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, asks what it needs, works the numbers across every area of the customer’s life, checks your rules, then guides the customer and briefs your banker.

Frank, 61

Sold the machine shop he ran for 15 years

Illustrative example

Stage 1 of 6

What Monstro noticed

$2.4M lands in checking
Source: sale of his business
Spending about $15,000 a month, from account history

Stage 2 of 6

Monstro asks

MonstroWhen do you plan to stop working?

FrankIn about two years.

MonstroHas your accountant estimated the tax due on the sale?

FrankAround $450,000.

Stage 3 of 6

Thinking it through

Business ownershipSale closed. Income from the business stops now.
Cash flow and debtTwo years to retirement at $15,000 a month: $360,000 to keep easily available.
TaxSet aside $450,000 for the tax before investing anything.
Investments$2.4M − $450,000 − $360,000 leaves about $1.59M to plan with.
Retirement and benefitsA two-year horizon shapes how that $1.59M is invested.
Estate and philanthropyBeneficiaries on file predate the sale.
InsuranceHealth and key-person cover through the business have likely ended.

Stage 4 of 6

Checks your rules

Liquidity policyKeep 24 months of spending easily available
Suitability requirementsA risk profile before any investment guidance
Wealth-advisor referral thresholdOver $1M to invest: introduce a wealth advisor
Approved compliance languageWording from your approved library

Stage 5 of 6

The guidance

Your bankIn your app · now

Congratulations on the sale, Frank. Before anything moves, it makes sense to set aside about $450,000 for the tax and keep about $360,000, two years of spending, easily available. That leaves about $1.59M to plan with. Your health cover through the business has likely ended, and your beneficiaries predate the sale. Would you like to meet your wealth advisor to go through it?

Brief for your banker

Wealth advisor

Proceeds $2.4M in checking
Tax reserve $450,000 (customer's estimate)
Keep available $360,000 (24 months)
About $1.59M to plan with; retiring in about 2 years
Open: health cover, beneficiaries, risk profile

Suggested opportunityBusiness banking relationship becomes a wealth relationship

Stage 6 of 6

On the record

Facts used: Deposit $2.4M · spending $15,000/mo · retire in 2 yrs · tax est. $450,000
Rule applied: 24-month liquidity · $1M advisor threshold
Approved rule set: Your wealth guidance rules, v4 (illustrative)
What the customer saw: In-app message, with an offer to meet his advisor

Stage 1 of 6

What Monstro noticed

Her paycheck now comes from a new employer
Take-home up about $600 a month
Old 401(k): $186,000, shared with you

Stage 2 of 6

Monstro asks

MonstroDid your life and disability cover end with your last job?

KarenI think so. The new plan starts in 90 days.

MonstroDoes your new employer match your 401(k), and from when?

KarenYes, up to 4%, from day one.

Stage 3 of 6

Thinking it through

Life eventsNew employer in payroll deposits since October 15.
Cash flow and debtAbout $600 more take-home a month.
Insurance90 days with no employer life or disability cover.
Retirement and benefitsContributing at least 4% captures the full match.
TaxHigher pay: worth checking withholding on the new W-4.
Investments$186,000 old 401(k): leave it, move it to the new plan, or roll it to an IRA.

Stage 4 of 6

Checks your rules

Retirement rollover policyShow the options; a licensed advisor recommends
Coverage-gap thresholdA gap over 30 days is flagged
Referral to a licensed advisorOver $100,000: offer an advisor conversation
Approved compliance languageRollover wording from your approved library

Stage 5 of 6

The guidance

Your bankIn your app · now

Congratulations on the new role, Karen. Three things worth a look: you may have no life or disability cover for the next 90 days; contributing at least 4% gets your full match from day one; and you have three options for your old 401(k), each with different fees and choices. Would you like to talk them through with one of our advisors?

Brief for your banker

Her banker

New employer since Oct 15; take-home up ~$600/mo
90-day gap in life and disability cover
Old 401(k) $186,000: options shown, no recommendation made
Customer asked to talk

Suggested opportunityRollover conversation with a licensed advisor

Stage 6 of 6

On the record

Facts used: New payroll source · 401(k) $186,000 (shared) · 4% match (customer)
Rule applied: Coverage gap over 30 days · rollover options, no recommendation
Approved rule set: Your retirement guidance rules, v4 (illustrative)
What the customer saw: In-app message, with an offer to talk to an advisor

Stage 1 of 6

What Monstro noticed

$1,500 a month to an investment account at another firm, shared with you
Balance $68,000, 90% in stocks
Plan: buy within 11 months

Stage 2 of 6

Monstro asks

MonstroWhat is your household income, including anyone buying with you?

