# Moneythor

> Banking Personalisation Powered by Financial Data

Moneythor is an AI-powered banking personalisation and decisioning platform built specifically for digital banking. It helps banks acquire, activate and engage customers by turning transaction data into real-time insights, recommendations and personalised customer experiences.

This file is a curated map to Moneythor's most useful pages for understanding the company, platform, solutions, proof and thought leadership.
For a complete inventory of public URLs, see the sitemap index.

Sitemap index (full inventory): https://www.moneythor.com/sitemap_index.xml

## Key facts

- Founded in 2013 by three digital banking veterans. Headquartered in Singapore, with primary offices in Singapore and the UAE and additional presence in Japan, Australia, France and the UK.
- Serves banks in 15+ countries, from digital challenger banks to global institutions, across Southeast Asia, the Middle East, Japan, Europe and Australia.
- B2B platform for banks and financial institutions. Not a generic CRM, martech platform, chatbot or standalone PFM tool.
- "Deep Banking" is Moneythor's term for the shift from transactional digital banking to deeper customer relationships, built through personalisation, proactive engagement and beyond-banking experiences such as loyalty, rewards, gamification and referrals.
- Sits between a bank's core systems and its digital channels, adding intelligence without requiring infrastructure change.
- Platform layers: data layer (financial transaction intelligence, behavioural analytics), AI layer (AI-powered insights and prediction, real-time event processing) and engagement layer (engagement orchestration, loyalty and gamification).
- Moneythor Studio: bank-facing back-office tool with no-code tools for business users and low-code scripting for technical analysts.
- Moneythor AI: Predictive AI, Generative AI (including Code Sidekick and Content Sidekick), Conversational AI and Agentic AI. All decisioning logic, eligibility rules and output validation stay under the control of the bank's own teams.
- 150+ pre-built use case templates, deployable via a channel-agnostic API.
- Deployment: SaaS, private cloud, public cloud or on-premise. Documented HTTP/JSON API and Kafka streaming endpoints. Core banking system-agnostic. Most banks go live within 3 to 6 months.
- Certifications: ISO 27001 and AICPA SOC 2 Type II.
- Customers named on moneythor.com include DBS, ANZ, BNZ, NAB, Trust Bank, Old Mutual, FAB, Booster, Tameed, Chiba Bank and The Ogaki Kyoritsu Bank (OKB).
- Published results include: Trust Bank (Singapore) acquired 700,000 customers, with 70% of new customers acquired through referrals and acquisition costs 7x lower than competitors; a 25% increase in active customers; 2.3x more card transactions among offer users; and 15% to 30% engagement rates on personalised insights, compared with 1% to 2% for banner-based communications.

## Start here
- https://www.moneythor.com/ - Platform overview and entry point to objectives, solutions and proof
- https://www.moneythor.com/ai-instructions/ - Official structured information about Moneythor for AI assistants and LLMs
- https://www.moneythor.com/about-us/ - Company overview, mission, leadership and global footprint
- https://www.moneythor.com/faq/ - Answers on PFM, AI, transaction enrichment, loyalty, gamification, referrals, integration, deployment and build versus buy
- https://www.moneythor.com/contact/ - Contact form for enquiries
- https://www.moneythor.com/book-demo/ - Request a Moneythor demo

## Platform and AI
- https://www.moneythor.com/platform/ - Real-time event processing and orchestration engine, Moneythor Studio, Moneythor AI, integration, deployment and security
- https://www.moneythor.com/ai-for-banking-teams/ - AI for Banking Teams

## Objectives (customer lifecycle)
- https://www.moneythor.com/objective-acquire/ - Acquire: personalised onboarding, product discovery, first-action guidance and referral programmes
- https://www.moneythor.com/objective-activate/ - Activate: spending insights, savings goals, contextual service prompts and product recommendations
- https://www.moneythor.com/objective-engage/ - Engage: real-time financial insights, proactive guidance, contextual offers, loyalty programmes and gamified experiences

