Goal-based consumer finance platform

People at rest.

Money at work.

Otomo enables your platform to adapt to each person’s wants and needs. It helps people shop and spend smarter with curated offers. And effortlessly builds savings and wealth.

Whoa.

Embed a beautiful, Pinterest-like experience that inspires consumers and enables them to plan life in a novel, fun way. Provide them with a new generation of flexible tools to save and grow wealth effortlessly. And bring them curated discounts that match their needs and interests.

Adaptive customer journeys

Personalized to each user's north star.

Unlock rich data to create an accurate portrait of each person's needs and wants.

Our AI curates each feed with tiles representing intentions it anticipates users will resonate with based on their activity. These intentions become the central axis for us to deliver financial and consumer products, services, and resources.

Financial institutions that implemented the next best action model through personalized experiences saw a 30 to 40 percent increase in sales.

Unlock enriched data to create an accurate portrait of each person's needs and wants.

Financial institutions that implemented the next best action model through personalized experiences saw a 30 to 40 percent increase in sales. - Everfi

Up to 40%

Increase sales

With Otomo you can provide a data-driven feed to personalize each user's experience. Their interests and activities become the central axis for the products, services, and resources they encounter.

Personalized shopper module

Informed spending made simple.

Embed personally curated offers with an "okay to spend" balance.

Welcome to conscious and guilt-free spending with a continuously updated “Okay to spend” balance paired with curated offers. Otomo™ displays discounts and offers on products and services that help users spend smarter, while hitting their goals faster and at better prices.

Generate non-interest income your institution through referrals on offers while creating spending intelligence for your customers.

Enable users to reach goals affordably with curated deals and discounts.

Generate revenue for your institution through referrals on offers while creating spending intelligence for your customers.

10%

Increase revenue

Help anyone's money go further with a hundred dollars off here, and 20% off there. Enable conscious spending with a continuously updated “Okay to spend” balance paired with curated offers that help customers achieve their goals within their means and more affordably. Otomo™ Intelligent Shop & Spend integrates in 1-2 weeks.

Intelligent Allocation

Effortless savings & wealth generation.

Serve 100% of end users with two forms of autonomous finance.

Otomo enables customers to manage their money on smart auto-pilot, or according to their own rules. From rainy day funds, to saving for a first home, full automation means customers make progress while they sleep.

Serve 100% of end users with two powerful forms of autonomous finance.

Enable customers to manage their money on smart auto-pilot, or according to their own rules. From rainy day funds, to saving for a first home, full automation means customers make progress while they sleep. Otomo™ Intelligent Allocation integrates in 4-6 weeks.

Smart auto-pilot: automate money without thinking

Otomo uses machine learning and financial best practices to calculate smart amounts to save and invest on a customer's behalf.

My way: automate money with user-defined rules

Through a conversational UI, customers can direct which income goes where, set minimum balances, choose percentages, and more. Enable 80 million gig and freelance economy workers to access automation with our patented, precise allocation system.

Give every user financial empowerment, peace of mind, and something to write home about.

Integration

Instant setup.

Magical results.

Deploy a revolutionary experience that generates revenue and buzz.

Building individualized banking experiences at scale is complex and costly. We make it affordable and codeless. It’s easy to integrate with a best-in-class SDK, secure API, and modules compatible with iOS, Android, and web products.

Deploy a revolutionary experience that generates revenue and buzz.

Building individualized banking experiences at scale is complex and costly. We make it affordable and codeless. It’s easy to integrate with a best-in-class SDK, secure API, and modules compatible with iOS, Android, and web products.

Learn more about tech specs

Patents

Otomo technologies are protected by United States patents granted and pending. Otomo's IP suite includes cash management applications for saving, investing, charitable giving, layaway retail, income taxes, conditional subscriptions, bill pay, and more.

Dynamic financial management system, method and device
US Patent Number 10,074,091 issued Sep 11, 2018 and US Patent Number 10,346,847 issued Jul 9, 2019
A dynamic personalizable automated finance management system that provides a financial management platform that enables users to easily generate a plurality of customized rules or conditions associated with one or more accounts thereby creating account plans that intelligently and passively execute the transfer of funds among accounts. The rules with a plan are able to define if, how much, when and where to transfer money to and from the accounts based on user entered criteria or triggers upon which the rules/conditions are based.