Acquire more new-to-bank customers through referral programmes that reward meaningful onboarding and activation milestones, not sign-ups alone.
Moneythor turns customer advocacy into a measurable acquisition channel by connecting sharing, onboarding, milestone-based rewards, and real-time fulfilment within a single acquisition journey.
Banks need a smarter approach that turns advocacy into new-to-bank growth while tying rewards to meaningful onboarding and activation milestones.
Many referral programmes reward sign-ups alone, creating low-quality or incentive-led acquisitions and customers who never progress beyond account opening.
Moneythor connects referral generation, digital onboarding, activation milestones, and reward fulfilment within one real-time system.
Referral becomes an end-to-end acquisition journey. Advocates are encouraged to share, referred customers are guided through onboarding, and rewards are released when meaningful activation milestones are completed.
Run referral programmes across customers, employees, partners, relationship managers, and external networks while managing eligibility, fulfilment, and reporting in one place.
Embed referral programmes directly within the banking experience, allowing advocates to generate and share referral links or codes while referred customers enter a seamless digital onboarding journey.
Run referral programmes across customers, staff, influencers and partner organisations, with tailored incentives, attribution and performance tracking for each source.
Move beyond sign-up incentives by linking reward eligibility to meaningful actions such as verified onboarding, first funding, salary credit, card activation, or a first transaction.
Trigger, track, and deliver rewards as soon as the required milestone is completed, creating a seamless experience for both the advocate and the referred customer.
Use milestone quests, scratch cards, spin-the-wheel mechanics, lucky draws, and progress tracking to increase referral participation and encourage repeat sharing.
Manage referral-code generation, programme logic, eligibility, nudges, reward fulfilment, and reporting within one platform, reducing fragmentation and manual coordination.
Referral acquisition becomes embedded, measurable, and customer-led rather than dependent on isolated campaigns.
Banks improve referral quality, reduce incentive abuse, and convert more referred sign-ups into active new-to-bank customers.
of new customers acquired through referrals
lower acquisition costs than the competition
Trust Bank uses Moneythor to run its member-get-member programme, from referral sharing and tracking to real-time reward fulfilment.
referrals acquired customers
sharing and real-time rewards
in deposits within 7 months
referral tracking and fulfilment
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
Launch end-to-end referral journeys that connect sharing, onboarding, activation milestones, and real-time reward fulfilment within one banking-native platform.