Moneta Money Bank: Faster marketing campaigns, smarter decisions

Moneta Money Bank, one of the leading retail banks in the Czech Republic, has dramatically shortened go-live times for real-time marketing campaigns through its marketing modernization journey. Working with Trask, a global technology and consulting company, Moneta Money Bank is modernizing its marketing ecosystem with SAS Customer Intelligence 360 and SAS Intelligent Decisioning, powered by Amazon Web Services, to transform how it connects with its 1.6 million customers.

Why it matters
In the highly competitive Czech banking market, where 20 retail banks serve a population of 10 million, Moneta Money Bank is redefining customer engagement. Using SAS Customer Intelligence 360 the bank is delivering personalization at scale, increasing its competitive advantage.

Key outcomes with new technical setup including SAS Customer Intelligence 360
Up to 4x faster campaign deployment - Manual processes replaced with automated (less IT dependent), real-time decisioning campaigns that once took weeks and now take hours

Higher digital conversion - Real-time personalization drives a measurable boost in digital sales and conversion rates.

Operational efficiency - Able to easily measure and decommission underperforming campaigns and free up times and resources to focus on experimentation.

From weeks to hours: Real-time personalization in action
Moneta Money Bank is adding new capabilities such as processing millions of transactions daily, using decision rules created in SAS Intelligent Decisioning to deliver the right message at the right moment. For example, when a customer purchases an airline ticket, the bank can deliver a tailored travel insurance offer within 30 seconds via a push notification or in-app banner.

"Campaigns that once took weeks now launch in just hours with the help of SAS Customer Intelligence 360," said Jan Zdobinský, Senior Manager of Retail Development & CRM at Moneta Money Bank. "This shift has delivered way faster go-live times for real-time marketing campaigns, driving higher conversion rates across digital channels. We can now create contextual, real-time financial experiences to help us innovate faster and improve customer experience."

"Automated decisioning to fuel emerging channel personalization is certainly the future of customer engagement - and Moneta is leading the way," said Jonathan Moran, Head of MarTech Solutions Marketing at SAS. "It's great to see the strong collaboration between all parties to deliver such exceptional results relating to both customer experience improvement and marketing process automation,"

Omnichannel strategy and ROI
Moneta already integrated SAS SDK directly into its mobile banking app - where ROI potential is highest - and plans to extend the capabilities to its call center and 100+ physical branches for a seamless omnichannel experience.

Agility through experimentation
With SAS Customer Intelligence 360, Moneta´s aim is to run frequent A/B tests and hypothesis-driven experiments, enabling rapid optimization and innovation. This agility supports Moneta's strategy and commitment to smarter, faster customer experiences.