MonetWork Coaching Intelligence
Know every adviser.Coach each one differently.
Every adviser gets a living capability profile — twenty attributes across will, habits, skill, knowledge and character. MonetWork measures it, diagnoses what's really holding each person back, and coaches them on WhatsApp every week. Leaders finally see their sales force the way a great coach does.
Minh's profile: three months ago (dashed) and today
- 20
- attributes in five dimensions
- 60
- real-world scenarios in the skills check, in three rotating versions
- 1,000+
- lessons mapped to the attributes
- 4
- sources of evidence behind every score
- 90
- days between re-checks — growth you can see
The problem
One curriculum.A thousand different advisers.
Training treats everyone the same
The same course for the star and the strugglers. The strong get bored, the stuck stay stuck — and nobody can say who needs what.
The real reasons are invisible
Most advisers who fail don't lack product knowledge. They stop making contact, take rejection personally, or never build a weekly rhythm. No test measures that.
Leaders coach by instinct
A leader with forty advisers can't diagnose each one. Without a shared picture, coaching becomes pep talks and pressure on the monthly number.
Train · Coach · Push
Three engines,working on every adviser, every week.
Train
Knowledge that sticks
A six-phase, 26-week curriculum and 1,000+ three-minute lessons, role-plays and case studies — one a week, in the adviser's language.
- 26-week curriculum
- 1,000+ micro-lessons
- Role-plays & case studies
Coach
Help that fits the person
A capability profile for every adviser, personalised lessons for their biggest gap, an AI coach on WhatsApp day and night, and a 1:1 guide for their leader.
- 20-attribute profile
- 1 lesson in 3 personalised
- 24/7 AI coach
Push
Momentum that doesn't fade
Recognition the morning after every case, gap-to-goal plans when the month slips, a restart plan when someone goes quiet — automatically.
- Certificate the next morning
- Mid- & late-month nudges
- Restart after 30 quiet days
The weekly rhythm
Every working day,something worth opening.
A short, purposeful message each weekday — so habits form, skills stay fresh and every adviser feels seen. On top of it, coaching runs on its own cadence.
Monday
A morning thought
A reflection and one question to start the week.
Tuesday
Tip of the day
One practical thing to try in today's meetings.
Wednesday
Daily challenge
A measurable goal for the day — calls, bookings, asks.
Thursday
Tip of the day
A second skill for the week, from a different area.
Friday
The week's win
Advisers share their win — and the coach celebrates it.
- Every weekA 3-minute lesson + practice
- Every caseA certificate the next morning
- Every fortnightGap-to-goal check-in + funnel
- Every monthA leader's message + recognition
- Any timeThe AI coach answers in seconds
CelebrateMotivateCoachActivate
The six-month journey
From first dayto a career they own.
Every new adviser follows a structured, six-phase journey — 58 touchpoints over 26 weeks — from a full diary to a growing client book.
Foundations
a daily rhythm of conversations and a full diary
Discovery
understanding what a client truly needs before advising
Recommendation
clear, fair recommendations and calm answers to objections
Commitment
asking for the decision with confidence — and keeping it
Momentum
a pipeline fed by referrals and steady follow-up
Mastery
a growing client book you serve and grow every year
Weekly lessons
Check-ins
Leader messages
Recognition
Skills checks
The capability model
Twenty attributes.Five questions a great coach asks.
Built from how top sales coaches actually diagnose advisers — not from the course catalogue. Each attribute has a 1–5 scale with clear descriptions of what each level looks like, in English and Vietnamese.
Will
Does the agent keep going?
1.Purpose & goals
A personal reason to do this work, and a concrete income goal.
2.Courage to make contact
Willingly starts conversations with people they know — and people they don't.
3.Resilience
Bounces back after a 'no', a lost case or a bad month.
4.Coachability
Acts on feedback and actually practises.
Habits
Does the agent do the work every week?
5.Activity consistency
Steady activity every week — not bursts at month end.
6.Planning & pipeline
Works back from the goal to weekly activity, and plans every week.
7.Follow-up & reliability
Does what they promised, when they promised.
Skill
Can the agent run a great sales conversation?
8.Prospecting methods
Finds people to talk to: warm market, introducers, Zalo, Facebook, WhatsApp.
9.Rapport & trust
Earns the right to ask personal questions.
10.Questioning & listening
Uncovers the facts and the feelings behind a need.
11.Needs analysis & solution design
Turns needs into the right cover and the right amount.
12.Explaining & storytelling
Makes it simple, vivid and fair.
13.Objection handling
Explores the concern before answering it.
14.Closing & commitment
Asks for the decision and secures the next step.
15.Referral generation
Asks every happy client, every time.
Knowledge
Does the agent know it cold?
16.Product knowledge
Protection, savings, health and investment-linked — inside out.
17.Financial planning basics
Budgets, inflation, needs calculations and affordability.
18.Compliance & suitability
Disclosure, suitability, the cooling-off period, recording advice.
Character
How does the agent do business?
19.Putting the client first
Recommends what suits the client — never what pays the agent most.
20.Service & retention
Reviews, claims support and staying in touch for life.
Measure
Evidence, not guesswork.
Every score blends several kinds of evidence and carries a confidence level — so leaders see what's known, and what's still a hunch.
- The skills checkDay oneThree short parts on the adviser's phone, sent as a WhatsApp link. Realistic scenarios score judgement, not memory; quick checks cover products, planning and the rules.
