はじめに

急速に進化するデジタルバンキングにおいて、顧客エンゲージメントは成功への重
要な要素となっています。OKBはゲーミフィケーションを活用し、ユニークかつタ
イムリーな方法でユーザーを魅了している。Moneythorの機能を活用し、OKBは銀
行アプリ“LiFit”に新年のおみくじという斬新なアイデアを実装させました。この取り
組みは、ユーザーにポジティブに評価されただけでなく、エンゲージメント率の向
上にも寄与しました.

デジタルバンキングにおける顧客エンゲージメントの重要性

競争が激化する現在の金融業界においては、顧客エンゲージメントがこれまで以上
に重要になってきています。デジタルバンキングは、利便性とアクセシビリティを
向上し、人々の資産管理の方法を一変させました。その一方で、デジタルバンキン
グの台頭は、顧客の選択肢が増えたことを意味し、現状の銀行サービスに満足でき
ない場合、競合他社への乗換えが容易にさせることとなりました。

エンゲージメントの高い顧客は、銀行へのロイヤリティも高く、より多くの商品や
サービスを利用し、銀行にとって貴重なフィードバックを提供する可能性が高いと
考えられております。エンゲージメントの高さは、即ち継続率の向上・生涯価値の
向上・顧客との関係強化に直結します。

ゲーミフィケーション： エンゲージメント強化の鍵

ゲーミフィケーションは、銀行を含む様々な業界で強力なツールとして登場しまし
た。ありふれた活動をゲームで魅力的な体験に変えることによって、銀行は顧客と
の繋がりを深めることができます。今回のOKBのおみくじは、ゲーミフィケーショ
ンをデジタル・バンキング・プラットフォームに取り込むことで、ユーザーのエン
ゲージメントを高める効果的な一つの方法と考えられるのではないでしょうか。

新年を迎え、人々が将来について特に関心を持つ時期に、OKBはLiFitアプリでお
みくじ機能を提供しました。Moneythorのオールインワン・エンゲージメント・エ
ンジンを使って提供されたこの機能は、ユーザーがデジタルおみくじを振り、2024
年の個人的な運勢をスマホアプリ上で占うことを可能としました。新年が自分にと
ってどのような年になるかを占うという機会に興味を引くことで、この機能は内容
的にも時期的にも適切かつ魅力的なものだったと考えられます。

The post おみくじで銀行アプリに楽しさを提供: OKB のゲーミフィケーション・アプローチ appeared first on Moneythor.

In the fast-evolving landscape of digital banking, customer engagement has become a crucial factor for success. OKB, has harnessed the power of gamification to captivate its users in a unique and timely manner. Leveraging Moneythor’s capabilities, OKB introduced an innovative feature on their LiFit app that allows customers to predict their fortune for the upcoming year. This initiative not only resonated with their user base but also significantly boosted engagement rates.

The Importance of Customer Engagement in Digital Banking

In today’s competitive financial environment, customer engagement is more important than ever. Digital banking has transformed the way people manage their finances, offering convenience and accessibility. However, the rise of digital banking also means that customers have more options, making it easier for them to switch to a competitor if they are not satisfied with their current bank’s services.

Engaged customers are more likely to be loyal, use more products and services, and provide valuable feedback. High levels of engagement can lead to increased retention rates, higher lifetime value, and a stronger overall customer relationship.

Gamification: A Key to Enhanced Engagement

Gamification has emerged as a powerful tool in various industries, including banking. By transforming mundane activities into engaging experiences, banks can foster deeper connections with their customers. OKB’s initiative exemplifies how gamification can be effectively integrated into digital banking platforms to enhance user engagement.

At the turn of the new year, a time when people are particularly interested in what the future holds, OKB launched a fortune prediction feature on their LiFit app. This feature, developed using Moneythor’s all-in-one personalisation engine, allows users to shake a digital fortune slip and reveal a personalised prediction for 2024. Launched at the start of the new year, it tapped into the natural curiosity and optimism that accompanies this period. Users were intrigued by the opportunity to see what 2024 might hold for them, making the feature both relevant and enticing.

