Meniga is a hyper-personalised banking platform that helps financial institutions turn raw transaction data into actionable customer insights and engagement opportunities. The platform processes over 200 million transactions in real time daily, using AI-driven analytics and enrichment to deliver personalised offers, savings suggestions, and predictive financial guidance across digital banking channels.
Funding
Funding not disclosed
Founders
Product
Problem
Banks hold vast amounts of transactional data but struggle to extract meaningful insights from it, leaving customer interactions generic and impersonal. Fragmented, poorly categorised data from multiple sources limits real-time analytics, reduces engagement, and prevents banks from delivering timely, relevant financial guidance or product offers.
Solution
Meniga provides an AI-driven banking platform that aggregates, enriches, and analyses transaction data to create hyper-personalised digital banking experiences. The platform transforms cryptic transaction strings into clear, categorised, merchant-branded information, then applies machine-learning models to generate tailored insights, savings recommendations, and product offers in real time. Banks can deploy Meniga's modular solutions to improve customer engagement, increase digital sales, and modernise their digital banking infrastructure with low integration effort. The platform's event-driven architecture enables rapid feature deployment, empowering banks to act as trusted financial advisors rather than simple transaction processors.
Target Audience
Primary customers are retail banks, neobanks, and financial institutions seeking to enhance digital engagement, increase product sales, and differentiate through data-driven personalisation.
Features
- Transaction enrichment engine with over 95% categorisation accuracy, including merchant names, logos, categories, and tags
- AI-powered personalisation engine that delivers context-aware notifications, spending insights, and targeted product recommendations
- Smart savings module that automates surplus transfer suggestions and interest-earning opportunities based on customer cashflow
- Cashflow forecasting tools that predict future balances and flag upcoming expenses or potential overdrafts
- Open banking integration layer that consolidates internal and external data sources for a 360-degree customer view
- Sustainability module that tracks and reports carbon footprint based on spending categories
- Modular architecture supporting flexible deployment with pre-built integrations across 20+ countries with localised category trees