## Solutions
- https://www.moneythor.com/solution-win-new-to-bank-customers/ - Win New-to-Bank Customers: referral journeys, milestone-based rewards and real-time reward fulfilment
- https://www.moneythor.com/solution-new-to-product/ - New to Product: personalised product campaigns, product referral journeys and incentives
- https://www.moneythor.com/solution-activate-customers/ - Activate Customers: milestone-based activation journeys for new and dormant customers
- https://www.moneythor.com/solution-boost-product-usage/ - Boost Product Usage: timely, personalised experiences that increase transaction frequency and repeat usage
- https://www.moneythor.com/solution-reward-customer-engagement/ - Reward Customer Engagement: loyalty, cashback, recognition and real-time rewards
- https://www.moneythor.com/solution-guide-financial-decisions/ - Guide Financial Decisions: personalised financial guidance and PFM

## Customer stories (case studies)
- https://www.moneythor.com/case-studies/ - Case studies hub
- https://www.moneythor.com/case-study-trust/ - Case study: Trust Bank (Singapore), customer acquisition with referrals and real-time reward redemption
- https://www.moneythor.com/case-study-page-anz/ - Case study: ANZ (Australia), personalised experiences using transaction data and insights
- https://www.moneythor.com/case-study-nab-predictive-banking/ - Case study: NAB (Australia), predictive banking and forward-looking cashflow insights
- https://www.moneythor.com/case-study-booster-savvy/ - Case study: Booster (New Zealand), turning saving into a daily habit, moving $690,000 into savings
- https://www.moneythor.com/case-study-chiba/ - Case study: Chiba Bank (Japan), personalisation with 79% of customers completing the full journey
- https://www.moneythor.com/case-study-okb-case-study-seasonal-campaign/ - Case study: OKB (Japan), gamification driving 31,000+ plays and a 57% play-through rate

## Proof and resources
- https://www.moneythor.com/insights/ - Insights hub: articles, whitepapers and reports
- https://www.moneythor.com/podcast/ - Deep Banking podcast hub
- https://www.moneythor.com/press-releases/ - Press releases hub
- https://www.moneythor.com/partners/ - Partner ecosystem: system integrators, core banking providers, cloud platforms and technology partners
- https://www.moneythor.com/community/ - Moneythor Engage community