Priya and DevAbout $165,000 together.

MonstroWhere are you hoping to buy, and in what price range?

Priya and DevCharlotte, around $450,000.

Stage 3 of 6

Thinking it through

Real estate$450,000 home: 10% down is $45,000, plus about $13,000 in closing costs.
Investments$61,000 of the $68,000 is in stocks, 11 months before they need it.
Financial safetyThree months of spending, about $18,000, should stay aside after closing.
Cash flow and debtWith a $405,000 mortgage and their car loan, debt-to-income is about 28%.
InsuranceHomeowners cover at closing; life cover to match the mortgage.

Stage 4 of 6

Checks your rules

Mortgage criteriaDebt-to-income within your limit
Emergency-fund policyThree months of spending kept after closing
Savings productsMoney needed within 24 months belongs in savings
Approved compliance languageBorrowing shown as an estimate, not an offer

Stage 5 of 6

The guidance

Your bankIn your app · now

You're close to a $450,000 home. Right now about $61,000 of your down payment is in stocks, 11 months before you need it; a 20% market fall would cost about $12,000. Moving it into savings as the date gets closer protects it. Plan to keep about $18,000 aside after closing. Based on what you've shared, you may be able to borrow around $405,000. This is an early estimate, not an offer.

Brief for your banker

Mortgage specialist

Buying in Charlotte in ~11 months; target $450,000
Household income ~$165,000; DTI ~28% with the new mortgage
$68,000 saved at another firm; $61,000 in stocks
Down payment $45,000 + closing ~$13,000 + reserve $18,000

Suggested opportunityPre-approval, and the savings now going to another firm

Stage 6 of 6

On the record

Facts used: Shared account $68,000 · income $165,000 (customer) · price $450,000 (customer)
Rule applied: DTI limit · 3-month reserve · 24-month savings rule
Approved rule set: Your lending and savings rules, v4 (illustrative)
What the customer saw: In-app message, with the estimate labeled as not an offer

Stage 1 of 6

What Monstro noticed

Banks with you through your app
Shares that she's expecting her first child in May
Take-home about $1,900 a week

Stage 2 of 6

Monstro asks

MonstroWill either of you take unpaid leave, and for how long?

AliciaI'll take 12 weeks. Six are paid.

MonstroDo you have life cover and a will that names a guardian?

AliciaOnly cover through work. No will yet.

Stage 3 of 6

Thinking it through

Life eventsFirst child due in May.
Cash flow and debtSix unpaid weeks at $1,900: about $11,400 less take-home.
Financial safetyBuild a buffer of about $11,400 before May.
InsuranceCover through work only, and it ends if she changes jobs.
Estate and philanthropyNo will, so no named guardian.
Education planningA 529 plan started at birth has 18 years to grow.

Stage 4 of 6

Checks your rules

Next-generation policyGuide her directly, in her own channels
Household-relationship policyLink to her father's household only with her consent
Consent to share with familyNothing shared with her father's banker without her say-so
Approved compliance languageWording from your approved library

Stage 5 of 6

The guidance

Your bankIn your app · now

Congratulations, Alicia! A few things to get ready before May: set aside about $11,400 to cover your unpaid weeks, look at life cover that stays with you if you change jobs, and write a will that names a guardian. A 529 plan can start the day your baby arrives. If you'd like, we can introduce you to the banker who works with your father.

Brief for your banker

Her father's banker

Alicia has chosen to share: baby due in May
Open: leave buffer, life cover, will and guardian
Ready for an introduction: yes

Suggested opportunityA relationship with the next generation, years before the transfer

Stage 6 of 6

On the record

Facts used: Due date May (customer) · 6 unpaid weeks (customer) · take-home $1,900/wk
Rule applied: Next-generation policy · consent before any family link
Approved rule set: Your household guidance rules, v4 (illustrative)
What the customer saw: In-app message, with an optional introduction

The customer decides. You are there when they do.

Figures are illustrative.

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.

Learn more

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.

Learn more

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.

Learn more

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.

Learn more

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.

Learn more

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.

Learn more

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.

Learn more

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