Digital Banking Products

Build Meaningful Customer
Engagement

Personal Finance

Personal Finance

Transform quality and frequency of engagement by personalising the digital banking customer experience

Business Finance

Business Finance

Empower your SME customers with a real-time view of their finances and help them improve their cash conversion cycle

Engagement Platform

Engagement Platform

Revamp your customer relationship through a personalised dialog of financial insights, advice and product recommendations

Personal Finance

Transform quality and frequency of engagement by personalising the digital banking customer experience

Meniga’s Personal finance innovation toolbox facilitates delivery of rich, personalised functionality and insights accessible via RESTful API. The Personal Finance solution enables banks to personalise digital banking and deliver a customer experience that rivals social media platforms

Cards & Accounts

Cards & Accounts

Consolidated view of all your cards & accounts with balance history & forecast

One of the most common tasks for online bank users is to check the available balance on their cards and accounts

  • All cards & accounts, including spouse accounts for a household view of your finances
  • Aggregation services to bring external accounts into a single view
  • Balance history and projected balance based on upcoming transactions
  • Notification alerts for balance thresholds

Request Demo Data Consolidation & Enrichment

Transactions, Categorisation & Search

Transactions, Categorisation & Search

Unified list of transactions from all cards & accounts with powerful Google-like search

The transaction list is the cornerstone of any online bank – a source for answering questions about your spending history. Meniga has taken the transaction list to the next level with accurate categorisation, merchant mapping, faceted filtering and powerful search capabilities

  • User-driven re-categorisation
  • Comment on transactions and #tag
  • Split transactions into categories
  • View merchant location on map

Request Demo Data Consolidation & Enrichment

Insights & Reports

Insights & Reports

Contextual expense reporting with extensive filtering capabilities

Providing information and education to people in context with their transactions is a powerful rewarding feeling and helps build a habit for finance management

  • Weekly and monthly reports rendered across channels, for example in activity feed and via email
  • Transaction detail reports including category and merchant reports
  • Predictions based on past spending
  • Net income trends
  • Detailed annual reports

Request Demo

Budget & Financial Planning

Budget & Financial Planning

Flexible functionality to automatically generate & manage financial budgets

Maintaining a detailed budget is recommended practice for people that are motivated to take control of their finances. Reality shows that roughly 25% of the population is willing to take on the challenge but this in turn is one of the most engaged digital banking user group

  • Automated budget based on spending history
  • Easy to update and re-calculate
  • Review past spending based on categories and time intervals
  • Spending goals for a period of time in a single or selection of categories
  • Set a global budget for total spending in all categories

Request Demo

Savings Goals

Savings Goals

Set and track savings goals connected to the balances of savings products

Setting goals and tracking progress is an effective way to get in shape - whether people are concerned about their health or their finances

  • Set savings goals through a virtual piggy bank or connect to savings account
  • Course to reach goals automatically mapped
  • Goal progress tracked using account balance
  • Add categories or photos for personalisation

Request Demo

Peer Comparison

Peer Comparison

Compare finances to peers with similar demographic and financial profiles

Curiosity is a strong motivator for many people. Comparing personal finances to "people like you" can deliver powerful, actionable insight

  • Peer to peer comparison of your expenses, income and savings
  • Filter by demographic information such as age, gender and location
  • Fun and visual way of understanding how much you earn, spend and save in comparison to people like you

Request Demo

Net Worth

Net Worth

Easily and intuitively understand your net worth based on current portfolio of assets

Thinking long term matters too, and tracking net worth over time is important to many people

  • Monitor long term net worth trend
  • Track balance history for all assets and liabilities
  • Manual tracking for assets and liabilities that are not bank products
  • Includes stocks, bonds, funds, real-estate, pension & other assets

Request Demo

Upcoming / Cash flow

Upcoming / Cash flow

Short term account balance projection & cash flow management

Understanding the in- and out-flow of money is important for personal finance management

  • Report on cash flow history based on balance and transaction data
  • Highlight upcoming bills, payments and transfers
  • Projected balance history for individual accounts
  • Detect patterns and suggest upcoming transactions to be included in cash flow projections

Request Demo

The Financial Activity Feed

The Financial Activity Feed

The heart of digital banking - where customers receive personalised user events such as insights, advice, offers and recommendations

Personal finances can me meaningful, fun and engaging at the same time. The financial activity feed facilitates a continuous dialog between the bank and its customers

