3x Conversion Boost: How Moneta Bank Achieved Real-Time Customer Engagement
Moneta Money Bank transformed its marketing approach by replacing delayed, IT-dependent campaign execution with real-time customer engagement. Leveraging AWS Managed Kafka and Flink, the bank now delivers personalized offers instantly, improving responsiveness and enhancing customer interactions.
Business Impact in Numbers
- 7 seconds – From transaction to customer notification
- 3x – Increase in marketing conversion rates
- 220 MDs/year – On average, saved on campaign development costs
- 10,000s of transactions per second – Real-time data processing
- Zero IT dependency – CRM teams manage campaigns independently
About Moneta Money Bank
MONETA Money Bank, a.s. is a leading bank in the Czech market, offering wide range of competitive products from deposits to investments and insurance while specializing in credit products for Czech households and loans for entrepreneurs and small and medium-sized enterprises. Formerly known as GE Money Bank, it offers services such as mortgage refinancing, loan consolidation, and online banking.
The Challenge: Slow Responses, Lost Opportunities
Moneta Money Bank’s marketing operations were limited by the inability to respond quickly enough to customer actions. Without real-time event streaming, the bank faced challenges in maintaining a timely and efficient response to customer interactions. To address this, the key was getting data into the system quickly, filtered, and categorized – ensuring real-time processing, while also reducing campaign development costs.
- Delayed customer engagement – Marketing offers arrived too late, reducing relevance and conversion rates.
- Limited scalability, functionality, and performance – Processing large transaction volumes in real-time was impossible, restricting growth and agility.
- Lack of control over marketing triggers – CRM teams couldn’t effectively dynamically filter, categorize, or time campaigns, forcing reliance on IT for even minor adjustments.
These inefficiencies led to missed revenue opportunities, stagnant campaign performance, and growing competitive pressure. Moneta needed a radical shift to stay ahead.
How to Win with Real-Time Data: 5 Key Lessons
- Real-time data means real-time revenue. Faster responses drive higher conversions, customer retention, and cross-sell opportunities.
- Automation reduces costs and accelerates execution. Eliminating IT bottlenecks makes marketing faster, more agile, and cost-effective.
- Scalability unlocks long-term growth. A single use case can evolve into a bank-wide competitive advantage.
- Customer expectations have changed. Instant, hyper-personalized engagement is no longer optional, it’s a differentiator.
- Data-driven banks outperform the competition. Leaders who invest in event streaming gain speed, agility, and market leadership in an era where every second counts.
The Solution: Real-Time Data Streaming for Business Growth
To drive faster customer engagement and higher conversion rates, Moneta partnered with Trask to implement a real-time event streaming platform that transforms how marketing campaigns are executed. This solution enables instant decision-making, automated outreach, and scalable performance through:
- AWS Managed Kafka & Flink – Real-time transaction processing with Kafka and filtering using Flink for precise targeting.
- AWS MSK & AWS EKS – Cloud-native architecture built with AWS services to ensure scalability, stability, and seamless integration.
- SAS RTDM (Real-Time Decision Manager) – Automating hyper-personalized marketing actions without IT dependency, used for campaign execution and real-time decision-making during campaign management.
- Databricks – Advanced data classification and analytics for categorization and classification using machine learning models, which we used for smarter business insights.
7-Second Advantage: Instant Travel Insurance Offers
With real-time transaction monitoring, Moneta now detects customer purchases in seconds, instantly identifying relevant opportunities. When a customer books a trip, the system:
- Filters and categorizes the transaction based on merchant type and purchase amount.
- Delivers a personalized insurance offer within 7 seconds, maximizing conversion potential.
- Optimizes message timing, allowing for scheduled delivery while preventing late-night or irrelevant notifications.
This automated, data-driven approach significantly improves customer engagement, marketing efficiency, and revenue growth, positioning Moneta at the forefront of real-time, event-driven banking.
From Slow Response to Super-Fast: How Trask Optimized Real-Time Processing
Before event streaming, Moneta’s CRM systems experienced delays in transaction processing, which have since been significantly improved. Trask’s solution reduced delivery time from hours or even days to milliseconds, ensuring instant customer engagement. Kafka and AWS Flink now process transactions in 18 ms, even under heavy load. SAS RTDM triggers outreach in real time, eliminating IT bottlenecks and enabling scalable real-time marketing.
Despite initial concerns that the Flink low-code platform might be slow, we were pleasantly surprised by its speed—Flink enables rapid processing with excellent latency, even underload. This solution is future-proof, ready to scale as the bank’s client base and transaction volume continues to grow.
We are highly satisfied with our collaboration with Trask, and Mr. Rosa in particular, as they demonstrated exceptional expertise in Kafka streaming technology. Even more importantly, we were positively impressed by the success of the campaign and the ease with which additional enhancements—such as Flink filtering—could be implemented without the need for IT support.
Jan Zdobinsky, Senior Campaign Manager (CRM & Retail Development, Retail Banking)
Want to explore how real-time streaming can transform your business? Contact us here.
