Digitally, through your existing channels
Monstro works around the clock, spotting the moments when a customer needs guidance and delivering it in your app, online banking and messages.
Works alongside the systems you already use.
Monstro reads your data and rules, applies them under your controls and delivers guidance through your existing digital and internal channels.
- Cash flow and debt
- Insurance
- Investments
- Retirement and benefits
- Tax
- Cross-border
- Estate and philanthropy
- Real estate
- Business ownership
- Education planning
- Life events
- Financial safety
- Governance
- Customer discovery
Cash flow and debt
From data to guidance, under your controls
The customer’s data
- Account and transaction data
- Documents and answers the customer shares
- Third-party data, through APIs
Your rules
- Products and approved financial solutions
- House views and investment philosophy
- Internal policies and governance standards
- Compliance requirements
- Permissions and access controls
- Advisor and banker workflows
Governance
Your rules, permissions, review steps and audit trail apply to every layer
- UnderstandBrings in your data and asks only for what is missing
- ReasonApplies your rules across every area of financial life
- DeliverGuidance for customers, briefs for bankers
Where Monstro shows up
For customers
- Mobile app
- Online banking
- Customer portal
- Messages
For bankers and advisors
- CRM
- Prepared customer briefs
- Advisor tools
On the record
Monstro keeps a permanent record of every recommendation: the facts it used, the rule it applied, the approved rule set it ran under and what the customer saw.
You stay in charge. Your guidance reaches each customer, and every decision stays with a banker or the customer.
Brings your own guidance
The guidance is yours: your products, policies and approval rules, applied to each customer’s situation.
Under your controls
Monstro presents guidance and suggested opportunities. A banker or customer then decides whether to act. The customer relationship stays with you.
Your mobile app
Your online banking
Your CRM
Your banker’s desktop
Your messages
Monstro has no app of its own. It works inside yours.
Governed by the institution
Approval and control
- Monstro builds the foundation and base rules, each institution sets its own house view, compliance language and controls, and both approve the launch and can audit it.
- Monstro presents guidance and suggested opportunities. A banker or customer then decides whether to act.
- Given the same customer facts and the same approved rules, the system always gives the same guidance.
- Real-time market and economic context is part of the reasoning.
Record and security
- Monstro keeps a permanent record of every recommendation: the facts it used, the rule it applied, the approved rule set it ran under and what the customer saw.
- Monstro’s SOC 2 assessment is in progress.
- Monstro can run in the cloud or be hosted by you.
- Monstro runs under each institution’s own regulations and data-residency requirements.
- No customer data is used to train any model.
- No customer data enters a model.
Two ways to reach every customer
Through your bankers
Monstro tells your bankers who needs them and why, with a brief ready before the call.
Monstro in Action
Illustrative examples.
Digitally
Saving for a first home
What changed
A customer moves money each month into an investment account at another firm, which they’ve shared with you. They’ve said they plan to buy a home within a year.
With 
What Monstro connected
Their timeline, the market exposure of the down payment, their cash flow and credit, and your mortgage criteria and savings products.
What your customer sees
How much of their down payment is exposed to a market fall, what moving part of it somewhere safer would mean as the purchase gets closer, and an early estimate of what they may be able to borrow.
What your banker sees
Your mortgage specialist gets the full context, including timeline, deposit and readiness, before the first conversation.
What you gain
The mortgage, and the savings now going to another firm.
Digitally and through an advisor
Selling the family business
What changed
A customer sells the business they ran for 15 years. The $2.4M in proceeds land in their checking account.
With
What Monstro connected
The change in income, what they hold and owe, and the questions only they can answer: expected tax on the sale, and when they plan to stop working. Monstro asks those questions. It also applies your liquidity rules, suitability requirements and the threshold at which a wealth advisor must step in.
What your customer sees
How much to keep easily available, what to think through before investing the rest, and the tax, estate and insurance questions the sale raises.
What your banker sees
Your wealth advisor gets an introduction brief, ready before the proceeds move elsewhere.
What you gain
The proceeds stay. A business banking relationship becomes a wealth relationship.
Digitally, then through a banker
Before the wealth transfer
What changed
Alicia, 38, banks with you through your app. Her father has been with your wealth team for 21 years, but she has never been served by it. She has just told you she’s expecting her first child.
With
What Monstro connected
What she chooses to share, her own life moments (a home, a promotion, a child), and your next-generation and household policies.
What your customer sees
Guidance on her own decisions, in her own channels, and an introduction to her father’s banker when she wants one.
What your banker sees
Her father’s banker sees what she has chosen to share, and when she is ready for an introduction.
What you gain
A relationship with the next generation, years before the transfer, and the assets that would otherwise leave with the heirs.
The customer decides. You are there when they do.