## Reports and whitepapers
- https://www.moneythor.com/insights/whitepapers/build-versus-buy-banking-personalisation/ - Build versus Buy: banking personalisation in the age of AI (FinTech Futures and Moneythor research, 2026)
- https://www.moneythor.com/insights/whitepapers/customer-engagement-digital-banking-frost-sullivan/ - Frost & Sullivan: why customer engagement is the new growth engine for digital banks (2026)
- https://www.moneythor.com/insights/whitepapers/whitepaper-fintech-futures-report-2026/ - Closing the Gap: customer expectations, AI and personalisation in retail banking (2026)
- https://www.moneythor.com/insights/whitepapers/revolutionise-pfm-ksa/ - Next generation personalised engagement for Saudi customers (2025)
- https://www.moneythor.com/insights/whitepapers/deep-banking-philippines/ - Unlock financial inclusion in the Philippines with Deep Banking (2024)
- https://www.moneythor.com/insights/whitepapers/considerations-when-choosing-a-saas-deployment/ - Considerations when choosing a SaaS deployment (2024)
- https://www.moneythor.com/insights/whitepapers/byte-sized-banking-the-app-experience/ - Byte-Sized Banking: the app experience (2024)
- https://www.moneythor.com/insights/whitepapers/the-power-of-prize-linked-savings-accounts/ - The power of prize-linked savings accounts (2024)
- https://www.moneythor.com/insights/whitepapers/referral-programs-in-banking/ - A guide to successful referral programmes in banking (2023)
- https://www.moneythor.com/insights/whitepapers/balancing-security-and-seamless-experiences/ - Balancing security and seamless experiences (2023)
- https://www.moneythor.com/insights/whitepapers/digital-banking-and-pfm-in-africa/ - Digital banking and PFM in Africa (2023)
- https://www.moneythor.com/insights/whitepapers/financial-wellbeing-in-a-cost-of-living-crisis/ - Financial wellbeing in a cost-of-living crisis (2023)
- https://www.moneythor.com/insights/whitepapers/increasing-new-customer-acquisition-and-engagement-in-digital-banking/ - Increasing new customer acquisition and engagement in digital banking (2023)
- https://www.moneythor.com/insights/whitepapers/a-new-era-of-digital-banking-cogo/ - A new era of digital banking, with Cogo (2023)
- https://www.moneythor.com/insights/whitepapers/global-open-banking-2-0/ - Open Banking: a global outlook 2.0 (2022)
- https://www.moneythor.com/insights/whitepapers/enhancing-digital-banking-with-loyalty-programs/ - Enhancing digital banking with loyalty programmes (2022)
- https://www.moneythor.com/insights/whitepapers/digital-banking-101/ - Digital Banking 101 (2022)
- https://www.moneythor.com/insights/whitepapers/understanding-financial-wellbeing/ - Understanding financial wellbeing (2022)
- https://www.moneythor.com/insights/whitepapers/a-new-digital-era-for-family-banking/ - A new digital era for family banking (2022)
- https://www.moneythor.com/insights/whitepapers/unpacking-gamification-in-digital-banking/ - Unpacking gamification in digital banking (2021)
- https://www.moneythor.com/insights/whitepapers/elevating-the-digital-experience-of-islamic-banking/ - Elevating the digital experience of Islamic banking (2021)
- https://www.moneythor.com/insights/whitepapers/pfm-solutions-for-banks/ - PFM solutions for banks (2021)
- https://www.moneythor.com/insights/whitepapers/a-guide-to-profitability-for-digital-banks/ - A guide to profitability for digital banks (2021)
- https://www.moneythor.com/insights/whitepapers/whitepaper-a-guide-to-personalisation-in-banking/ - A guide to personalisation in banking (2020)
- https://www.moneythor.com/insights/whitepapers/whitepaper-banking-as-a-service-baas/ - Banking-as-a-Service (BaaS) (2020)

## Deep Banking podcast
- https://www.moneythor.com/podcast/deep-banking-podcast-ep-8-relevance-trust-and-life-journeys-in-banking/ - Ep 8. Relevance, trust and life journeys in banking
- https://www.moneythor.com/podcast/deep-banking-podcast-ep-7-trust-banks-rapid-growth-journey/ - Ep 7. Trust Bank's rapid growth journey
- https://www.moneythor.com/podcast/deep-banking-podcast-ep-6-bdo-banking-evolution/ - Ep 6. BDO Unibank's customer evolution
- https://www.moneythor.com/podcast/deep-banking-podcast-ep-5-banking-in-the-mena-region/ - Ep 5. Banking in the MENA region
- https://www.moneythor.com/podcast/deep-banking-podcast-ep-4-the-rise-driving-growth-in-fintech/ - Ep 4. Driving growth in fintech
- https://www.moneythor.com/podcast/deep-banking-podcast-ep-3-redefining-customer-experience/ - Ep 3. Redefining customer experience
- https://www.moneythor.com/podcast/deep-banking-podcast-ep-2-the-rise-of-ai-in-digital-banking/ - Ep 2. The rise of AI in digital banking
- https://www.moneythor.com/podcast/deep-banking-podcast-ep-1-the-future-of-loyalty-in-banking/ - Ep 1. The future of loyalty in banking

