a consolidated view of balances and spending across accounts, categories and merchants.
Personalised insights at scale
Deliver individually relevant insights, spending trends and financial analysis directly within digital banking journeys.
Upcoming bills & cash-flow confidence
Surface predicted bills and subscriptions so customers can understand committed spending and plan ahead.
Financial wellness journeys
Guide customers through structured financial wellness programmes with regular nudges that help them assess their finances and take action.
Year-in-Review experiences
Transform transaction history into personalised financial stories that highlight spending patterns, milestones and achievements.
How real-time guidance improves saving, spending, and planning
What changes in practice
Banks make digital banking more useful by moving beyond displaying financial information to helping customers understand and respond to it.
Customers gain clearer financial context, better visibility of what lies ahead and relevant guidance when there is an opportunity to act.
Real results with Moneythor
+43pt NPS
uplift through personalised financial insights
23M+
customers engaged with personalised financial insights
2.7M
customers reached with personalised Year-in-Review experience.
Case study
A global tier 1 bank uses Moneythor to deliver individually relevant, actionable financial insights within its digital banking experience.
Moneythor processes customer transaction and product data to surface personalised insights that help customers understand their finances, take action and resolve everyday issues directly in the app.
50%
impressions-to-activation
+43pt
NPS uplift
+25%
active customers
-22%
support calls
Built to turn financial data into useful guidance
Enrich and categorise transaction data
Build personalised PFM and money-management experiences
Surface individually relevant financial insights
Forecast upcoming bills and subscriptions
Deliver guidance through existing digital banking channels
Configure insights, journeys and calls-to-action
Deploy alongside existing banking infrastructure
Become the bank customers rely on for better financial decisions
Help customers understand their money, anticipate what comes next and act with confidence through personalised financial guidance embedded in everyday banking.