51.7% of customers who saw the pop-up notification chose to participate, a three times higher engagement rate than the typical response to other recommendations on the app.

Why It Worked

Several factors contributed to the success of OKB’s fortune slip feature:

1. Timeliness: Launching the feature at the beginning of the new year when users are naturally curious about their future created a timely and relevant context.
2. Personalisation: The feature offered a personalised experience, making users feel directly addressed and engaged.
3. Simplicity and fun: The simple, playful interaction of shaking a fortune slip provided a fun diversion, encouraging users to participate.

How can Moneythor help?

By enabling personalised, engaging interactions, Moneythor helps financial institutions like OKB deliver timely and relevant content to their users.

Moneythor’s engine serves as a bridge between financial institutions’ backend systems and their digital channels, facilitating the delivery of engaging and personalised experiences for end-users. By integrating the Moneythor solution, banks and FinTech firms can elevate their digital offerings with built-in gamification features, alongside providing personalised insights, actionable recommendations, and contextual nudges tailored to enhance user engagement.

The post Fortune and Fun: OKB’s Gamified Approach to Banking appeared first on Moneythor.

The integration brings together Yoyo’s diverse catalogue of rewards and Moneythor’s personalisation engine to offer banking customers engaging, personalised and timely rewards based on their previous behaviours and transactions.

Yoyo Group’s catalogue of rewards from South African-based retailers and merchants can be seamlessly integrated into Moneythor’s engine to bring tailored and contextual loyalty campaigns to customers in real-time. Additionally, the seamless integration enables bank employees to manage and set up redemption rules for vouchers and rewards quickly and efficiently.

Speaking on the integration capabilities with Moneythor, Mia Morkel, Chief Commercial Officer at Yoyo Group, commented, “Our mission is to enrich lives, empowering companies to thrive through seamlessly integrated rewards that delight their customers. By having Moneythor integrate to our Rewards engine, we can help financial services providers to improve their bottom-line through continued innovation in loyalty offerings.”

Martin Frick, Moneythor CEO added “We are delighted to be working with the team at Yoyo Group, to continue bringing our personalised loyalty campaigns to South Africa. By accessing Yoyo Group’s diverse catalogue of rewards we can optimise digital banking loyalty campaigns and drive measurable business results for our banking clients.”

About Moneythor

Moneythor provides an all-in-one personalisation engine for financial services that delivers actionable data-driven insights, recommendations, and nudges to support the entire customer journey from acquisition to activation to engagement. Examples of these include money management nudges, budgets, savings goals, predictive forecasts, financial literacy material, relevant offers, referral campaigns, gamification, loyalty programs and more.

Headquartered in Singapore, Moneythor is also present in Paris, Dubai, Sydney and Tokyo. Moneythor’s broad geographical footprint includes financial institution clients in Australia, France, Hong Kong, India, Indonesia, Japan, Malaysia, New Zealand, Saudi Arabia, Singapore, South Africa and the UAE.

About Yoyo Group

Yoyo Group provides customer loyalty and rewards software, dedicated to transforming the buying experience. With over 5 million monthly active users and partnerships with more than 18,000 stores across 12 countries, Yoyo Group specialises in custom branded payment, ordering, and loyalty solutions. Their innovative platform helps businesses attract, engage, retain, and grow their customer base through data-driven insights and targeted campaigns.

The post Moneythor Integrates With Yoyo Group to Bring Personalised Loyalty Campaigns to South African Customers appeared first on Moneythor.

Background

Discussions about the future of banking are constant and reflect the ongoing evolution of banks and the concerted efforts to modernise internal banking systems and their supporting solutions. Banks of all sizes and across all geographies are aware that they need updated and modern technology in order to deliver the experiences and services that modern banking customers are looking for.

While significant strides have been made towards updating the digital banking ecosystem, it’s evident that banks are generally embracing these changes at their own pace and on their own timelines.

Transforming banking infrastructure is of course important for future success, but that doesn’t mean that every bank is ready to undertake a full overhaul of systems and their technology stack right now.

