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 own controls.

Schedule a Conversation How it works

Understand. Reason. Deliver.

Understands each customer.
It builds a picture of their financial life from the data you already hold, and asks only the questions that matter for them.
Applies your rules.
It brings your products, policies and house views to that picture, across every area of their financial life, to determine what each customer should consider, when and why.
Delivers guidance in your channels.
It sends guidance to customers in your app and online banking, and updates your bankers, so they can be proactive. Every step is recorded.

Monstro runs inside the digital and internal channels you already have.

Watch Monstro think

Pick a moment. Monstro notices it, draws on what it already knows, works the numbers across every area of the customer’s life, checks your rules, then guides the customer and prepares your people.

Built so that the same customer facts and the same approved rules give the same guidance. Illustrative examples: every person and figure is fictional.

Guidance, not insights

An insight tells a customer…	Monstro guidance tells them…
What happened in one account	What to do about their whole financial life
“Your dining spending rose 20% this month.”	“Most of your down payment is invested in stocks, and you plan to buy in 11 months. Here’s how much is at risk and what you could move.”
Triggered by a transaction	Triggered by a life change, and connected across tax, savings, debt, investments and protection
Built from the vendor’s logic	Built from your products, policies and house views
A notification	Guidance for the customer and a brief for their banker

Built for your team

CEO and President

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

Gives every customer guidance from you, the financial institution they already trust, without a new app or a core replacement.

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Head of Retail and Consumer Banking

Know every customer well enough to guide them.

Builds that picture over time by asking only the questions that matter, and delivers timely guidance in your banking app.

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Head of Business Banking

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

Spots those moments, connects them across business and personal finances, and gives your banker a ready brief.

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Head of Wealth Management and Private Banking

A wealth pipeline from relationships you already have.

Guides the mass-affluent and affluent customers your advisors can’t reach, identifies who is ready for an advisor, and starts next-generation relationships early.

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Chief Digital Officer

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

Delivers guidance into your existing app, online banking and messaging through an API.

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Chief Risk Officer and Compliance

AI guidance you can explain, approve and audit.

Runs on your approved rules. The same facts and the same rules always give the same guidance, and every recommendation is permanently recorded with its facts and rule set.

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CTO and CIO

An API, not a migration.

Works through APIs alongside your core, CRM and digital banking. It can run in the cloud or be hosted by you, and runs under your data-residency requirements.

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What changes when every customer is guided.

Customers stay for their biggest decisions.
Bankers know who to call and what to say.
You grow deposits, lending and assets under management from relationships you already have.

What stands between customers and good financial decisions

Capacity

1 : 850

One personal financial advisor for every 850 banked U.S. adults.

What it means

There have never been enough bankers and advisors to be there for every retail customer, consistently and compliantly, at scale.

Federal Reserve, U.S. Census Bureau and BLS · 2026

AI is already in the conversation

23%

of consumers who responded to a McKinsey survey say they use gen AI for financial tasks at least monthly.

What it means

Customers are already asking AI tools about their money. The question is whether those answers come from you or from somewhere else.

McKinsey, Global Banking Annual Review 2025 · Oct 23, 2025

The limits of one‑to‑one guidance

75%

of Americans say they want more guidance when deciding where to invest.

What it means

Personalized human guidance becomes economically difficult to provide at scale for smaller relationships. Many households with meaningful assets have no dedicated advisor.

2026 U.S. Bank Wealth Survey · Sep 21, 2026

The personalized service gap

20%

of bank customers say their provider always personalizes the information they receive.

What it means

A financial institution’s wealth business serves a small slice of its customers. Everyone else gets products, statements and an app, but rarely guidance made for them.

J.D. Power study · May 27, 2026

Wealth transfer

$124T

in U.S. wealth is projected to transfer through 2048.

What it means

As wealth passes to the next generation, an institution cannot assume the heirs will stay.

Cerulli Associates · Dec 5, 2024

When it comes to AI and their money, customers trust their bank first.

Monstro lets you act on that trust, with guidance for every customer under your controls.

62%

Trust their primary bank

19%

Trust a major tech company

Share of surveyed consumers who most trust each to offer gen AI financial services. McKinsey survey of 30,021 consumers, May 2025 · published Apr 30, 2026

You can be profitable today and still lose your place at the center of your customers’ financial decisions

The largest U.S. banks, in their own words.

“The more you invest, the more the ecosystem creates a moat for you in the company because you know more about the client and you know more about the advisor...”

Mary Callahan ErdoesChief Executive OfficerAsset & Wealth Management

Source

2026 Company Update – Line of Business Q&A Transcript · Feb 23, 2026