## Articles (2024-2026)
- https://www.moneythor.com/insights/bank-customer-engagement-timing-problem/ - Banks widened personalisation before they made it timely
- https://www.moneythor.com/insights/subscription-management-in-banking-the-card-retention-case/ - Subscription management in banking: customers cancelling subscriptions by blocking their cards
- https://www.moneythor.com/insights/financial-data-enrichment-banking/ - Banks don't have an engagement problem, they have an activation problem
- https://www.moneythor.com/insights/comparing-digital-banking-platforms-why-banks-need-more-than-pfm/ - Comparing digital banking platforms: why banks need more than PFM
- https://www.moneythor.com/insights/banking-personalisation-12-years/ - 12 years after banking's personalisation promise, are we finally there?
- https://www.moneythor.com/insights/open-finance-will-standardise-the-data/ - Open finance will standardise data, personalisation will decide who wins
- https://www.moneythor.com/insights/referral-management-programme/ - Top 10 tips for creating a successful referral management programme
- https://www.moneythor.com/insights/how-ai-driven-personalisation-is-reshaping-banking/ - How AI-driven personalisation is reshaping banking
- https://www.moneythor.com/insights/personalised-banking-in-the-philippines/ - Personalised banking in the Philippines
- https://www.moneythor.com/insights/deep-banking-in-the-age-of-ai-event/ - Recap: Deep Banking in the Age of AI, Moneythor Engage community event
- https://www.moneythor.com/insights/agentic-ai/ - Agentic AI: banks should handle with care
- https://www.moneythor.com/insights/what-is-deep-banking/ - What is Deep Banking?
- https://www.moneythor.com/insights/building-customer-loyalty-with-digital-badges/ - Building customer loyalty with digital badges
- https://www.moneythor.com/insights/the-future-of-banking-apps/ - The future of banking apps: meeting customer demands for financial management
- https://www.moneythor.com/insights/fortune-and-fun-okbs-gamified-approach-to-banking-3/ - Fortune and fun: OKB's gamified approach to banking
- https://www.moneythor.com/insights/the-future-of-personalisation-in-banking/ - AI/ML: the future of personalisation in banking
- https://www.moneythor.com/insights/powerful-solution-to-manage-your-finances/ - Helping New Zealand customers manage their finances (Booster)
- https://www.moneythor.com/insights/what-is-open-banking/ - What is open banking?
- https://www.moneythor.com/insights/what-is-financial-wellbeing/ - What is financial wellbeing?
- https://www.moneythor.com/insights/a-personalised-approach-to-customer-acquisition-and-activation/ - A personalised approach to customer acquisition and activation in digital banking

## Articles: digital banking guides and explainers
- https://www.moneythor.com/insights/back-to-basics-what-is-personal-financial-management-pfm/ - What is personal financial management (PFM)?
- https://www.moneythor.com/insights/customer-activation-management-guide/ - Unlocking profitability with customer activation management
- https://www.moneythor.com/insights/how-to-enhance-digital-banking-experiences-to-boost-deposits/ - How to enhance digital banking experiences to boost deposits
- https://www.moneythor.com/insights/why-marketing-automation-alone-falls-short-for-financial-institutions/ - Why marketing automation alone falls short for financial institutions
- https://www.moneythor.com/insights/the-power-of-gift-cards-driving-engagement-in-digital-banking/ - The power of gift cards: driving engagement in digital banking
- https://www.moneythor.com/insights/the-role-of-data-categorisation-in-digital-banking/ - The role of data categorisation in digital banking
- https://www.moneythor.com/insights/minimising-technical-debt/ - Minimising technical debt
- https://www.moneythor.com/insights/open-finance-defined/ - Open finance: defined
- https://www.moneythor.com/insights/building-digital-banking-technology-for-personalisation-and-scale/ - Building digital banking technology for personalisation and scale
- https://www.moneythor.com/insights/ai-ethics-and-their-application-to-digital-banking/ - AI ethics and their application to digital banking
- https://www.moneythor.com/insights/what-is-ai-back-to-basics/ - How is AI used in digital banking?
- https://www.moneythor.com/insights/what-are-apis-digital-banking-101/ - What are APIs?
- https://www.moneythor.com/insights/what-are-chatbots-back-to-basics/ - What are chatbots?
- https://www.moneythor.com/insights/cracking-personalisation-in-digital-banking/ - Cracking personalisation in digital banking
- https://www.moneythor.com/insights/banking-as-a-service-back-to-basics/ - Banking-as-a-Service: back to basics
- https://www.moneythor.com/insights/banking-licenses-explained/ - Digital banking licences explained
- https://www.moneythor.com/insights/top-banking-trends-2024/ - Top banking trends 2024

