Case Study
Monay
Turkey's First AI-Native Fintech Platform
AI-powered personal finance management with voice assistant, intelligent savings recommendations, and financial coaching -- transforming how people manage their money.
The Challenge
Turkey faces a significant financial literacy gap, and traditional fintech applications remain fundamentally passive -- unable to guide users toward better financial outcomes.
Financial Literacy Gap
Many users in Turkey lack access to quality financial education and personalised guidance, making it difficult to build healthy financial habits and achieve savings goals.
Passive Fintech Apps
Traditional fintech applications display transaction data but offer no proactive financial guidance, leaving users without actionable insights to improve their financial health.
Need for Proactive Guidance
Users need a financial companion that understands their behaviour, anticipates their needs, and delivers timely guidance -- not just another dashboard.
The Solution
An AI-native financial platform that combines voice AI, GPT-4 powered coaching, behavioural science, and real-time transaction analysis to proactively guide users toward better financial outcomes.
Voice Chat
Advanced Turkish NLP-powered voice assistant enabling users to manage their finances through natural conversation, making financial tools accessible to everyone.
MonayGPT Financial Coach
GPT-4 powered financial advisor that provides personalised recommendations, answers complex financial questions, and helps users understand their spending patterns.
Smart Spending Analysis
Real-time transaction analysis with predictive alerts that warn users before they exceed budgets, identifying spending patterns and suggesting optimisations.
Personalised Goals
Goal-setting system powered by the Tiny Habits methodology from behavioural science, breaking down financial targets into achievable micro-steps.
Real-Time Suggestions
Instant, contextual transaction suggestions delivered at the moment of purchase, helping users make smarter financial decisions in real time.
Key Results
These are Monay’s platform figures, for the product our AI features ship inside. GIS Analytics built the voice assistant and the statement analyser, not the platform itself.
Active Users
Over 150,000 active users trusting Monay with their personal finance management across Turkey.
Total Savings
More than 25 million Turkish lira in total savings facilitated through intelligent recommendations and goal tracking.
Accuracy Rate
97% accuracy rate across transaction categorisation, spending predictions, and financial recommendation systems.
AI Service
Continuous 24/7 AI-powered financial guidance and voice assistant availability for all users.
Product Roadmap
Upcoming capabilities that will further enhance the Monay platform.
Voice Onboarding
Complete account setup and financial profile creation through voice interaction alone, reducing onboarding friction and improving accessibility for all user segments.
Active Coach Model
Proactive financial coaching that reaches out to users with timely advice based on spending patterns, upcoming bills, and savings opportunities -- before users even ask.
Intelligencia
Automated notification system that delivers personalised, context-aware financial alerts and insights, powered by behavioural AI that learns each user's preferences.
Continuously Evolving
Monay is designed as a living platform that continuously learns from user behaviour and financial trends to deliver increasingly personalised and accurate financial guidance.
Technologies Used
Monay supported my determination toward my goals and enabled me to be someone who controls their money throughout my life.
Aziz Yilmazer
Train Operator
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