Meniga

Meniga supplies banks and other financial institutions with a platform that consolidates and enriches transactional data and uses it to deliver personalised digital banking experiences. Its platform is organised into modules covering data enrichment, insights, financial engagement, smart savings, cashflow forecasting, open banking and sustainability (including a Carbon Insight solution), with packaged solutions positioned around agentic banking, hyper-personalisation, neobank-grade experiences and digital bank modernisation. Historically the product portfolio has included personal finance management, carbon insight services, automated real-time notifications, predictive analytics and personalised engagement technologies, targeted rewards and consumer data analytics.

The company markets itself as an orchestration layer for AI-driven personalisation inside a bank's digital channels, generating contextual notifications and recommendations such as surplus-to-savings prompts, product eligibility messages and missed-payment alerts. Meniga states that its technology processes over 200 million transactions in real time each day and is deployed at more than 30 banks worldwide, with published case studies covering UniCredit, the digital bank moey! and UOB's gamified ASEAN digital bank. In late 2025 or 2026 it added Fini, a financial intelligence layer intended to let a bank's AI assistant ground its answers, actions and insights in a customer's real-time financial position.

Meniga was founded in Reykjavik, Iceland in 2009 by Georg Ludviksson together with brothers Asgeir Asgeirsson and Viggo Asgeirsson, and was among the first companies to bring personal finance management software to European banks.