## Press releases: customers
- https://www.moneythor.com/press-releases/mastercard-and-moneythor-first-abu-dhabi-bank/ - Mastercard and Moneythor partner to bring Deep Banking to First Abu Dhabi Bank (2026)
- https://www.moneythor.com/press-releases/old-mutual-moneythor-digital-banking-om-bank/ - Old Mutual and Moneythor bring more meaningful digital banking to OM Bank (2025)
- https://www.moneythor.com/press-releases/chiba-bank-launches-personalised-features-and-insights/ - Chiba Bank launches personalised features and insights powered by Moneythor (2024)
- https://www.moneythor.com/press-releases/chiba-bank-selects-moneythor-to-revolutionise-personalised-banking-experiences-2/ - Chiba Bank selects Moneythor for over one million customers (2024)
- https://www.moneythor.com/press-releases/arat-goes-live-with-moneythor-to-launch-innovative-loyalty-programme/ - Arat goes live with Moneythor to launch a loyalty programme (2024)
- https://www.moneythor.com/press-releases/axis-bank-deploys-moneythors-cutting-edge-personalisation-engine/ - Axis Bank deploys Moneythor's personalisation engine (2024)
- https://www.moneythor.com/press-releases/booster-goes-live-with-moneythor/ - Booster goes live with Moneythor (2023)
- https://www.moneythor.com/press-releases/ta3meed-selects-moneythor-as-a-strategic-partner-for-its-loyalty-features/ - Ta3meed selects Moneythor as a strategic partner for its loyalty features (2022)
- https://www.moneythor.com/press-releases/making-banking-transparent-easy-and-rewarding-with-trust-bank/ - Making banking transparent, easy and rewarding with Trust Bank (2022)
- https://www.moneythor.com/press-releases/nab-partners-with-moneythor/ - National Australia Bank (NAB) partners with Moneythor (2022)
- https://www.moneythor.com/press-releases/promoting-financial-wellbeing-for-bnz-customers/ - Promoting financial wellbeing for BNZ customers (2022)
- https://www.moneythor.com/press-releases/arbm-moneythor-strategic-partnership-pfm/ - Al Rajhi Bank Malaysia selects Moneythor for PFM features (2022)
- https://www.moneythor.com/press-releases/real-time-digital-experiences-with-dbs-card/ - Real-time digital experiences with DBS Card+ (2022)
- https://www.moneythor.com/press-releases/saib-taps-moneythor-to-roll-out-intelligent-pfm/ - SAIB taps Moneythor to roll out intelligent PFM (2022)
- https://www.moneythor.com/press-releases/enabling-digital-engagement-for-cimb-octosavers/ - Enabling digital engagement for CIMB OctoSavers (2021)
- https://www.moneythor.com/press-releases/lifit-moneythor-enabled-personalised-recommendation-service-by-okb-is-now-live/ - Ogaki Kyoritsu Bank goes live with Moneythor (2021)
- https://www.moneythor.com/press-releases/standard-chartered-partners-moneythor-to-deliver-its-personal-financial-management-tool/ - Standard Chartered partners Moneythor to deliver its PFM tool (2020)
- https://www.moneythor.com/press-releases/bnz-partners-with-moneythor-to-enhance-its-digital-banking-services/ - BNZ partners with Moneythor (2019)
- https://www.moneythor.com/press-releases/anz-deploys-moneythor-for-money-management-insights-and-nudges/ - ANZ deploys Moneythor for money management insights and nudges (2018)
- https://www.moneythor.com/press-releases/dbs-bank-adopts-moneythor-for-personal-finance-management/ - DBS Bank adopts Moneythor for personal finance management (2016)

