AI-powered personalization engine for banks

Moneythor is a software company that gives financial institutions, from banks and card issuers to fintechs of every size, a modern toolkit for their digital banking services. The core product is a channel-agnostic, API-first AI engine that generates personalised money management, loyalty and contextual marketing features: data-driven recommendations, insights and nudges delivered to banking customers on any channel, mobile, web or chatbot, and fully white-labelled to each bank's brand. The engine learns from the history of customer interactions to keep improving its personalisation, and supports both proactive outbound messages (alerts, nudges) and reactive, real-time inbound requests. Moneythor is self-funded, private equity-backed and profitable, founded in Singapore in 2013, with live deployments at banks across every continent. Competitors like Personetics, Backbase and Strands tend to specialise in either front-end widgets or back-end analytics. Moneythor bridges both, delivering personalised experiences through embeddable APIs, a position that has helped it win clients including Trust Bank Singapore, National Australia Bank and First Abu Dhabi Bank.