The best financial insight reaches you before the decision.
MBA from NYU and BSc in Business Management from the University of Cardiff. Andy brings finance, product thinking, and practical financial systems experience to Monaith. His work focuses on building a money intelligence platform that turns raw financial data into clearer, more useful decision support.
MBA from Liverpool Business School. Sarthak brings 14 years of experience in sales leadership, business growth, financial services, real estate, and go-to-market strategy. His focus is on positioning Monaith as a trusted, human, and scalable financial intelligence brand.
Why we made this
Personal finance is moving into an AI era, but most products are still built around the wrong loop.
They categorize the past. They generate generic advice. They tell users to spend less. They rarely understand what is intentional, what is drifting, what is worth protecting, or what alternative would actually fit the user's life.
Monaith is building the financial alignment layer for that gap.
Monaith turns transaction behavior into evidence-bound financial intelligence: likely timing, tradeoffs, goal risk, quiet drains, spending rhythm, protected habits, and review moments. AI is used to explain and converse, not to invent the prediction.
That distinction matters. Trust in money cannot be built on vague answers.
We believe the next great consumer finance product will be a prediction system. It will help people see the next choice more clearly, compare alternatives, protect what matters, and improve over time as it learns what the user values.
Monaith is our answer to that future.