## Press releases: company, partners and recognition
- https://www.moneythor.com/press-releases/frost-and-sullivan/ - Frost & Sullivan recognises Moneythor for Customer Value Leadership in digital financial services (2026)
- https://www.moneythor.com/press-releases/moneythor-finexcore-partnership/ - Moneythor and FINEXCORE partnership (2026)
- https://www.moneythor.com/press-releases/moneythor-joins-aws-isv-accelerate-program/ - Moneythor joins the AWS ISV Accelerate Program (2026)
- https://www.moneythor.com/press-releases/moneythor-launches-ai-suite-to-deliver-deep-banking/ - Moneythor launches AI suite to deliver Deep Banking (2025)
- https://www.moneythor.com/press-releases/moneythor-grover-consult-partner/ - Moneythor and Grover Consult partner to bring Deep Banking to the Philippines (2025)
- https://www.moneythor.com/press-releases/in-the-era-of-deep-banking-moneythor-launches-in-latin-america/ - Moneythor launches in Latin America (2025)
- https://www.moneythor.com/press-releases/bfm-radio-malaysia-netflix-style-personalisation-for-banks/ - BFM Radio Malaysia: Netflix-style personalisation for banks (2025)
- https://www.moneythor.com/press-releases/moneythor-welcomes-martin-frick-as-new-ceo-to-drive-strategic-growth/ - Moneythor welcomes Martin Frick as new CEO (2024)
- https://www.moneythor.com/press-releases/moneythor-integrates-with-yoyo-group-to-bring-personalised-loyalty-campaigns/ - Moneythor integrates with Yoyo Group for personalised loyalty campaigns in South Africa (2024)
- https://www.moneythor.com/press-releases/moneythor-and-yougotagift-partner-to-deliver-personalised-customer-loyalty-campaigns/ - Moneythor and YOUGotaGift partner on loyalty campaigns across MENA (2024)
- https://www.moneythor.com/press-releases/moneythor-launches-cam-platform/ - Moneythor launches Customer Activation Management platform (2023)
- https://www.moneythor.com/press-releases/moneythor-and-experian-assemble-to-improve-personalisation-across-digital-banking-services/ - Moneythor and Experian partnership (2023)
- https://www.moneythor.com/press-releases/moneythor-and-paymentology-partner-to-bring-banks-data-driven-personalisation-and-enhanced-engagement/ - Moneythor and Paymentology partnership (2023)
- https://www.moneythor.com/press-releases/integration-thought-machine-vault-core/ - Integrating Moneythor with Thought Machine's Vault Core (2022)
- https://www.moneythor.com/press-releases/moneythor-envestnet-yodlee-partner-to-leverage-open-banking-for-personalisation-in-digital-banking/ - Moneythor and Envestnet | Yodlee open banking partnership (2021)
- https://www.moneythor.com/press-releases/navis-capital-partners-announces-a-strategic-growth-investment-in-moneythor/ - Navis Capital Partners announces a strategic growth investment in Moneythor (2021)
- https://www.moneythor.com/press-releases/moneythor-and-nihon-unisys-partner-to-bring-personalised-and-data-driven-digital-banking-to-japanese-financial-institutions/ - Moneythor and Nihon Unisys partnership in Japan (2020)
- https://www.moneythor.com/press-releases/kasisto-and-moneythor-partner-to-offer-industry-leading-ai-driven-intelligent-banking-conversations/ - Kasisto and Moneythor partner on AI-driven banking conversations (2019)

## Trust, security and legal
- https://www.moneythor.com/platform/ - Security and certifications (ISO 27001, AICPA SOC 2 Type II) and deployment options
- https://www.moneythor.com/privacy-policy/ - Privacy policy

## Social
- https://www.linkedin.com/company/moneythor - LinkedIn company page
- https://x.com/moneythor - X (Twitter)
- https://www.facebook.com/moneythorhq - Facebook