Turn customer acquisition into a scalable growth engine

Attract and convert more customers through connected referral, partner and incentive-led journeys embedded directly within digital banking.

Moneythor brings acquisition journeys, incentives and real-time reward fulfilment together in one platform, helping banks scale customer growth more efficiently.

Banks struggle to scale referral and incentive-led customer acquisition

Banks already have powerful acquisition channels in their customers, partners and digital banking experiences. 

But too often, these opportunities remain disconnected from the journeys that turn interest into new business.

To scale acquisition, banks need to connect the entire journey, from first opportunity to conversion.

ACQUIRE:

Win new customers and expand product adoption among existing customers

Scale growth through your existing customer base

Use advocacy, referrals and relevant product opportunities to win new customers and grow product adoption among existing ones.

Convert more referrals and offers into action

Use clear milestones, timely nudges and relevant incentives to move customers from initial interest towards conversion.

Expand acquisition across more channels

Connect customers, employees, partners and influencers alongside targeted product campaigns, with configurable eligibility and incentives for each journey.

Manage acquisition in one place

Configure programme rules, track progress and fulfil rewards in real time, reducing fragmented tools and manual coordination.

Acquisition that feeds itself

Acquisition runs on customer context, not the campaign calendar. Referral source and customer behaviour set what happens next.

Context-aware next steps

Referral source, profile and behaviour determine what each customer sees, and when.

Rewards land while intent is high

Milestones trigger fulfilment in real time, not days later in a batch.

Every customer is a potential source

Active customers become advocates, and advocates bring in more.

A seamless experience for customers, and a more effective acquisition model for banks

Bring acquisition into the banking experience

Typical approach
eastRuns outside the product
eastRelies on separate campaign tools
eastStops at account creation
eastRewards fulfilled manually or in batch
eastMGM only
eastOne-size incentives
eastReferral “gamers”
With Acquire
checkEmbedded in mobile and online banking
checkManaged end-to-end in a single platform
checkExtends through activation and early engagement
checkReal-time, automated fulfilment
checkMGM + staff + partners + influencers, all concurrent
checkFully flexible: cashback, points, vouchers, interest rates, gamified rewards
checkGenuine customers guided to lasting usage

Powered by the Moneythor platform

Moneythor’s Acquire solutions runs on a real-time AI-powered personalisation engine that ingests transactional data, applies behavioural logic, and orchestrates interactions across digital channels.

It integrates with existing systems without replacing core infrastructure and can be deployed as SaaS, in the bank’s private cloud, or on-premise.

How Acquire fits within the Moneythor suite

Acquire
Activate
Engage
Primary goal
Grow your customer base
Turn inactivity into sustained product usage
Keep customers coming back
Focus
Referrals, onboarding, NTB incentives
Activation, transactions, deposits, feature adoption
Financial wellbeing, PFM, loyalty, rewards
Triggered by
Registration events, referral codes
Transactional behaviour, balance events, inactivity signals
App logins, financial queries, reward eligibility
Success metric
New accounts, referral conversion
Transaction volume, deposit growth, product adoption
App engagement, wellbeing scores, reward participation, churn reduction
Best for
Pre-funded customers, digital bank launches
Dormant customers, underused products, revenue growth
Retention, trust, daily value, loyalty ROI

Many banks use all three. Acquire is where awareness becomes customer growth.

Proven acquisition growth in practice

up to 70%

of customers acquired through referrals

Faster

onboarding and time to first action

7x lower

customer acquisition cost

Turn customer advocacy into scalable acquisition

Build referral journeys that connect sharing, onboarding milestones and real-time rewards to win more customers through advocates, employees, partners and influencers.

Grow product adoption across your existing customer base

Use targeted campaigns, referrals and incentives to guide existing customers towards products they do not yet hold.

Convert more acquisition opportunities into new business

Connect referrals, targeted product campaigns, incentives and reward fulfilment so more prospects join the bank and more existing customers adopt additional products.

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