The First AI for Senior Banking
Mosher
The First AI for Senior Banking
Mosher
AI Infrastructure for Safety, Relationships, and Inclusion
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We refuse to accept seniors' exclusion from AI "as normal".
We refuse to accept seniors' exclusion from AI "as normal".
55 and older
35 -54 year olds
18 -34 year olds
AI Usage by Age Group (%)
55 and older
35 -54 year olds
18 -34 year olds
AI Usage by Age Group (%)
55 and older
35 -54 year olds
18 -34 year olds
AI Training Participation Rate by Age Group (%)
AI Training Participation Rate by Age Group (%)
55 and older
35 -54 year olds
18 -34 year olds
Trust, attitudes and use of artificial intelligence: A global study 2025, KPMG and University of Melbourne, 2025
We refuse to stand by as older adults are repeatedly targeted by financial fraud.
We refuse to stand by as older adults are repeatedly targeted by financial fraud.
A Growing Crisis
: Seniors Reporting More Losses to Financial Fraud
A Growing Crisis : Seniors Reporting More Losses to Financial Fraud
2018
2019
2020
2021
2022
2023
2024
$5,000,000,000
$4,500,000,000
$4,000,000,000
$3,500,000,000
$3,000,000,000
$2,500,000,000
$2,000,000,000
$1,500,000,000
$1,000,000,000
$500,000,000
$0
Losses reported to the FBI by seniors over 60
2018
2019
2020
2021
2022
2023
2024
$5.0 B
$4.5 B
$4.0 B
$3.5 B
$3.0 B
$2.5 B
$2.0 B
$1.5 B
$1.0 B
$0.5 B
$0
Losses reported to the FBI by seniors over 60
FBI's Internet Crime Complaint Center, 2024
Conversational AI for senior banking,
where advanced AI meets human purpose.
From precision reasoning to regulatory alignment, Mosher’s architecture ensures every older adult can bank safely, confidently, and independently.
Conversational AI for senior banking,
From precision reasoning to regulatory alignment, Mosher’s architecture ensures every older adult can bank safely, confidently, and independently.
Conversational AI for senior banking,
From precision reasoning to regulatory alignment, Mosher’s architecture ensures every older adult can bank safely, confidently, and independently.
Conformal Confidence Control
Conformal Confidence Control
Regtrieval-Grounded Intelligence
Regtrieval-Grounded Intelligence
Regulator-Grade Audit Trail
Regulator-Grade Audit Trail
Human-in-the-Loop Assurance
Human-in-the-Loop Assurance
Relationship-Centric AI
Relationship-Centric AI
Deterministic Orchestration
Deterministic Orchestration
Conformal Confidence Control
Regtrieval-Grounded Intelligence
Regulator-Grade Audit Trail
Human-in-the-Loop Assurance
Relationship-Centric AI
Deterministic Orchestration
Conformal Confidence Control
Regtrieval-Grounded Intelligence
Regulator-Grade Audit Trail
Human-in-the-Loop Assurance
Relationship-Centric AI
Deterministic Orchestration
The Innovations Mosher Brings to the Senior Banking Experience
The Innovations Mosher Brings to the Senior Banking Experience
Mandatory AI Gate (MAG)
MAG is the Context-aware Authorization AI Technology to keep your money safe. (Patent Pending)
With the MAG, we aim to end financial fraud against seniors once and for all.
MAG is the Context-aware Authorization AI Technology to keep your money safe. (Patent Pending)
With the MAG, we aim to end financial fraud against seniors once and for all.
How MAG works
Mosher doesn’t detect and respond after a crime has occurred. We prevent it from happening in the first place.
For seniors, there’s no need to learn new tools or systems. Just speak to Mosher — the way you once spoke to your trusted human banker.
Mosher understands context from just a few words and takes the right action before your money is moved.
Mosher doesn’t detect and respond after a crime has occurred. We prevent it from happening in the first place.
For seniors, there’s no need to learn new tools or systems. Just speak to Mosher — the way you once spoke to your trusted human banker.
Mosher understands context from just a few words and takes the right action before your money is moved.
Problem
ID verification can be compromised.
Solution
Our context-aware AI protects even when ID verification is compromised.
Problem
ID verification can be compromised.
Solution
Our context-aware AI protects even when ID verification is compromised.
Problem
ID verification can be compromised.
Solution
Our context-aware AI protects even when ID verification is compromised.