  • The landing page for the new era of mobile banking: engaging, intuitive and interactive
  • Clearly categorised transactions and account information mixed with insights, advice, tailored offers and recommendations
  • Drill down into individual transactions
  • Personalised, informative and contextual information that tells the story of your financial life as it unfolds

Request Demo Dialog Engagement Platform

Notification & User Events

Notification & User Events

Highly customisable personal finance notification engine

People are impatient and demanding when it comes to interacting with their finances. They want insightful advice at the exact right time

  • Notifications of unusual spending & low-balance warnings
  • Personal finance insights
  • Weekly, monthly & annual income/expense reports
  • Playful spending pattern info nuggets
  • Personalised savings challenges
  • Targeted merchant funded offers based on actual spending behaviour
  • Custom user events

Request Demo

Request Demo

Business Finance Management

Empower your SME customers with a real-time view of their finances and help them improve their cash conversion cycle

Meniga’s Business Finance toolbox enables banks to help their corporate customers better understand and manage their finances – driving engagement and creating new revenue opportunities for banks. The solution is specifically designed to make the lives of small-to-medium sized businesses easier through innovative business logic and automated cash flow analysis.

The Dashboard

The Dashboard

Overview of current and projected operating position with customisable view of desired focus areas

It can be challenging for small companies to stay on top of day to day finances. A real-time dashboard of financial key performance indicators makes it easy

  • Cards and accounts balance
  • FinancialActivity feed
  • Cash flow
  • Expenses and income overview
  • Account payables and receivables

Request Demo

Accounts & Transactions

Accounts & Transactions

Consolidated view of all accounts and transactions with real time search and the ability to filter and view individual transaction details

A simple and intuitive window to account transactions can make life a lot easier for SMEs

  • Consolidated view of accounts and transactions
  • Transactions enriched with category and merchant
  • Ability to tag, comment, split and re-categorize
  • Search and filtering capabilities

Request Demo

Financial Planning

Financial Planning

Automatically generate and manage financial budgets tailored to SMEs

It can be hard for small companies to find time to make long-term financial plans. Getting a head-start with an automatically generated budget can make real difference

  • Create a budget plan
  • Category based budgets
  • Draft budget automatically generated based on historical spend

Request Demo

Cash Flow & Upcoming

Cash Flow & Upcoming

Predictive planning tool enabling SMEs to track expenses and visualise operating activities and how they influence liquidity

Being in control of cashflow can be the difference between smooth sailing and struggle for many small businesses. Banks are in a unique position to help SMEs improve their cash conversion cycle

  • Automatically calculated cash flow
  • Recurring payments suggested based on pattern matching
  • Addition of manual entry of ad-hoc Payments
  • Connection to accounting systems for AR/AP

Request Demo

Analysis

Analysis

Visual and interactive expense and income reports and the ability to drill down and analyse all aspects of inflows and outflows

Getting in control of your expenses is not as simple as it sounds for fast growing small businesses with big plans

  • Income or expenses trends over time
  • Expenses grouped by categories
  • Net surplus/deficit over time

Request Demo

Peer Comparison

Peer Comparison

A fun benchmarking tool allowing SME customers to perform a comparison of how they are performing against others with similar profiles

Comparing to the best helps small companies set the bar high

Meniga´s data warehouse enables rich and detailed peer comparison with comparable SMEs including:
  • Average days overdue for Accounts receivables and payables
  • Average monthly income grouped by categories
  • Average monthly expense grouped by categories

Request Demo

Request Demo

Dialog Engagement Platform

Meniga’s Engagement Platform is a data-driven platform that enables personalised engagement campaigns

Utilise all your customer data to personalize your customer experience, increase cross-selling opportunities, reduce operational & marketing cost and reach your customers with less time & effort. Use Meniga´s financial activity feed to combine the information into a meaningful daily dialog with your customers

The Dashboard

The Dashboard

Revamp your customer relationship through a personalised dialog of financial insights, advice and product recommendations

  • Advanced segmentation
  • Custom user events
  • Live engagement tracking
  • Trickle-feed campaigns
  • Custom product recommendations
  • Admin interface to monitor engagement statistics

Request Demo

Campaign Manager

Campaign Manager

Automatically engage your customers with a personalized dialog at the right time through their preferred channel

  • Personalise: Define dynamic segments based on rules, machine learning and data from CRM and core banking systems
  • Engage: Create automated triggers & targeted messages and engage your customers through trickle-feed campaigns
  • Benefit: Provide your customers with contextual financial insights & advice mixed with relevant productrecommendations
  • Analyse: Accurately measure the impact of engagement with your customers against comparison groups

Request Demo

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