All banks are the same
“Data is the new oil” is a catch phrase that is increasingly bandied about. Whilst many are nerding out on ChatGPT, AI […]
Out With Goals – In With Habits
Losers have goals. Winners have systems. Financial wellness, like physical wellness, comes from stacking a series of good habits which, like interest, […]
Faster Payments
Cash usage has largely been replaced by credit and debit cards other than the by the money launderers and those hanging onto […]
NES to Replace NPS
Net Promoter Score (NPS) has long been used to judge consumer sentiment. It is based on a single survey question asking respondents […]
Spotifying Lending to Deliver Engagement and Unlock Value with Moroku
Earlier and reduced onboarding friction coupled with better data aggregation across the lending mission presents real opportunity for lenders and borrowers facing […]
The Spotification of Financial Services
What we can learn from Spotify’s business model, technology stack, design and build processes
Spotifying Spending
Spotify is the world’s most popular audio streaming subscription service with 456m users, including 195m subscribers, across 183 markets. When Spotify was founded […]
Moroku Podcast
The Moroku Podcast is now live. Covering a range of subjects related to the application of game theory to drive digital engagment […]
Newton and the Engagement Triad
Listen to “Newton and the Engagement Triad” on Spreaker. Newton, Einstein and Descartes provided us with powerful frameworks for understanding our position […]
The art, science and philosophy of digital banking engagement
The world is evolving quickly. Digital is breaking down previous boundaries and barriers to entry. The branch was where banks built brands […]
Player Archetypes, Motivation and Risk
Players play games for a host of different reasons. Understanding these needs help make the game rewarding for a broader range of […]
Over Indexing Failure
Banks have been good at engaging customers when they lose whilst seeking NPS. For decades banks have been posting letters to customers […]