NAMU delivers a new standard in mobile banking by implementing new and intelligent behavior modeling, which focuses on customer behavior and digital experiences. All of this is based on a patent-pending ‘Social spending behavior algorithm.’ The product highlights include: highly visual user experience, Google-like search through the customer’s entire transaction history and across all banking products, new data organization, contextual, personal and relevant permission-based advertising of targeted offers, promotions, and loyalty services to consumers as well as a virtual personal branch.