How does SaaS fit-in?

The advent of Software as a Service (SaaS) has revolutionised numerous industries, offering streamlined deployment and management options for solutions that were traditionally on-premise. This shift has now extended its focus to banking, where SaaS is increasingly recognised for its potential to modernise operations, enhance agility, and improve customer experiences. However, despite its transformative potential, not all banks are prepared to fully embrace SaaS solutions at present.

For banks, determining the optimal timing for adopting SaaS deployment depends on various factors. Conversely, sticking to on-premise or private-cloud deployments might be preferable in certain situations. It’s crucial for banks to weigh these factors carefully to make informed decisions about their IT strategies.

Exploring deployment choices: what options are available?

Banks have several deployment options available to them: on-premise, private cloud, and SaaS. Each option has its own benefits and ultimately, the choice of deployment option depends on a range of factors such as security needs, scalability requirements, and regulatory compliance.

SaaS

solutions eliminate infrastructure needs, offering simple access and regular updates, but may raise concerns about data privacy and control.

On-Premise

involves hosting software locally on the bank’s own servers and infrastructure. It offers high control but requires infrastructure investment and maintenance.

Private Cloud

leverages private cloud infrastructure managed by a third-party provider. This option provides scalability and flexibility while still ensuring a dedicated and secure environment.

Determining when SaaS is the right choice for a bank

Determining when a SaaS deployment is the optimal choice for a bank depends on various factors, including project goals, vendors available, integrations required and the regulatory environment.

Goals of the project

For some SaaS deployments, the scope of what can be offered is limited. If your financial institution is looking for a full scale deployment of a vendor’s solution be sure to understand the potential trade-offs when choosing a SaaS deployment.

Regulatory environment

The geographical location of the bank and the regulatory landscape it navigates is important. Data residency concerns may arise, especially concerning cross-border data movement. On the other hand, certain regulators advocate for banks to embrace cloud migration and explore SaaS alternatives. Either way it can influence whether a bank decides on a SaaS deployment.

Data integration requirements

For many SaaS providers, they can simply set up an instance for each client. However, for data-reliant solutions, the requirement for seamless data integration remains. Ensuring that internal systems can integrate to a SaaS environment is an important consideration.

What considerations are key when selecting a SaaS vendor?

When selecting a SaaS solution vendor, several critical considerations come into play, with reliability, scalability, and security topping the list.

Reliability

Reliability is paramount, ensuring that the vendor’s services are consistently available and perform optimally without disruptions. A robust infrastructure, redundancy measures, and proactive monitoring are indicators of reliability.

Scalability

Scalability is another crucial factor, especially for banks anticipating growth or fluctuations in demand. The chosen vendor should offer an infrastructure that can seamlessly accommodate increases in user base or data volume without compromising performance.

Security

Security is of utmost importance in the banking sector. Banks must ensure that the SaaS vendor adheres to stringent security protocols, such as encryption, access controls, and regular security audits. Compliance with industry standards and regulations such as SOC2 and ISO 27001 are also crucially important.

When SaaS isn’t the right fit

The post Considerations When Choosing a SaaS Deployment appeared first on Moneythor.

Arat, the leading sukuk crowdfunding platform for SME real-estate developers in Saudi Arabia has gone live with Moneythor, the global provider of personalised engagement and loyalty solutions, to drive activation and boost customer engagement.

Arat has deployed Moneythor’s cutting-edge loyalty solution to enhance its financing and investing offerings with an innovative loyalty programme. Customers can earn points through referrals, participating in the investment opportunities, or other activities, with flexible redemption options such as adding funds directly to their wallets or spinning a wheel for instant cashback or prizes. This enriches the overall customer experience and fosters long-term loyalty. By leveraging Moneythor’s loyalty platform, Arat aims to incentivise customers to actively engage with its platform, thereby maximising customer relationships.

