Bank as a Service
Your License. Your Control.
Unlike traditional BaaS that bundles a license for fintechs, Moroku's composable banking platform lets challenger banks keep their valuable ADI license and regulatory accountability, while we provide the cloud technology to help you thrive.
License Provided
- Fintech-focused model
- Shared license arrangements
- Limited core banking choice
- Vendor lock-in
Bring Your Own License
- Keep your ADI license
- Retain regulatory control
- Choose your core banking
- Composable components
Your License is Your Most Valuable Asset
Traditional BaaS models were designed for fintechs who need to borrow a banking license. But you're a bank. You've earned your license, built your compliance capability, and established trust with your regulator.
Moroku's BYO License model respects that. We provide the cloud-based technology services while you retain full ownership of your license and regulatory relationships.
-
Retain Regulatory Accountability
Maintain your direct relationship with APRA, AUSTRAC, and ASIC
-
Protect License Value
Your ADI license represents years of investment—don't dilute it
-
Focus on What Matters
Banking, your customers, and your staff—not technology operations
Your Banking License
Full ownership and control of your ADI license and regulatory obligations
Pick and Choose Your Components
Build your ideal banking stack from best-of-breed components. Loosely coupled microservices enable incremental transformation, delivering value workload by workload.
Choose Your Core
Moroku integrates with leading core banking platforms. Migrate to a modern cloud-native core, or leverage our connectors to your existing system.
We Handle the Technology. You Own the Accountability.
Moroku's cloud-based technology services help you meet your regulatory obligations—CPS 230, CPS 234, AML, CTF, and beyond.
CPS 230 — Operational Resilience
Cloud-native architecture with built-in redundancy, disaster recovery, and business continuity capabilities to meet APRA's operational risk requirements.
CPS 234 — Information Security
Enterprise-grade security controls, encryption, access management, and continuous monitoring aligned with APRA's information security standard.
AML / CTF
Integrated identity verification, transaction monitoring, and suspicious activity reporting to meet AUSTRAC requirements.
We Handle Technology. You Handle Banking.
Let Moroku and our partners manage the cloud infrastructure while you focus on what you do best.
Your Banking
Focus on products, pricing, risk management, and strategic growth. Build the bank your community needs.
Your Customers
Deliver exceptional experiences that help customers thrive with their money. Hyper-personalisation and engagement built in.
Your Staff
Empower your team with modern tools that make their jobs easier. Less time on technology, more time on relationships.
Complete Digital Banking Stack
Purpose-built solutions for community and challenger banks.
Moroku Money
Award-winning mobile and internet banking that helps customers thrive. Game mechanics, hyper-personalisation, and beautiful UX.
Learn moreMoroku Flow
End-to-end product and customer origination. KYC, credit bureau, Open Banking, and decisioning in one streamlined platform.
Learn moreOdyssey Platform
The orchestration layer that powers engagement. Event engine, game server, and AI-driven personalisation.
Learn moreOpen Banking
CDR-compliant Open Banking capabilities through our Biza.io integration. Data holder and data recipient ready.
Learn moreIndustry Recognition
Ready to Build Your Composable Bank?
Keep your license. Choose your components. Focus on banking.
Let's discuss how Moroku can power your digital transformation.