Proven Results in Digital Banking

Solution: On-Ramp + Odyssey

Using the On-Ramp methodology, Moroku mapped customer journeys and designed a gamified experience aligned with customer goals and bank KPIs. The bank then implemented Odyssey to deliver personalised missions and rewards.

• Jungian archetypes for risk profiling via avatar selection
• Mission-based learning about trading and investment fundamentals
• Real-time data triggers for personalised nudges
• Boss fights comparing results to investment masters

The Moroku Difference

What makes On-Ramp different is the proprietary telos of unleashing user potential through game design—building missions and challenges for players to develop skills, create habits, and win with their money. Ease of use alone lacks this essence.

In testing, 90% of registered users commenced and completed their first mission. Critically, 80% of users who failed a mission retried—leveraging the learning power of game that allows players to fail, learn, and try again.

Solution: Full Digital Build-Out

Volt partnered with Moroku to design and deliver a next-generation digital banking experience. Through On-Ramp, Moroku helped define a customer-centric mission focused on financial empowerment with gamified reward mechanics.

• Mission-based digital experience guiding users from novice to expert
• Real-time behavioral triggers for personalised engagement
• CI/CD automation for rapid iteration and deployment
• Infrastructure as code with monitoring and alerting

End-to-End Architecture

Moroku brought together digital channels, business applications, core banking, payments services, and infrastructure in a unified architecture. Application and platform events were managed in a single place with alarms and communication channels ensuring issues were visible.

Moroku brought focus on automation, infrastructure as code, monitoring, alerting and production readiness to get Volt into production within 90 days, then establishing a constant delivery capability.

Solution: Agile Lending Transformation

LCU partnered with Moroku to implement Moroku Flow, a digital lending platform designed to automate decisioning, streamline workflows, and empower lenders to do more with less. The project was delivered in just 100 days using agile methodology.

• Automated credit decisioning based on configurable rules
• Real-time online application tracking for staff and members
• Kanban boards for application tracking and responsibility
• Daily staff stand-ups and regular showcases
• Improved pipeline visibility and velocity

The Lending Flywheel

The combination of decisioning speed, online applications, and agile hybrid work practices creates a powerful flywheel effect. Fast decisions attract and retain customers. Digital access expands reach and reduces cost to serve. Agile teams continuously improve and attract talent.

Solution: Emotional Engagement Design

Through On-Ramp, Moroku uncovered users' emotional relationships with money—including fear, shame, and impulsivity. A mission-based journey was designed to help users confront and overcome financial biases, building a progression from novice to coach.

• Financial growth framed as challenges and quests
• Emotional unwrapping to understand decision influences
• Progress rewards unlocking money tools and insights
• Accountability and self-efficacy building

From Transactional to Transformational

Buy Now Pay Later is a great tool when used properly, but can lead to over-reliance on credit and impulsive behaviour. By applying game thinking, engaging customers emotionally, and building empathy to unlock content, Moroku helped level customers up and change their behaviours.

Solution: Gamified Financial Empowerment

Using On-Ramp, Moroku identified key knowledge milestones in the customer journey and designed a gamified experience that rewarded acquiring knowledge. The process of applying for a loan was aligned with user knowledge and capability.

• Missions, badges, and progress tracking for financial knowledge
• Data-driven nudges to encourage credit profile building
• Safe, rewarding environment for building financial confidence
• Learning quests covering affordability, serviceability, assets, liabilities

First-Time Home Buyers

Younger customers want to enter the home market and banks want to lend to them. Yet there are significant gaps in knowledge, assets, and credit ratings. By using gamified origination, customers could explore ways to unlock the housing market with fun and reward.