Mashari Alomayyer, Co-founder and CEO expressed his enthusiasm for the partnership, stating, “At Arat, we are committed to empowering SME real-estate developers through innovative financial solutions. Our collaboration with Moneythor to introduce a loyalty program not only enhances customer engagement but also fosters loyalty among our user base. Together, we are revolutionising sukuk crowdfunding, paving the way for inclusive and accessible financing options in Saudi Arabia”

Martin Frick, CEO of Moneythor, added “We are thrilled to collaborate with Arat in reshaping the landscape of sukuk crowdfunding in Saudi Arabia. Our belief in enriching the overall customer experience aligns with Arat’s vision, and we’re delighted to see this shared commitment in delivering personalised customer-first digital experiences for their users with best-in-class loyalty services.”

The post Arat goes live with Moneythor to launch innovative loyalty programme in Saudi sukuk crowdfunding appeared first on Moneythor.

金融機関並びにフィンテック企業に対してリアルタイムでパーソナライズされたデジタル
顧客体験やロイヤリティのソリューションを提供するリーディングプロバイダーであるMoneythor
（以下、弊社）は、本日、大手地域金融機関である千葉銀行様に採用され、今後導入されることを発
表しました。

千葉銀行様は、多岐に渡る顧客ニーズを把握し、オーダーメイドの提案を提供し、顧客体験を向上さ
せる革新的なデジタルソリューションを積極的に模索してきました。
千葉銀行様は、今後益々増加するデジタルツールをご利用されるお客さまに、“ちばぎんアプリ”上で
お店にご来店されるお客さまと同じような「パーソナライズなご提案を行う方法」や「エンゲージメ
ントを強化する方法」を実現できるオールインワンのソリューションを探し求められておりました。

千葉銀行様は、マネーソーの最先端技術の活用により、顧客の嗜好に合わせたパーソナライズされた
知見を提供し、これまで以上に顧客との関係性を強化すると共に、デジタルチャネルのみならずリア
ルチャネルも含めた銀行全体での顧客体験全体の向上を目指します。また、弊社のグローバルでの豊
富な経験を千葉銀行様に提供することで、デジタルバンキングサービスをさらに洗練させるための洞
察やベストプラクティス強化に繋がると信じております。

千葉銀行 執行役員 デジタル戦略部長 柴田秀樹様は、弊社の採用について次のように述べられてお
ります。Moneythorを活用することで、お客さまの気になるお客さま自身の情報を提供し、その流れ
の中で「パーソナライズなご提案」に繋ぐ形を作ることや、また、リアルタイムの「ナッジやリマイ
ンダー」によって、デジタルでつながる多くのお客さまとのエンゲージメント強化が図れると考え、
導入を決定しました。

千葉銀行が掲げる、「一人ひとりの思いを、もっと実現できる地域社会にする」というパーパスのも
と、日々刻々と変化する顧客行動に対して、担当者が高い自由度と運用の容易性をもってお客さまと
のエンゲージメントをスピーディに実現するために、エンジンやインタフェースを常にブラッシュア
ップしていくことや、グローバルでの利用実績の多さからくる様々なユースケースの共有などを通じ
て、お客さまに「最高の顧客体験」をお届けする機能をますます強化されていくことを期待していま
す。

弊社CEOであるMartin Frick（マーティン・フリック）は、「千葉銀行様と協業し、顧客のデジタルバ
ンキング体験を向上させるというミッションに参加できることを嬉しく思います。弊社は、『ちばぎん
アプリ』の革新と機能強化を継続し、ユーザーの皆様がそれぞれの金融上の目標や希望に沿ったオー
ダーメイドの提案やパーソナライズされたサービスを受けられるよう、全力で支援して参ります。

The post 千葉銀行がパーソナライズされたデジタルバンキング体験を提供すべくMoneythorを採用 appeared first on Moneythor.

Moneythor, the leading provider of real-time, personalised engagement and loyalty solutions for banks and fintech firms today announced that it has been selected by Chiba Bank, one of the leading regional banks in Japan, to bring real-time personalised experiences to its customers and enhance customer engagement.

Recognising the evolving needs of its customers, Chiba Bank has proactively sought innovative solutions to deliver tailored recommendations and enhance customer digital experiences. Chiba bank required an all-in-one solution that could deliver money management features, savings challenges, cash flow predictions and more on their “Chibagin App.”

