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Turn Open Banking into an opportunity and utilise banking data to create delightful customer experiences & new revenue streams


Meniga is a global leader in white-label digital banking solutions. We help banks use consolidate, enrich and categorise their data to drastically improve customer engagement and develop new business models.


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About Meniga

Meniga is a global leader in white-label digital banking solutions specialised in PSD2 & Open Banking. Our award-winning products enable the world's largest financial institutions, such as Unicredit, Santander, BPCE, Intesa, UOB and Commerzbank to drastically improve their online and mobile digital environment, enriching the user experience of over 65 million digital banking users across 30 countries. Meniga has developed a framework for next-generation digital banking around advanced data consolidation and enrichment, meaningful customer engagement and new revenue opportunities. Meniga’s portfolio of products includes personal finance management, automated real-time notifications, predictive analytics & personalised engagement technologies, cashback rewards and consumer data analytics.


Meniga was awarded “Best of Show” at Finovate Fall in 2018, Finovate Europe in 2011, 2013, 2015 and 2018, “Best Company” at European FinTech Awards 2017 and was featured on FinTech50 in 2014, 2016 and 2017. Meniga’s offices are in London, Reykjavik, Stockholm, Barcelona, Warsaw and Singapore.


1) Data Consolidation - Build the foundation of digital banking


Build the foundation of your digital banking apps with data consolidation. Comply with PSD2 and embrace the open banking opportunity with Meniga’s aggregation hub. Enable users to interact with data from other banks and see account balances, transactions or initiate payments. Featuring a unified API, the hub enables compliance with PSD2 & Open Banking. It includes consent & SCA


2) Intelligence - Discover value from data


Transactions are to banks what songs are for Spotify and shows are for Netflix. Make every transaction shine with Meniga’s transaction enrichment services and merchant mapping. Find new customer segments, hidden opportunities in transaction data and engage with banking customers at the right time.

  • Merchant Mapping: Show banking app users detailed and engaging transaction information
  • Transaction Categorization Automatic categorization of transactions into expense, income, or savings categories


3) Digital Banking - Drive meaningful customer engagement


  • Basic PFM - Enrich your banking app with our tried and tested suite of PFM APIs. Show your users a holistic view of their finances.
    1. User Profiles - Highlight the most interesting information available to the user
    2. Cards and accounts - Highly motivated power users can plan and monitor finances
    3. Budget - Flexible expense reporting with extensive filtering capabilities
    4. Enriched transactions - Robust merchant mapping and granular transaction categorization
    5. Search and filter-  A faceted ‘Google-like’ search across all cards and accounts
  • Advanced PFM - Encourage financial fitness for your banking customers with Meniga’s cutting edge PFM tools.
    1. Challenges - Motivate customers to reach savings goals with Challenges
    2. Upcoming - Give users better control over their financial future with an overview of expected income and expenses
    3. Net worth - A long-term overview of how assets and liabilities develop over time
    4. Community - Enable users to see how they compare with peers
    5. Savings goals - Motivate users by enabling them to set saving goal
    • Insights & engagement - rival the engagement of social media apps
      1. Activity feed - Communicaton channel which contains personalized user events such as insights, advice, offers and recommendations
      2. Reactive insights - Financial insights based on user context while interacting with your app. Transaction details and regular reports.
      3. Reports - Flexible expense reporting functionality with extensive filtering capabilities
      4. Built-in user events - Weekly and monthly reports. Also enable users be notified about deposits, unusual transactions amount, budget and funds available. Notifictions for merchant & transaction are also available
      5. Carbon insights - Engage users with information about their carbon footprint and enable them to take action


4) Cashback Rewards Platform - Create new business models with transaction data

Transaction data tell the real story of people’s preferences. Enable your business customers to take their marketing and customer analytics to the next level. Generate new revenue streams while retailers get efficient marketing tools and customers reap rewards. With our platform we enable banks to create a mutually beneficial ecosystem with retailers and consumers through personalised rewards & market analytics within the digital banking environment.

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