MOROKU 
Firms need business model change, not blockchain
Ben Robinson of Temenos has written a great piece on blockchain, the unbundling and subsequent rebundling of banks. Ben describes how in music, it was iTunes which unbundled music to let us buy individual songs. Spotify then rebundled the model to an all-you-can-listen streaming subscription service. This pattern when playd out ...
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Banks and Credit Unions are Zeroing in on Gen Z
Banks and credit unions are increasing their spend on marketing tech, data-driven techniques and content marketing. According to the ABA “Martech” now comprises about 22% of the average bank’s budget. They are also targeting this spend at one particularly essential consumer population: Generation Z according to a recent analysis of the top 5 retail banking marketing ...
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Youth Banking Segment
Moroku is passionate about building long term value by helping kids learn the fundamentals of banking and including them in the financial system. Our beliefs create our reality and if we can influence these positively magic can happen. Fintech companies are targetting the Millennials market segment across the world and challenging ...
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Building Viral Banking Platforms
Moroku wants all kids to build a healthy relationship with and beliefs around money. We want to do this because we have a sense that money is a major way that we measure success and whilst it doesn’t create happiness there is no doubt that it is involved in many ...
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The Great Savings Game
Funding Banking Retail banking is a simple game at its heart: Banks lend money to customers and make money on the margin derived from what it costs to get that money (Net Interest Income). On top of that they then look for cross sell opportunities such as cards and insurance. ...
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Moroku’s 2017 Mahavakya
The Mahavakyas are the great sentences of the ancient wisdom traditions in India and are contained in the Upanishads. Maha is Great, and Vakyas are sentences, or utterances for contemplation. They are simply the Big Ideas. Moroku’s Mahavakya is that after a life of work, people, particularly those in the developed world, should rightly expect to have ...
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What we all need to do is so important
Moroku help banks help their customers win. We do this by building digital experiences that motivate customers to save not spend and through this model build sustainable banking businesses based on liquidity as opposed to net interest income (NII) and fees. This is both really important and really hard. This ...
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