By leveraging Moneythor’s cutting-edge technology, Chiba Bank aims to provide customers with personalised insights tailored to their unique preferences, thereby fostering deeper connections and enhancing the overall digital banking experience. Additionally, Moneythor’s extensive global experience will serve as a valuable resource for Chiba Bank, providing insights and best practices to further refine its digital banking offerings.

Speaking on selecting Moneythor, Hideki Shibata, Executive Officer and General Manager – Digital Strategies Unit at Chiba Bank, commented “At Chiba Bank, our primary focus is to deliver personalised, seamless, and engaging digital experiences to our customers. We believe that by leveraging Moneythor’s technology, we can empower our customers with personalised insights and recommendations that resonate with their interests. This creates a sense of community amongst our customers and enhances digital connections, all while catering to their increased reliance and use of digital tools in the future”

Martin Frick, CEO of Moneythor, added “We are delighted to be working with the team at Chiba Bank and to join their mission to elevate the digital banking experience for their customers. Together, we will continue to innovate and enhance the capabilities of the “Chibagin App”, ensuring that users receive tailored recommendations and personalised services that align with their financial goals and aspirations.”

The post Chiba Bank selects Moneythor to revolutionise personalised banking experiences for over one million customers appeared first on Moneythor.

Moneythor, the leading provider of all-in-one personalisation solutions for financial institutions, today proudly announces the appointment of Martin Frick as its new Chief Executive Officer. Concurrently, Olivier Berthier, the co-founder of Moneythor will transition to the role of Chairman, continuing to provide invaluable guidance and support to the organisation.

This significant leadership transition marks a significant milestone in the evolution of Moneythor and comes at a time of significant growth and expansion for Moneythor, marked by the acquisition of numerous clients across various new markets and regions.

With a career spanning more than three decades, Martin boasts extensive experience and a proven track record of fostering organisational success in dynamic and competitive markets. His tenure includes notable roles such as Managing Director, Asia Pacific, at industry-leading software firms Temenos and Avaloq. Most recently, Martin led his own consultancy business, Amsantix Pte Ltd., assisting technology companies in scaling and achieving sustainable growth.

In his role as CEO, Martin will focus on accelerating growth, fostering innovation, and strengthening Moneythor’s position as a market leader in the financial services personalisation space.

Olivier, who has played an instrumental role in founding and shaping Moneythor since its inception, will assume the position of Chairman. In this capacity, he will continue to contribute his strategic insights and industry expertise to guide the company’s long-term vision and strategic direction. As Chairman, Olivier will work closely with Martin to ensure a seamless transition and sustained momentum.

Commenting on the leadership transition, Olivier expressed confidence in Martin’s ability to lead Moneythor through this next chapter of growth. He stated, “I am incredibly proud of what we have achieved at Moneythor over the last 11 years. As I transition to the role of Chairman, I have full confidence in Martin’s leadership capabilities and vision for the future. Together, we will continue to drive innovation, foster growth, and deliver exceptional value to our customers.”

Martin added “I am honoured to join Moneythor at such an exciting time in its journey. Under Olivier’s leadership, Moneythor, has achieved great success and built a strong foundation upon which I look forward to growing. Together, we will chart a course for continued success and solidify Moneythor’s position as a leader in the financial services space.”

The post Moneythor Welcomes Martin Frick as New CEO to Drive Strategic Growth appeared first on Moneythor.

Moneythor, the leading provider of real-time, personalised engagement and loyalty solutions for banks and fintech firms today announced, that its technology has been deployed by Axis Bank, one of the leading private sector banks in India, to bring real-time personalised, actionable and contextual experiences to its customers. Through this partnership, Axis Bank aims to increase customer engagement and enhance their overall banking experience.

Axis Bank has implemented Moneythor’s digital engagement platform to deploy real time contextual nudges and engage in animated year end wrap solutions, to encourage customers to try different journeys on mobile banking app. By leveraging Moneythor’s digital solutions, the Bank will process data in real time, manage the large scale information, and transactional data. 

