Bring Your Own Cloud.
Keep your control of destiny.
Run Moroku's digital banking platform inside your own AWS or Azure account. Your data stays in your VPC, your bills come direct from your hyperscaler, and you keep the autonomy that matters most for CPS 230, data sovereignty, and operational resilience — without giving up the cadence of a managed SaaS.
The reasons your board has been asking about it
BYOC isn't a checkbox — it's a strategic decision about where your platform lives, who controls it, and what it takes to evidence that to your regulator.
Data sovereignty by design
Your customer data never leaves your cloud account. Encryption keys stay yours. Access policies are yours to define and audit. The vendor never holds the keys to your kingdom.
CPS 230 alignment
APRA's Prudential Standard for Operational Risk Management asks regulated banks to evidence continuous oversight of every material service provider. Running your platform in your cloud is the most direct way to demonstrate that.
Control of destiny
If your contract ever has to end — or your vendor ever has to change — you keep the infrastructure, the data, and the operational continuity. No black-box transition. No "vendor will hold our deposits" moment.
Cloud commitments at work
Most banks already have AWS or Azure spend commitments. BYOC turns that committed spend into platform infrastructure rather than dual-paying for vendor-hosted SaaS on top of underused capacity.
Audit reach
Internal audit, external audit, and regulator inspections all get direct visibility into the environment. No vendor reports to wait for. No quarter-end PDFs that are stale on arrival.
Existing tooling preserved
Your SIEM, your observability stack, your alerting, your IAM — they all keep working. Moroku integrates into your operational ecosystem rather than asking you to maintain a parallel one.
Choose the cloud configuration that fits your posture
Moroku supports three deployment models. Each delivers the same banking platform — Money, Flow, Odyssey — and the same Cockpit observability surface. The difference is who runs the underlying infrastructure.
Moroku-Managed SaaS
Moroku operates the platform on AWS in our standard multi-tenant deployment.
- Lowest unit cost · multi-tenant economics
- Fastest time to live · weeks, not quarters
- No cloud account required from the customer
- Full Cockpit observability included
- Best for credit unions and challenger banks moving quickly
BYOC · Your AWS Account
Moroku deployed into your AWS account. Cross-account IAM. Your data, your bill, your VPC.
- Customer-owned VPC · data never leaves your account
- Customer-managed encryption keys (BYOK / KMS)
- AWS infrastructure billed direct to you
- Moroku operates under managed-service agreement
- Auditor and regulator see the environment directly
- Full Cockpit observability included
Azure-Native Deployment
Moroku replatformed onto Azure for institutions standardised on Microsoft cloud.
- Single-cloud profile for institutions on Azure
- Entra External ID for customer identity
- Azure infrastructure billed direct to you
- Moroku operates the deployment
- Full Cockpit observability included
- Best when paired with Azure-hosted core banking
From signed contract to production, in four phases
Each phase is a defined deliverable with defined acceptance. No black-box implementation, no surprise scope.
Landing zone design
Joint design session: account structure, network topology, IAM trust boundaries, KMS key strategy. We deliver a Terraform-backed reference architecture for your environment.
Provisioning
Your team runs the Terraform; Moroku validates. VPCs, subnets, KMS keys, IAM roles, observability hooks — all provisioned in your account, owned by you.
Platform deployment
Moroku deploys Money, Flow, Odyssey, and the Cockpit observability surface into your provisioned environment. CI/CD pipelines wired to your account.
Hypercare & handover
Six weeks of elevated SLA support post go-live. Direct Slack channel. Fortnightly showcases. Steady-state operational responsibilities transition cleanly.
Who does what, in plain English
BYOC introduces a shared responsibility model. We make it explicit up front so there are no ambiguities at audit time.
| Area | Moroku | You | AWS / Azure |
|---|---|---|---|
| Application code & releases | Owns | — | — |
| Cloud account & billing | — | Owns | — |
| Encryption keys (BYOK) | — | Owns | — |
| Network configuration | — | Co-design | Provides |
| Platform operations | Operates | — | — |
| Hyperscaler infrastructure | — | — | Operates |
| Identity & SSO | — | Owns | — |
| Audit log access | Writes | Owns | — |
| Incident response | Leads | Engages | — |
| Regulator notifications | — | Owns | — |
Cockpit ships with every BYOC deployment.
BYOC gives your team the cloud account. Cockpit gives them the live operational picture inside it — and across every other material service provider on your CPS 230 register. One console for releases, security posture, audit log, and ticket SLAs. Bank-controlled access via your SSO.
- Real-time platform health for every component running in your cloud account
- Continuous CPS 230 evidence — material service provider register, exit playbook, BYOK posture, audit log
- Connector framework for every other vendor on your register: core banking, payments, KYC, Open Banking, GL, document generation
- Two-way Jira sync with live SLA clocks on every ticket — bug reports, change requests, RCA links
When BYOC is the right call — and when it isn't
BYOC is a real commitment. We'd rather tell you upfront when it doesn't pay back, even if it costs us the deal.
BYOC will pay back when…
- You operate as an APRA-regulated ADI with material service provider obligations
- Your board or risk function has explicitly raised data sovereignty concerns
- You have existing AWS or Azure spend commitments to leverage
- Your security team requires direct access to logs, network flows, and KMS
- You've previously been burned by vendor opacity — and the board remembers
- You want auditors and regulators inspecting the actual environment, not vendor reports
Stay with managed SaaS when…
- You're a credit union or challenger optimising for time-to-market over autonomy
- Your platform team is small and stretched, and operational burden is a real constraint
- Your CPS 230 obligations are satisfied through Moroku's standard observability surface
- You don't yet have the cloud cost commitments to absorb infrastructure billed direct
- You'd rather move quickly now and revisit cloud ownership at contract renewal
BYOC is one of the cleanest ways to evidence material service provider oversight.
Under CPS 230, every regulated bank must demonstrate continuous oversight of the providers behind its critical operations. Running your digital banking platform inside your own cloud account simplifies that evidence: your auditor can inspect the environment directly, your SIEM ingests the log streams natively, and your incident response team operates inside familiar tooling. BYOC isn't the only path to compliance — Moroku's managed SaaS satisfies the standard too, via the Cockpit observability surface — but for institutions where the board has explicitly asked for cloud control, BYOC is the most direct answer.
The questions every CIO asks
Is BYOC available in production today?
Does BYOC cost more than managed SaaS?
How long does BYOC deployment take?
Can we move from managed SaaS to BYOC later?
Which hyperscalers are supported?
What happens at contract end?
Who's responsible if something breaks at 3am?
How do you ensure isolation between Moroku's access and our data?
Ready to talk about your cloud posture?
A 45-minute discovery call walks through your CPS 230 obligations, existing cloud commitments, platform team capacity, and which deployment path fits. No pitch deck, no preconceived answer — just a genuine assessment of whether BYOC pays back for your institution.