emerging markets thrive

As consumer use of digital banking accelerates, emerging markets have become the hub of banking innovation and growth for digital business models.


BRICS FX Reserves


India's growth on an annual Basis in the first half of the fiscal year 2022-23


African % of all humans by end of century

Our Perspective

As the world goes beyond peak human and peak child, the emerging markets present all of population growth ahed of the world . As they do, the ability of financial service providers to understadn the needs of these markets in terms of access to money around a telos of financial wellness will seperate the winners and losers.

Rapid Catch Up

Adoption of digital banking in emerging markets has caught up with that in developed markets.


The growth of  of digital banking adoption indicates that banks have an opportunity to leverage existing assets to strengthen and diversify their digital offering.

Competitive Levers

To compete against the incumbents, challengers need  reinvent business and delivery models by focusing on weakening the value of branches, customer engagement, and ustomer success

Game Wins

Games as a % of mobile phone usage in emerging markets define the customer expectations of digital experience.

Interested in leveraging game as a design principle?

The global financial services market is undergoing an enormous change brought about by technology that is changing the expectations of customers in terms of how they want, expect and are being served. Lead by Google, Apple, Facebook, Physical Fitness paltforms like Apple, Nike, Fitbit, Strava and Garmin as well as mobile video game companies like GameSpot, Zynga and Farmville, customers expect everything to be available from their smartphones and those services to be always on and be fun.

Without an understanding of basic financial concepts,
people are not well equipped to make decisions related to
financial management. People who are financially literate
have the ability to make informed financial choices regarding
saving, investing, borrowing, and more. By using ame asn the design principle to provide content, reward progress and celebrate success, financial servcie providers that harness game can take customers on the ir money journey and win.

Ready to get started?

Download the Odyssey Whitepaper

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Odyssey is an engagement platform for financial service providers that want improved customer acquisition and retention. As market competition continues to heat up, customer engagement is the battleground. Moroku’s behavioural banking engine helps banks, credit unions and fintechs attract and engage customers around a telos of financial wellness and an architecture of game.

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