Unlike modern money apps, a vast majority of banks struggle to engage and monetize retail customers online. 60% of retail accounts are unprofitable or dormant. Inactive customers cost banks $250 to $400 per year according to the American Banker's Association. At Otomo we have developed a new universal basic for banking. We’ve reframed banking around each customer’s life, wants, and needs. With patented technology from Otomo™, partners can empower their customers to easily organize money in relation to their goals, preferences, comfort levels, and earning styles.