Problem
ID verification can be compromised.
Solution
Our context-aware AI protects even when ID verification is compromised.
Did my electricity bill go through
this month? I’m not sure if it did,
and I’m a little worried.
Yes, it was paid on November 1st $82. Don't worry, your payment went through safely.
Mosher, how am I doing this
month compared to last month?
You've spent about 15% less overall this month, mainly because your dining expenses went down. Nice work staying on track!
Did my electricity bill go through
this month? I’m not sure if it did,
and I’m a little worried.
Yes, it was paid on November 1st $82. Don't worry, your payment went through safely.
Mosher, how am I doing this
month compared to last month?
You've spent about 15% less overall this month, mainly because your dining expenses went down. Nice work staying on track!
Mosher, how am I doing this
month compared to last month?
Did my electricity bill go through
this month? I’m not sure if it did,
and I’m a little worried.
Yes, it was paid on November 1st $82. Don't worry, your payment went through safely.
Mosher, how am I doing this
month compared to last month?
You've spent about 15% less overall this month, mainly because your dining expenses went down. Nice work staying on track!
Speak to Mosher
Relational Context Engine (RCE)
RCE brings the experience of “Mosher knows me.”
It recreates the feeling of being known and supported by a trusted human banker, through AI that doesn’t retain memory, but accesses it when needed.
What seniors want isn’t just new features in a banking app. They want to be called by name. The best way to build lasting relationships is by creating a positive Relationship Experience (RX) every time.
RCE brings the experience of “Mosher knows me.”
It recreates the feeling of being known and supported by a trusted human banker, through AI that doesn’t retain memory, but accesses it when needed.
What seniors want isn’t just new features in a banking app. They want to be called by name. The best way to build lasting relationships is by creating a positive Relationship Experience (RX) every time.
RCE Benefits Navigator
Once a relationship is built, there is more to do. We’ll identify what older adults truly need and provide real, practical support.
Older adults who qualify for food assistance programs and other public benefits leave $30 billion in such aid unclaimed each year due to lack of awareness and fear about complicated applications, according to the National Council on Aging.
Mosher helps seniors access these benefits with clarity and confidence — explaining eligibility in plain language and filling out the applications together. That’s what a financial companion is meant to do.
Once a relationship is built, there is more to do. We’ll identify what older adults truly need and provide real, practical support.
Older adults who qualify for food assistance programs and other public benefits leave $30 billion in such aid unclaimed each year due to lack of awareness and fear about complicated applications, according to the National Council on Aging.
Mosher helps seniors access these benefits with clarity and confidence explaining eligibility in plain language and filling out the applications together. That’s what a financial companion is meant to do.
Once a relationship is built, there is more to do. We’ll identify what older adults truly need and provide real, practical support.
Older adults who qualify for food assistance programs and other public benefits leave $30 billion in such aid unclaimed each year due to lack of awareness and fear about complicated applications, according to the National Council on Aging.
Mosher helps seniors access these benefits with clarity and confidence explaining eligibility in plain language and filling out the applications together. That’s what a financial companion is meant to do.
Once a relationship is built, there is more to do. We’ll identify what older adults truly need and provide real, practical support.
Older adults who qualify for food assistance programs and other public benefits leave $30 billion in such aid unclaimed each year due to lack of awareness and fear about complicated applications, according to the National Council on Aging.
Mosher helps seniors access these benefits with clarity and confidence explaining eligibility in plain language and filling out the applications together. That’s what a financial companion is meant to do.
That sounds interesting!
Yes, check my eligibility?
And for your information, there's a social benefit program called SNAP, Supplemental Nutrition Assistance Program. If you're eligible, it can help you save even more money on food. Would you like me to check your eligibility?
You've spent about 15% less overall this month, mainly because your dining expenses went down. Nice work staying on track!
Mosher, how am I doing this
month compared to last month?
That sounds interesting!
Yes, check my eligibility?
And for your information, there's a social benefit program called SNAP, Supplemental Nutrition Assistance Program. If you're eligible, it can help you save even more money on food. Would you like me to check your eligibility?
You've spent about 15% less overall this month, mainly because your dining expenses went down. Nice work staying on track!
Mosher, how am I doing this
month compared to last month?
That sounds interesting!
Yes, check my eligibility?
And for your information, there's a social benefit program called SNAP, Supplemental Nutrition Assistance Program. If you're eligible, it can help you save even more money on food. Would you like me to check your eligibility?
