Moneythor Banking Personalisation Platform

Moneythor is a Singapore-based digital banking solutions provider that sells a personalisation platform to banks. It addresses a common problem for retail and digital banks: customers open accounts but rarely activate cards or use products, because banking apps show the same static content to every segment.

The platform has a data layer for transaction intelligence and behavioural analytics, an AI layer for insights, predictions and real-time event processing, and an engagement layer for orchestration, loyalty and gamification. Moneythor Studio lets bank teams build, test, launch and track insights. It connects to existing banking systems and digital channels via APIs, so banks add referral programmes, rewards, spending insights and contextual guidance without rebuilding their core.

• Transaction intelligence: Categorises transactions and analyses customer behaviour.
• AI insights: Generates predictions, recommendations and contextual financial guidance.
• Real-time events: Triggers engagement as soon as transactions or behaviours occur.
• Referral and rewards: Runs in-app referral codes, tracking and instant rewards.
• Loyalty and gamification: Rewards customers for using products and reaching goals.
• Moneythor Studio: Lets bank teams build, test, launch and track insights without new code.

A Vietnamese retail bank could run referral campaigns with instant rewards to cut acquisition cost. A card issuer could raise activation with personalised nudges after onboarding. A bank app could add spending insights and savings guidance to increase daily use.

Moneythor positions the platform as delivering first outcomes in weeks rather than the 3 to 5 years of an in-house build. At Trust Bank in Singapore it supported 700,000 customers acquired since launch, with about 70% referred by friends or family, an 85% card activation rate and 2.2 million digital coupon redemptions. The platform holds ISO 27001 and SOC 2.

Digital banks and incumbents in Asia compete on engagement once account opening becomes easy, and they want AI-driven personalisation rather than static segments. Vietnamese banks with tens of millions of app users face the same challenge of turning registrations into active, multi-product customers.

Singapore-based, with CEO Martin Frick. Holds ISO 27001 and AICPA SOC 2. Clients shown include DBS, ANZ, BNZ, NAB, FAB, Old Mutual, Trust Bank, Chiba Bank and The Ogaki Kyoritsu Bank. Signed a strategic implementation partnership with FINEXCORE in 2026. Founding year not stated on the fetched pages.