Increase products per customer and improve cross-sell conversion through personalised product campaigns, product referral journeys and incentives designed to move customers from offer to adoption.
Moneythor helps banks grow product adoption across their existing customer base, using personalised campaigns, referral journeys and incentives to move customers from offer to active product use.
Banks invest heavily in acquiring customers, yet many relationships never expand beyond the first account or product.
Traditional cross-sell campaigns often stop at the offer. Customers may show interest but fail to complete onboarding, fund the new product or take the first action required to begin using it.
Banks need a more effective way to turn cross-sell opportunities into completed product adoption.
Moneythor connects product promotion, customer targeting, onboarding progression, incentives and reward fulfilment within one digital journey.
Banks can target selected customers with a specific product proposition, clearly showing the product, the actions required and any associated incentive or reward.
Create structured new-to-product journeys that move customers from initial offer through onboarding and meaningful product activity.
Encourage selected customers to adopt a specific product through personalised campaigns linked to onboarding milestones and incentives.
Enable customers to refer other existing customers to selected products through embedded referral journeys, personalised codes and multi-tier rewards.
Link rewards to meaningful product actions such as product opening, first funding, first transaction or confirmed activity.
Use scratch cards, reveal games, spin-the-wheel mechanics and other gamified experiences to make product onboarding more engaging and rewarding.
Encourage customers to adopt two or more complementary products through bundled campaigns with associated incentives and rewards.
Track onboarding progress, deliver notifications and orchestrate rewards throughout the journey from campaign enrolment to successful product activation.
Customers receive a clear path from product proposition to onboarding and first use, supported by relevant incentives, progress tracking and timely reminders.
Banks increase products per customer and improve cross-sell conversion by helping more targeted customers complete the journey into a new product relationship.
increase in active customers through personalised
sales conversion through personalised customer journeys
Trust Bank used Moneythor to create a personalised rewards-led journey for Trust Invest, encouraging eligible existing customers to start using the bank’s investment product.
Eligible customers targeted with a personalised product campaign
Contextual nudges encouraging first-time trading activity
Gamified scratch-card rewards supporting product onboarding
Real-time reward fulfilment API integrated
Working with Moneythor enabled us to analyse, categorise, and enrich data in real time to deliver personalised insights efficiently.
Nitin Bhargava
Chief Data & Analytics Officer, Trust Bank Singapore
With support from Moneythor, we introduced a real-time reward redemption program, which drives our groundbreaking referral program and keeps our acquisition costs 7x lower than the competition.
Trust Bank Singapore
Build personalised product journeys that connect promotion, onboarding, activation milestones and rewards, helping more existing customers complete the move into a new product.