Speaking of the partnership, Balaji N, President and Head – Business Intelligence Unit at Axis Bank, commented “At Axis Bank, our primary focus is to deliver personalised, seamless, and engaging digital experience to our customers. By leveraging Moneythor’s technology, we can build a best-in-class personalisation engine, unlock new opportunities for growth, deepen customer relationships, and drive sustainable competitive advantage in the digital world. Through the adoption of intelligent automation initiatives, we will strengthen our value proposition and deliver engaging personalised programs on a large scale.”

Olivier Berthier, CEO of Moneythor, added “We are delighted to partner with Axis Bank to bring our all-in-one real-time personalisation solution to customers in India. Axis Bank is transforming the digital banking experience for its customers and we are excited to be able to support them in this endeavour through our personalisation & engagement engine dedicated to digital banking services. Additionally, this is Moneythor’s first large scale deployment in India and we look forward to expanding the capabilities of our solution in what is a hugely exciting market for us.”

The post Axis Bank deploys Moneythor’s cutting edge personalisation engine appeared first on Moneythor.

Dubai & Singapore, 17th April 2024 – Moneythor, the leading provider of all-in-one personalisation solutions for financial services, today announced a strategic partnership with YOUGotaGift, the leading marketplace for digital gift cards in the MENA. 

This collaboration brings together YOUGotaGift’s extensive digital gift card catalogue and Moneythor’s data-driven and personalised loyalty programs to deliver tailored rewards and eGift Cards to MENA customers from a variety of relevant vendors in the region. 

Moneythor’s AI-powered engine allows for the creation and delivery of highly personalised loyalty campaigns to customers. These campaigns are tailored based on transaction data and a variety of customer behaviours, actions, and insights. 

The seamless setup between Moneythor’s back-office tool and YOUGotaGift’s catalogue of digital Gift Cards enables bank employees to quickly set up hyper-personalised and pan-bank loyalty campaigns and rewards programs, saving time and increasing efficiency.  

Speaking on the partnership, Husain Makiya, Co-Founder and CEO at YOUGotaGift, commented “We are dedicated to helping brands reach a wider mix of customers. Through our partnership with Moneythor, banking customers will now have the option to enjoy a broad choice of digital gift cards from our extensive network of 900+ brands across MENA.” 

Olivier Berthier, Moneythor Co-Founder and CEO added “We have seen substantial growth and adoption of loyalty programs by financial service providers across the MENA region. We are very pleased to be working together with YOUGotaGift, the region’s top marketplace for digital gift cards as we are confident in their technology and service quality. Through this partnership we look forward to delivering more loyalty campaigns and rewards programs to customers and driving measurable business results for our clients.” 

About Moneythor 

Moneythor provides an all-in-one personalisation engine for financial services that delivers actionable data-driven insights, recommendations, and nudges to support the entire customer journey from acquisition to activation to engagement. Examples of these include money management nudges, budgets, savings goals, predictive forecasts, financial literacy material, relevant offers, referral campaigns, gamification, loyalty programs and more.  

Headquartered in Singapore, Moneythor is also present in Paris, Dubai, Sydney and Tokyo. Moneythor’s broad geographical footprint includes financial institution clients in Australia, Canada, France, Hong Kong, India, Indonesia, Japan, Malaysia, New Zealand, Saudi Arabia, Singapore and the UAE.  

About YouGotaGift 

YOUGotaGift is the leading marketplace for digital gift cards, and the partner of choice for consumers and businesses in MENA. We are transforming prepaid cards to Branded Currency across gifting, incentives & payments to drive acquisition, build engagement, and increase loyalty. With value creation at its core, YOUGotaGift offers unparalleled consumer experiences, and incentives & merchant solutions for a network of 900+ Brands, 2,000+ Corporates including 40+ major Loyalty Programs. 

The post Moneythor and YOUGotaGift Partner to Deliver Personalised Customer Loyalty Campaigns Across the MENA Region appeared first on Moneythor.