Increase transactions, deposits and digital banking usage by helping customers make greater use of the products they already hold.
Moneythor combines behavioural nudges, incentives and gamified journeys to move customers from inactivity to sustained product use.
Customers hold accounts, cards and digital banking products, but many remain underused or become dormant over time.
Banks already have the customers and products needed to drive more activity. But too often, onboarding, incentives and usage campaigns are disconnected from the behaviours that build sustained product use.
To drive active usage, banks need to turn customer inactivity into sustained product activity.
Turn customer and product inactivity into sustained usage
Guide customers through funding, setup and first transactions with milestone-based nudges, challenges and incentives.
Use timely reminders, challenges and rewards to bring inactive customers back to meaningful use of the products they already hold.
Use missions and gamified campaigns to encourage more frequent transactions and greater use of existing product features.
Track progress and reward defined behaviours that build sustained product usage over time.
Activate is built to keep running. Each stage of usage produces the signal for the next action, so activity keeps building after the initial push.
Funding, transactions and feature use change what the customer is guided towards next, so journeys keep moving instead of ending at a fixed step.
A drop in usage becomes a trigger in its own right, prompting action before a customer goes dormant rather than after.
More transactions, more balances retained and more products in active use, from the customer base the bank already has.
The result is activity that holds its level, rather than a spike that fades once the campaign ends.
Moneythor’s Activate solutions run on a real-time AI-powered personalisation engine that ingests transactional data, applies behavioural logic, and orchestrates interactions across digital channels.
It integrates seamlessly with existing systems without replacing core infrastructure and can be deployed as SaaS, in the bank’s private cloud, or on-premise.
Many banks use all three. Activate is where engagement becomes commercial value.
increase in active customers
growth in deposits and savings activity
spend uplift
more transactions per user
Guide new and dormant customers through the milestones that matter, from funding and setup to their first meaningful transaction.
Use personalised nudges, challenges, missions and rewards to increase transaction frequency and usage of products customers already hold.
Turn inactivity into meaningful banking activity with personalised journeys that encourage customers to fund, transact and keep using the products they already hold.
