Next Generation Banking is based on Game Tech

Games are the defining art form of the 21st century with enormous amounts of value creation to be unleashed by harnessing their power. As financial service providers find it harder to attract and engage customers and provide competitive return for investors,  game promises to unlock new value in engaging and growing clients. Game is how we love to engage and is how digital natives expect their experience to flow. Moroku’s game experience builds relevant financial services brands and deepen the customer relationship in the digital age.

As banking becomes more of a technology game, more technology competitors enter the fray.  Whilst traditional banking stocks provided high dividends and handy capital growth, but these days the growth is gone. The vast majority of banking stocks are flat lining.

The yields financial stocks pay are now beaten by resources and tech giants such as BHP and Apple. Twenty years ago banks were making acquisitions, they were doing things to get more and more business. But with regulation and the entry of big tech into banking, Amazon, Apple, Meta and Google largely, the world of banking is changing.

Meanwhile commodity prices and tech are in a super-cycle,  propelling profits, share prices and yieldss of resource and tech stocks higher. 

Apple perhaps is having the greatest impact and they are doing it right in front of the customer, changing their expectations of experience and differentiating at the eyeball. The demand is for modern, real time, high engagement products and experiences which can only be supported by modern infrastructure and design methods.

Everyone has intuitive access to how games work. Game is not an arcane idea, like AI that requires intellectual research and discusison to understand the inner workings of. Most of us can reflect upon our own experience and understand the main features of games.

We all get pulled into a game, internalising the game objects and how they fit together: goals, players, balls, penalties and boundaries in your version of football. As you spend time in the game you become more fluid in your understanding of the environment of the game, intuitively responding to it as the competiton, challenges and the skills required to win, change. 

As you give over to enjoying the game, you do so in a deliberate, voluntary way, “I am going to enjoy this ” As you do so, the game becomes more rewarding and you become aware of that enjoyment meta-cognitively. You go from enjoying it, to becoming aware that you are enjoying it.

In the early phases of a game, you are figuring it out, understanding the rules, game objects and objectives. In the next phase you then respond to the game objects as you discover them. In phase three , you become aware of your enjoyment. Good games then level you up, with new aspects of the game to figure out, and take you on a never ending cycle of growth and enjoyment.

Valorant is 2023's most popular video game

Money is very difficult to use well. Over the years, we have built the money story to help us scale, but in doing so it has become very complicated. There are many aspects to understand as the philosophy of money is broken down. Few appear to get it right. As the world gets more complex, as money becomes more virtual , traditional economic models break down, central banks lose confidence, it gets more difficult. As it does, people’s relationship with money changes and becomes the source of a lot of mental illness.  Research shows that money stress can make people up to 20 times more likely to make attempt suicide. Whilst banks have helplines for this in financial stress there is so much more that can be done within the financial experience to drive feelings of financial wellness, if we give ease of use as a design pardigm a rest. There is more that can be done, but only once we change or definition of success.

Imagine a world in which a finacial services experience focussed on how people feel with their money, getting them out of anxiety and stress and into a game like flow, going through the phases of figuring it out, groking it and shifting meta-cognitively.


With Odyssey, Moroku has built the world’s first and most powerful game engine for financial services. Powered by AI, the engine pulls in transaction data about custoemrs and places it on a multi-dimensional player map. Augmented by Open Banking data, the engine places the customer within a context they understand intuitively, after years of playing  and enjoying games, learning skills and overcoming challenges. 

Financial service providers can build something unique for themselves or take one of our solutions out of the box. The platform is only available for the courageous, those hungry to win, stand apart from the crowd and take customers on an odyssey of money, using the power of game to attract, convert, engage and grow customers.

Take your customers and organisation on a money odyssey

Take possession of the Moroku design processes and platforms to change how you compete.
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Digital is rapidly commoditising banking around the world, forcing participants to compete on margin erosion and funding. In the new engagement economy, there is an alternative: Harness the power of game to build digital experiences that deepen customer relationships, provide value and are relevant by supporting customers to thrive with their money.


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