NAB, one of Australia’s four major banks, partnered with Moneythor to move beyond passive transaction history and deliver a forward-looking cashflow experience. The experience helps customers anticipate upcoming expenses so they can manage their money with greater confidence between paydays.
The Challenge
Helping Customers Understand What Comes Next
As one of Australia’s largest banks, National Australia Bank (NAB) serves millions of customers across retail, business, and corporate banking. As customer expectations evolve beyond basic account management, NAB has focused on helping customers improve their financial wellbeing through digital experiences that provide greater visibility, guidance, and control over their finances.
Historically, banking apps have focused on helping customers understand what has already happened. Customers can review transactions, monitor spending, and check balances, but often struggle to anticipate upcoming commitments and future cashflow needs.
To bring this vision to life, NAB introduced Upcoming, a predictive cashflow experience that helps customers: understand what lies ahead, avoid financial surprises before they occur, and make more informed financial decisions.
The Solution
Predictive Financial Guidance Powered by AI
As part of its broader financial wellbeing strategy, NAB introduced Upcoming to give customers a clear and intuitive view of what is ahead. Built using Moneythor’s predictive AI and personalisation capabilities, Upcoming, analyses transaction behaviour to identify recurring bills, subscriptions, and expected payments. This makes it easier for customers to understand their cashflow and plan accordingly.
By making future commitments visible, Upcoming enables customers to take a more proactive approach to managing money and make more informed decisions.
Key capabilities:
- Predict upcoming bills and expenses
- Turn transaction data into actionable guidance
- Deliver personalised financial insights in real time
- Improve financial confidence through visibility
- Better understand short-term cash flow position
The Results
Helping Customers Make Better Financial Decisions
By embedding Upcoming directly into the NAB app, customers now have greater visibility of not just what has already happened, but what’s coming next. The result is a more personalised banking experience that empowers customers to stay ahead of their finances and build greater financial confidence.
Customers can now:
Anticipate recurring expenses
Stay ahead of upcoming bills
Reduce financial surprises
Improve cashflow visibility
Manage finances with greater confidence
By moving from retrospective reporting to predictive guidance, NAB has created a more proactive banking experience that supports customer financial wellbeing.
About NAB
National Australia Bank is one of Australia’s largest financial institutions, serving millions of retail and business customers. Committed to improving the financial wellbeing of its customers, NAB sought to go beyond traditional banking by embedding intelligent, proactive money management tools directly into its digital experiences.
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