The future of banking is hyper personalised
Next generation digital banking experiences are hyper personalised. This is brought about by player engines, like Moroku’s Odyssey, that create a picture […]
Systems, Habits and Challenges for Digital Engagement
The 75 Hard Challenge was created in 2019 by entrepreneur Andy Frisella, CEO of 1st Phorm. 75 Hard is not a fitness […]
Customer Loyalty and the hunger for reward
Long-term tenure with a bank no longer guarantees customer loyalty. Recent research from Zafin uncovers surprising insights into customer behaviour in the UK, with […]
Open Banking – Australia vs New Zealand
Australia and New Zealand have taken significantly different approaches to Open Banking. Like their rugby teams, these differences are due to the […]
Digital Children Banking Update
Digital children banking continues to grow as fintechs and neobanks globally recognise the potential of engaging young users early. The market is driven […]
Moroku Money integrated with Mambu digital core
Moroku Money & Mambu: A Game-Changing Integration for Challenger and Community Banks As the financial landscape evolves, banks are adapting to meet […]
Agentic AI impact
Agentic AI is the number one trend shaping banking in 2025 Agentic AI, such as Google Agentspace, refers to artificial intelligence systems […]
Digital Banking Trends
As the digital banking landscape continues to evolve, staying informed about the latest trends is crucial for maintaining a competitive edge. Over […]
Earth Day 2025 – Levelling Up Engagement
Earth Day: Levelling Up Energy Engagement Earth Month is a fabulous opportunity to re think energy app engagement. This annual awareness […]
Business Payments
In early 2024, Moroku and Lessn launched a new business payments platform for small to medium sized businesses in Australia to save […]
The criticality of Data Maturity in a world of AI
Data maturity refers to an organisation’s ability to effectively manage, analyse, and utilise its data to drive business outcomes. It reflects the […]
Loan Data Regression Update
The loan market in Australia, like many markets, is heavily concentrated around a handful of large lenders (CBA,ANZ,NAB,WBC) and brokerages (Aussie Home […]
Ethical AI
How Banks Are Deploying Responsible AI: Insights from Lloyds and Moroku As artificial intelligence (AI) continues to revolutionise the financial sector, banks […]
Regression Models in Loan Origination
Competitiveness in lending is predicated on decisioning speed - Saying Yes or No as fast as possible. Whilst there is a lot of work going on to automate workflows the ROI of these investments is dependent on the intelligence of the underlying risk engines. This means having a granular understanding on the relationship between the inputs and the outputs. The finer grained this is, the less data is required, making the application and decisioning processes faster.