Built for your team

Monstro gives you the capacity to serve every customer the way you serve your best ones: personalized banking and wealth guidance, delivered around the clock through your bankers and digital channels, under your controls.

CEO and President

Keep your place at the center of your customers’ financial lives.

Monstro gives every customer guidance from you at the moments that decide where their money goes, so growth comes from the relationships you already have, under your controls.

Your challenge

Grow and protect your share in your key lines of business while AI agents start to come between your customers and their money. You need revenue from the relationships you already have, without adding cost for every customer.

Benefits

Retention: Be the one guiding customers when deposits, proceeds and rollovers are about to move.
Expansion: Turn decision moments into the next mortgage, lending product or wealth relationship, from you.
Capacity: Serve every customer the way you serve your best ones, and point your bankers at the customers who are ready.
Control: A customer-facing AI program that runs on your rules, with every guidance message on the record.

What you can measure

Primacy: share of customers with you as their main financial institution
Deposit and proceeds retention at decision moments
Fee income and products per relationship
Referrals between lines of business

Head of Retail and Consumer Banking

Know every customer well enough to guide them.

You know what your customers did, not what they’re planning. Monstro learns their plans and guides them, so the next product is yours.

Your challenge

Engagement is shallow and your picture of most customers is thin: balances and transactions, but little else.

Benefits

Engagement: Give customers a reason to open your app that’s about their plans, not their balance.
Products per customer: Spot the mortgage, the savings account and the next card while the customer is still planning.
Lending pipeline: See home buyers months before they apply.
Deposit retention: Keep savings that would otherwise build up at another firm.

What you can measure

Engagement with guidance in the app
Products per customer
Mortgage and lending pipeline from existing customers
Deposit retention

Head of Business Banking

See the business owner’s biggest moments before anyone else does.

The best chance to keep and grow a business relationship is spotting the moment it changes. Monstro spots it and gives your banker what they need to act first.

Your challenge

Business sales, large receipts and succession events show up in your accounts as balance changes that nobody acts on.

Benefits

Retention: Keep sale proceeds and large receipts with you when they land.
Banker efficiency: Your bankers know who to call, why, and what to raise.
Wealth referrals: A business relationship becomes a family wealth relationship.

What you can measure

Proceeds retained after a sale or large receipt
Treasury and lending growth
Referrals into wealth management, and how many convert
Banker time spent per opportunity

Head of Wealth Management and Private Banking

A wealth pipeline from relationships you already have.

Your next wealth customers already bank with you, and so do the heirs. Monstro guides them now and brings your advisors the ones who are ready.

Your challenge

Too few qualified referrals from your retail bank, advisors at capacity, and heirs likely to leave.

Benefits

Pipeline: Qualified referrals from your own bank, with the facts attached.
Advisor capacity: Advisor hours go to conversations, not to assembling the picture.
Next generation: Relationships with heirs, years before the transfer.
Reach: Guidance for affluent customers below your advisors’ minimums.

What you can measure

New assets from existing banking customers
Referral volume and the share that open a wealth relationship
Advisor time spent with customers
Next-generation relationships opened

Chief Digital Officer

Personalization your app doesn’t have to be rebuilt for.

The fastest way to personalize your app is to add guidance to it. Monstro delivers it through an API, specific to each customer, with no rebuild.

Your challenge

You’re under pressure to deliver personalized experiences in your app without a multi‑year rebuild.

Benefits

Personalization: Every message reflects the customer’s own facts and plans.
Speed to launch: Start in a channel you already run and add the rest when you’re ready.
Engagement: A reason to come back beyond checking a balance.
Ownership: You keep the design, the voice and the rollout.

What you can measure

Engagement with guidance messages
Active digital users and repeat use
Actions started from guidance, such as an appointment booked
Time to launch in the first channel

Chief Risk Officer and Compliance

Guidance you can explain, approve and audit.

Customers already take their money questions to AI. Monstro lets you answer them with guidance you approved, can explain and have on the record.

Your challenge

Model risk, explainability, and the reputational risk of AI saying the wrong thing to your customers.

Benefits

Approval: Your house view, compliance language and controls are set before launch.
Explainability: Every guidance message shows the facts, the rule and the rule set behind it.
Audit readiness: A permanent record of what each customer saw.
Controlled rollout: Start with one channel and segment, and widen when you’re ready.

What you can measure

Time to model-risk sign-off
Share of guidance messages fully reconstructable from the record
Exceptions and escalations to licensed staff
A controlled rollout by channel and segment

CTO and CIO

On-prem, not a migration.

Personalized guidance across the bank, delivered through APIs alongside the systems you already run.

Your challenge

Integration burden, data residency and security review.

Benefits

Not a rip and replace: APIs alongside your core, CRM and digital banking. Nothing is replaced.
Deployment choice: Cloud, or on-prem, under your data-residency requirements.
Data protection: No customer data enters a model or is used to train one.

What you can measure

Integration effort for the first channel
Security review completed
Time from kickoff to first guidance in production

Enter into the new banking era

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