Digital Services Layer
The Integration Backbone
A composable integration platform that unifies core banking, payments, identity, and operational services into a single GraphQL API—powering Moroku Money, Flow, and Odyssey with consistent, secure connectivity.
Connecting Products to Services
The DSL sits at the heart of the Moroku ecosystem, providing a unified abstraction layer that connects all customer-facing products to critical third-party services.
Moroku Money
Mobile & Internet Banking
Moroku Flow
Loan Origination Platform
Moroku Odyssey
Engagement & Gamification
Authentication
AWS Cognito MFA
Monitoring
Real-time observability
Event Bus
SQS/SNS messaging
Data Layer
Tenant-isolated MongoDB
Enterprise Integration Made Simple
Abstract complexity away from your applications with pre-built connectors and a unified API surface.
Core Banking Integration
Connect to any core banking platform through our adapter architecture with zero changes to your applications.
- Thought Machine, Temenos, Mambu
- Unified account & customer APIs
- Transaction history & balances
- Rapid provider onboarding
Cards & Payments
Full card lifecycle and payment processing through integrated Cuscal and payment network connectivity.
- Card activation & management
- BPay, NPP, internal transfers
- Card controls & limits
- Direct debit management
Identity & Onboarding
Streamlined digital identity verification and customer onboarding with KYC compliance built in.
- Frankie One KYC integration
- Digital identity verification
- Open Banking data recipient
- Automated onboarding flows
Reusable Services Across All Products
Build once, use everywhere. The DSL provides shared operational capabilities that power every Moroku application.
Enterprise-Grade Operations
The DSL doesn’t just connect—it provides critical operational services that every financial application needs, built once and shared across Money, Flow, and Odyssey.
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Unified Authentication
Single AWS Cognito implementation with MFA, biometrics, and tenant-isolated user pools
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Platform Monitoring
Real-time observability, anomaly detection, and proactive alerting via CloudWatch
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Event-Driven Messaging
SQS/SNS event buses for async processing, canonical events, and workflow orchestration
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Adapter Façade
Swap providers without touching applications—integration changes stay isolated
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Audit & Compliance Logging
Centralised, immutable logs in isolated AWS accounts for regulatory compliance
Connected Ecosystem
Pre-built adapters for leading financial services providers, ready to deploy.
Thought Machine
Cloud-native core with smart contracts
Temenos Transact
Enterprise banking platform
Mambu
Composable banking engine
Cuscal
Card controls & payment networks
Frankie One
KYC verification & AML screening
Biza / Basiq
CDR data recipient services
HubSpot
Customer relationship management
Xero
Accounting & financial reporting
Enterprise Security by Design
Multi-layered security architecture leveraging AWS’s mature security services.
Perimeter Defence
AWS WAF and Shield protection against DDoS attacks and malicious payloads at network, transport, and application layers.
Network Isolation
Public APIs via load balancer; microservices in private subnets; databases in isolated private cloud with no public access.
Tenant Isolation
Separate AWS accounts per customer, separate databases per tenant, and isolated Cognito user pools for complete segregation.
Encryption
Data encrypted in transit (TLS 1.2) and at rest; AWS KMS for key management; Secrets Manager for credential rotation.
Governance
AWS Control Tower policy enforcement; isolated log and audit accounts; Inspector vulnerability scanning; CPS 230/234 ready.
Observability
CloudWatch for real-time monitoring, anomaly detection, distributed tracing, and proactive alerting across all services.
Ready to Modernise Your Integration Architecture?
Connect with our team to discuss how the Digital Services Layer can accelerate your digital banking transformation.