You've spent about 15% less overall this month, mainly because your dining expenses went down. Nice work staying on track!
Mosher, how am I doing this
month compared to last month?
That sounds interesting!
Yes, check my eligibility?
And for your information, there's a social benefit program called SNAP, Supplemental Nutrition Assistance Program. If you're eligible, it can help you save even more money on food. Would you like me to check your eligibility?
You've spent about 15% less overall this month, mainly because your dining expenses went down. Nice work staying on track!
Mosher, how am I doing this
month compared to last month?
Speak to Mosher
What makes Mosher different?
What makes Mosher different?
Mosher is built for relationships, not just efficiency.
With MAG we deliver the strongest safety, and with RCE we bring back the experience of human connection seniors once had.
Its name sounds like “mosyeo,” a Korean word meaning to care with respect and to be with someone.
Unlike traditional chatbots or AI systems that focus only on tasks, Mosher is an infrastructure aligned with regulators that helps banks deliver a senior-tailored experience at scale.
Mosher is built for relationships, not just efficiency.
With MAG we deliver the strongest safety, and with RCE we bring back the experience of human connection seniors once had.
Its name sounds like “mosyeo,” a Korean word meaning to care with respect and to be with someone.
Unlike traditional chatbots or AI systems that focus only on tasks, Mosher is an infrastructure aligned with regulators that helps banks deliver a senior-tailored experience at scale.
Mosher is built for relationships, not just efficiency.
With MAG we deliver the strongest safety, and with RCE we bring back the experience of human connection seniors once had.
Its name sounds like “mosyeo,” a Korean word meaning to care with respect and to be with someone.
Unlike traditional chatbots or AI systems that focus only on tasks, Mosher is an infrastructure aligned with regulators that helps banks deliver a senior-tailored experience at scale.
Mosher is built for relationships, not just efficiency.
With MAG we deliver the strongest safety, and with RCE we bring back the experience of human connection seniors once had.
Its name sounds like “mosyeo,” a Korean word meaning to care with respect and to be with someone.
Unlike traditional chatbots or AI systems that focus only on tasks, Mosher is an infrastructure aligned with regulators that helps banks deliver a senior-tailored experience at scale.
Trust-centered
financial companion
Trust-centered
financial companion
Trust-centered
financial companion
Trust-centered
financial companion
Expanding from efficiency to trust-
based relationships
Expanding from efficiency to trust-based relationships
Expanding from efficiency to trust-based relationships
Expanding from efficiency to trust-based relationships
AI designed to ensure Accuracy and earn trust
AI designed to ensure Accuracy and earn trust
Grounding every response in verified data and validated logic
Grounding every response in verified data and validated logic
Senior-banking-specialized Reasoning Model
Senior-banking-specialized Reasoning Model
Fine-tuned through supervised learning on evidence-grounded question-answer pairs
Fine-tuned through supervised learning on evidence-grounded question-answer pairs
Regulator-Compliant Memory Layer
Regulator-Compliant Memory Layer
Designed to build relationships and engage emotionally with users
Designed to build relationships and engage emotionally with users
Mosher is built to exceed all regulatory standards in delivering Relationship Experience (RX).
Mosher is built to exceed all regulatory standards in delivering Relationship Experience (RX).