- The leader's ratingAny timeA leader rates what they've observed, with clear descriptions of what level 1, 3 and 5 look like. It carries the most weight of any single source.
- The weekly funnelEvery weekAdvisers text four numbers — contacts, appointments, fact-finds, sales. Where the funnel leaks reveals what no test can.
- Real resultsEvery dayCases, case size and engagement with coaching flow in from the daily data feed and the platform itself.
Diagnose
Will or skill?It changes everything.
The same weak month can mean very different things. MonetWork separates will and habits from skill and knowledge, and reads the adviser's funnel — so the coaching fits the cause.
Four coaching styles
Teach
High will · building skill
More lessons, role-plays and scripts — the energy is there; give it craft.
Stretch
High will · high skill
Advanced lessons, referral and MDRT goals, a path to leadership.
Direct
Low will · building skill
Daily structure, tiny wins celebrated, close contact from the leader.
Re-ignite
Low will · high skill
Purpose, recognition and the leader's voice — the craft is there; rekindle the fire.
Where the funnel leaks
- ActivityToo few conversations to feed the funnel — usually will, not skill.Courage to make contactActivity consistencyPurpose & goals
- ApproachConversations rarely turn into appointments — the approach needs work.Prospecting methodsRapport & trust
- TrustAppointments don't reach a full fact-find — trust isn't earned yet.Rapport & trustQuestioning & listening
- AdviceFact-finds don't become sales — the advice conversation is where it's lost.Needs analysis & solution designExplaining & storytellingObjection handlingClosing & commitment
Coach
The right lesson,at the right level, every week.
- Personalised lessonsOne journey lesson in three is chosen for the adviser's biggest gap — at their level, never one they've had before — from a library of 1,000+.
- Coaching on WhatsAppAdvisers ask “my skills” any time to see their profile, and text their funnel to hear where it leaks and what to try this week.
- A 1:1 guide for leadersA GROW conversation for each adviser's focus area: the questions to ask, in the order a great coach would ask them.
My skills
20 6 3 1
How we push
Nobody is leftto drift.
MonetWork reads every adviser's results each morning and acts on what it sees — the moment it matters, not at the next monthly review.
- An adviser writes a caseA collectible certificate, with their leader's signatureThe next morning, 8am
- The month slips behind paceA gap-to-goal plan: cases, meetings and this week's movesOn the 15th and 25th
- 30 days without a caseA warm check-in and a five-day restart planDay 30 — and every two weeks after
- The funnel leaksThe lesson for that exact stage, at their levelAs soon as they send their numbers
- The skills check shows a gapA personalised lesson in the weekly journeyEvery third week
- A client objection comes upThe right lesson and the words to useIn seconds, on WhatsApp
Why it works
Built on how adultsactually learn and change.
- Little and oftenThree-minute lessons, spaced across weeks, beat a two-day workshop that's forgotten by Friday.
- Practice, not readingEvery lesson ends with something to try today — and a DONE reply that builds the habit.
- Feedback that's specificA profile, a funnel and a coach that says exactly what to work on next.
- Recognition, on timeCelebrated the morning after the win, when it still means the most.
- The leader's voiceMessages and 1:1s from their own leader keep coaching personal.
- In the flow of workOn the app they already use, between meetings — no new app, no classroom.
Lead
See the whole sales forcethe way a great coach would.
A heatmap of every adviser and every attribute. The team's shape, its coaching styles, where its funnel leaks — and the group sessions that would lift it most.
The loop
Assess. Diagnose. Coach.Prove it — every ninety days.
- 01
Assess
A 17-minute skills check on day one, plus the leader's view.
- 02
Diagnose
Will or skill, the funnel's leak, the focus for this career stage.
- 03
Coach
Personalised lessons, WhatsApp coaching and a 1:1 guide.
- 04
Re-check
Every 90 days. The chart grows — and so does confidence.
The team's shape, check by check
For insurers
What your distribution team gets
- A capability profile for every adviser, agency and bancassurance
- Earlier warning on who will struggle — will, habits and funnel, not just sales
- Coaching that fits each adviser, without adding work for leaders
- Group sessions chosen by data, from the team's weakest attributes
- Proof of development: profiles that grow, re-check after re-check
- Live in two weeks on WhatsApp — no new app, no IT project
Development, never judgement
Profiles are for coaching — never for ranking or discipline. Advisers see their own results, consent is built in, and personal data stays within the client's workspace.
For investors
Why this compounds
Hundreds of thousands of insurance advisers in Vietnam alone — and millions across Asia — learn the job mostly by trial and error.
A data asset no one else has
Every check, rating, funnel and result builds the largest picture of what makes advisers succeed in Asia — and makes every recommendation sharper.
Distribution built in
It runs on the messaging apps advisers already use. No app to install means fast rollouts across whole sales forces.
Asia-first, bilingual by design
English and Vietnamese from the start, with content and scenarios written for these markets, not translated afterwards.
A content library that compounds
1,000+ lessons, each mapped to the attributes it builds. New lessons and scenarios make the whole system smarter.
Clear business model
A per-adviser subscription for insurers and banks, plus brand partnerships that reach advisers and their customers.
Room to grow
Agency, bancassurance and beyond: any sales force that wins on people — banking, real estate, direct selling — across Southeast Asia.
Give every advisera coach who truly knows them.
See a live workspace with real profiles, or start a two-month pilot with your own sales force.