MOROKU
Win the Challenger Bank Battle
Regulatory cascades meet market opportunity. Your legacy tech stands in the way.
CPS 230. CPS 234. Open Banking. AML/KYC. While the big four hold 90% of mortgages, challenger banks have a unique window to capture share in SME lending, broker-driven origination, and digital-first segments. But only if you modernize now.
Legacy Tech Meets Regulatory Reality
The cost of waiting is measured in compliance failures, customer attrition, and lost market share
CPS 230/234 Compliance
APRA’s operational resilience and information security standards are non-negotiable. Legacy cores can’t deliver real-time events, multi-region resilience, or tested disaster recovery. Board liability starts July 2025.
Open Banking Mandate
CDR extends to non-ADI lenders by 2026. Without compliant APIs and consent management, you’ll face penalties and watch customers defect to competitors who can deliver.
AML/KYC Intensification
Real-time transaction monitoring, automated identity verification, continuous reporting. Legacy systems struggle with the speed and sophistication now required. Criminal liability for officers is real.
Big Four Mortgage Control
Incumbents dominate residential mortgages through scale and distribution. But broker channels (70% of originations) and Open Banking are reducing their lock-in. Speed and service win.
Non-Bank Personal Lending Share
Personal loans are where challengers compete on CX and pricing, not brand. Digital journeys and real-time decisioning beat incumbent cross-sell advantages.
The Cost of Inaction
Non-compliance = regulatory penalties + customer attrition. Delayed transformation = locked out of growth segments. The competitive cost of waiting is irrelevance.
Compete Where Majors Are Least Agile
Challenger banks can win in segments where speed, digital UX, and specialized underwriting matter more than balance sheet scale
Capture Market Share Through Technology
Legacy banks are weighed down by mainframe architectures built decades ago. Their compliance burden is huge, their decision cycles are slow, and their customer experience is increasingly dated.
Challengers who modernize can leapfrog on:
- SME lending workflows with faster decisioning
- Broker-centric mortgage origination with superior service levels
- Digital-first personal loans with transparent pricing
- Regional and community banking with niche segmentation
- Frictionless onboarding and switching experiences
Challenger Advantage
Moroku Composable Banking Platform
Modern, cloud-native architecture that lets you build, launch, and scale digital banking experiences faster than legacy vendors. Core-agnostic, API-first, compliance-ready.
Moroku Flow
Product & Customer Origination
- Digital loan and deposit origination
- Customer, broker, and staff portals
- Real-time KYC/KYB with Frankie One
- Bi-directional CRM sync (HubSpot)
- Automated decisioning workflows
- Embedded brandable email journeys
- Open Banking ready
Moroku Money
Internet & Mobile Banking
- Customer account dashboards
- Transaction management & history
- Loan and deposit account servicing
- Real-time balance updates
- Secure messaging & documents
- Mobile-first responsive design
- Core banking integration
Moroku Odyssey
Engagement Engine
- Game-based engagement mechanics
- Hyper-personalized nudges
- Behavioral data and AI
- Customer journey orchestration
- Financial wellness coaching
- Habit formation & rewards
- Sustainability tracking
Core-Agnostic. Cloud-Native. Compliance-Ready.
Deploy as an API wrapper over your existing core, or use Moroku as your complete digital layer. Built for speed, resilience, and regulatory compliance from