MOROKU
Banking that coaches

Be the bank they
can't leave.

Your customers already bank with someone else too. The main bank holds their income, their everyday card and their daily attention. We help you win all three.

Win the main bank → Check your onboarding score
Main-bank scorecard
Do you hold all three?
Their income lands with youWin the switch at the front door
Flow →
Your card is the everyday cardBanking worth opening every day
Money →
Your app is a daily habitCoaching that compounds
Odyssey →
~$198Kaverage lifetime net value of a customer. The main bank keeps most of it.¹
65%
of customer net value captured by the main bank to age 50
Cuscal, Oct 2026¹
2.9 / 4.4
products held with the main bank, ages 35–44
Cuscal, Oct 2026¹
14 / 62
ANZ community banks that let you join and borrow fully online
Moroku scan, Oct 2026²
54%
of consumers comfortable with an AI agent applying for credit
Experian / Forrester, Jul 2026³
What main bank means

Three signals.
Three instruments.

Customers never announce their main bank. Their behaviour does.

Customer at work
01 · Income

Their pay lands with you

The relationship is won in the minutes it takes to join. Make it minutes.

Explore Flow →
Customer in the field
02 · Card

Your card is the everyday card

Groceries, fuel, coffee. The most frequent contact you will ever have.

Explore Money →
Customer in a laboratory
03 · Attention

Your app is a daily habit

Coaching gives customers a reason to open your app, not someone else's.

Explore Odyssey →
The front door

Your next customer may send an AI agent. Can it get in?

Agents now shop, compare and apply on people's behalf. An agent won't wait for a callback. It moves to the next bank on the list.

27of 62 let a new customer join fully online
14of 62 join and lend online end to end
41of 62 take a full online loan application
0offer agents a way in with recorded consent. The ground is open.
Check your credit union → See Moroku Flow

Moroku scan of 62 ANZ customer-owned ADIs, 15 October 2026.²

Personal agent7:42 am
Find me a credit union car loan I can apply for this morning. I don't bank with them yet.
Bank AOpening an account needs a branch visit. Skipping.
Bank BJoin form ends with "we'll call you within 2 business days". Skipping.
Bank CJoin and apply in one online journey, ID verified in minutes. Ready for your approval to submit.
Go with Bank C.
Open Banking

You paid for the tax.
Now pick up the weapon.

Your customers bank with someone else too. Open Banking lets you see it, and win it.

Seen as a tax

A compliance line item

Built to satisfy the regulator
Data sits idle after go-live
Days spent chasing payslips
A partial view of the customer
Used as a weapon

The whole customer, in every decision

MinutesIncome verified and a lending decision madeFlow → Every bankAll their accounts in your app, not theirsMoney → 360°Coaching built on their full financial lifeOdyssey →
Turn your CDR investment into growth →
The platform

Pick your first move.

Book a demo
Digital banking · The channel
Moroku Money

White-label mobile and internet banking your customers open every day, with every account they hold in one view.

Explore Money →
Welcome Shane, NET POSITION $30,668.62 Personal account Savings account Credit card Personal account$1,778.30 Savings account$29,421.58 VIA OPEN BANKINGOther bank · Everyday$5,687.96 VIA OPEN BANKINGOther bank · Savings$647.74 Savings streak: 3 monthsMove your pay here and unlock this month's reward.Switch my pay
Customer receiving a loan approval
Origination · The front door
Moroku Flow
<3 minconditional approval

Join and borrow in one online journey, ready for customers and the agents acting for them.

Explore Flow →
Customer using a banking app
Engagement · The coach
Odyssey
Dailyreasons to open your app

Turns the data you already hold into nudges and habits that make you the main bank.

Explore Odyssey →
The benchmark
We reduced approval times by 50% and went live in 100 days. MOROKU transformed how we serve our members.
Head of DigitalLCU, Sydney
10/10onboarding readiness score²
2 clickshomepage to customer and borrower²
<100days to live
50%faster approvals
Zero ambiguity

From decision to live
in 12 weeks.

Weeks 1–4

On Ramp

Design sprint. You own the main-bank strategy.

Weeks 5–8

Build

Integrate with your existing core. No rip and replace.

Weeks 9–11

Test

Real customers, real journeys, trained staff.

Week 12

Go live

Start winning the main-bank signals.

Start with On Ramp →
Banking that coaches

Which bank will your customers
call main?

One session. We look at your core, your front door and your data, and show you the fastest route to all three signals.

Book a data readiness session Check your onboarding score
Money → Flow → Odyssey → Open Banking →
¹ Cuscal, “Customer growth from insight to main bank: a practical lifecycle playbook for mutuals and banks”, Sydney, 14 October 2026; cumulative customer value in AUD. ² Moroku, Digital Onboarding Market Scan, public websites of 62 ANZ customer-owned ADIs read 15 October 2026. ³ Experian / Forrester Consulting, 6,247 consumers in 13 markets including Australia and New Zealand, July 2026.
Insights

Digital Banking Insights

Latest thinking on engagement, compliance, and the future of financial services

View All Insights
Set an appointment