Comparative Regulatory Framework: U.S. vs. EU Rules on AI Data “Memory” in Finance
Comparative Regulatory Framework: U.S. vs. EU Rules on AI Data “Memory” in Finance
Regulatory Goal
EU Frameworks
U.S. Frameworks
Vendor Accountability
Digital Operational Resilience Act (DORA)
OCC / Federal Reserve / FDIC Interagency Guidance on Third-Party Risk Management (2023)
Vendor Accountability
Digital Operational Resilience Act (DORA)
OCC / Federal Reserve / FDIC Interagency Guidance on Third-Party Risk Management (2023)
Vendor Accountability
Digital Operational Resilience Act (DORA)
OCC / Federal Reserve / FDIC Interagency Guidance on Third-Party Risk Management (2023)
Vendor Accountability
Digital Operational Resilience Act (DORA)
OCC / Federal Reserve / FDIC Interagency Guidance on Third-Party Risk Management (2023)
Data Minimization & Consent
General Data Protection Regulation (GDPR, Arts. 5–6)
CFPB Section 1033 (Dodd-Frank) and GLBA / FTC Safeguards Rule
Data Minimization & Consent
General Data Protection Regulation (GDPR, Arts. 5–6)
CFPB Section 1033 (Dodd-Frank) and GLBA / FTC Safeguards Rule
Data Minimization & Consent
General Data Protection Regulation (GDPR, Arts. 5–6)
CFPB Section 1033 (Dodd-Frank) and GLBA / FTC Safeguards Rule
Data Minimization & Consent
General Data Protection Regulation (GDPR, Arts. 5–6)
CFPB Section 1033 (Dodd-Frank) and GLBA / FTC Safeguards Rule
Secure Storage & Deletion
DORA (Arts. 9, 28–32)
GLBA / OCC Risk Management Guidelines
Secure Storage & Deletion
DORA (Arts. 9, 28–32)
GLBA / OCC Risk Management Guidelines
Secure Storage & Deletion
DORA (Arts. 9, 28–32)
GLBA / OCC Risk Management Guidelines
Secure Storage & Deletion
DORA (Arts. 9, 28–32)
GLBA / OCC Risk Management Guidelines
Recordkeeping & Supervisory Access
MiFID II / DORA
SEC Rule 17a-4 / FINRA 3110
Recordkeeping & Supervisory Access
MiFID II / DORA
SEC Rule 17a-4 / FINRA 3110
Recordkeeping & Supervisory Access
MiFID II / DORA
SEC Rule 17a-4 / FINRA 3110
Recordkeeping & Supervisory Access
MiFID II / DORA
SEC Rule 17a-4 / FINRA 3110
Explainability & Auditability
EU AI Act (Arts. 13–15)
FTC AI Guidance (2023) and Interagency TPRM Rules
Explainability & Auditability
EU AI Act (Arts. 13–15)
FTC AI Guidance (2023) and Interagency TPRM Rules
Explainability & Auditability
EU AI Act (Arts. 13–15)
FTC AI Guidance (2023) and Interagency TPRM Rules
Explainability & Auditability
EU AI Act (Arts. 13–15)
FTC AI Guidance (2023) and Interagency TPRM Rules
Your Questions Answered Here
Don't let unanswered questions hold you back. Let's extinguish those burning questions!
Your Questions Answered Here
Don't let unanswered questions hold you back. Let's extinguish those burning questions!
Your Questions Answered Here
Don't let unanswered questions hold you back. Let's extinguish those burning questions!
Your Questions Answered Here
Don't let unanswered questions hold you back. Let's extinguish those burning questions!
What makes Mosher defensible in an AI-saturated market?
How does Mosher create values while advancing senior financial inclusion?
What is Mosher’s long-term vision?
How can financial institutions use Mosher today? (PoC-ready use cases)
What makes Mosher defensible in an AI-saturated market?
How does Mosher create values while advancing senior financial inclusion?
What is Mosher’s long-term vision?
How can financial institutions use Mosher today? (PoC-ready use cases)
What makes Mosher defensible in an AI-saturated market?
How does Mosher create values while advancing senior financial inclusion?
What is Mosher’s long-term vision?
How can financial institutions use Mosher today? (PoC-ready use cases)
What makes Mosher defensible in an AI-saturated market?
How does Mosher create values while advancing senior financial inclusion?
What is Mosher’s long-term vision?
How can financial institutions use Mosher today? (PoC-ready use cases)
Partner with Us on a Proof of Concept (PoC)
Take the next step - collaborate with us to bring Mosher into your environment. We work with forward-thinking financial institutions to design tailored PoCs that demonstrate measurable impact on accessibility, safety, and customer trust through Companion AI for seniors.
Partner with Us on a Proof of Concept (PoC)
Take the next step - collaborate with us to bring Mosher into your environment. We work with forward-thinking financial institutions to design tailored PoCs that demonstrate measurable impact on accessibility, safety, and customer trust through Companion AI for seniors.
Partner with Us on a Proof of Concept (PoC)
Take the next step - collaborate with us to bring Mosher into your environment. We work with forward-thinking financial institutions to design tailored PoCs that demonstrate measurable impact on accessibility, safety, and customer trust through Companion AI for seniors.
Partner with Us on a Proof of Concept (PoC)
Take the next step - collaborate with us to bring Mosher into your environment. We work with forward-thinking financial institutions to design tailored PoCs that demonstrate measurable impact on accessibility, safety, and customer trust through Companion AI for seniors.