Digital Banking Platform for Australia’s Challenger Banks & Non-Bank Lenders
Cloud-native, core-agnostic digital banking engagement layer enabling tier-3/4 Australian financial institutions to meet mandatory regulatory requirements while modernising customer journeys.
Perfect Storm Forcing Digital Transformation
Australian tier-3/4 financial institutions face unprecedented pressure to modernise their legacy technology stacks.
Regulatory Cascades
Open Banking (CDR), CPS 230/234, AML/CTF obligations. Legacy systems physically incapable of compliance. Regulations rolling down to non-ADI lenders through 2026.
Customer Expectations
Digital-first experiences now table stakes. Real-time payments, AI-powered personalisation, and mobile-first interactions matching neo-bank standards.
Economic Pressures
PE technology acquisitions driving incumbent price increases. Vendor lock-in becoming unsustainable. Consolidation pressure on smaller institutions creates platform winners.
Composable, Core-Agnostic Architecture
Full-stack digital banking that layers over existing systems OR enables complete transformation.
The “Switzerland” Strategy
We’re core-agnostic—trusted by all core providers. Integration partners send us deals. Network effects compound as we integrate with more cores.
- Full-stack digital banking: Mobile, internet banking, loan origination, payments, engagement
- Layer over existing: Open Banking compliance without ripping out legacy core
- Enable transformation: Seamless migration path to Mambu, Thought Machine, Temenos
- Cloud-native: AWS multi-region, CPS 230/234 compliant infrastructure
Building a Sticky ARR Engine
Once we’re in, we’re hard to replace. Our architecture creates deep integration and continuous value.
Regulatory Lock-In
Institutions can’t “finish” compliance—CDR, CPS 230/234, AML/CTF are ongoing requirements. Our platform updates automatically, creating continuous dependency.
Deep Integration
We become the digital nervous system—connecting core banking, payments, CRM, Open Banking. Switching costs increase with each integration point.
Per-Account Subscription
Revenue grows with client success. When clients acquire smaller institutions through M&A, the combined entity uses our platform—account volume increases automatically.
Feature Expansion
New compliance requirements, AI/ML capabilities, and engagement features flow through as platform updates. Contract values expand over time without new sales.
Proven Product-Market Fit
Live client, revenue traction, and a qualified pipeline of opportunities.
Bridge to Series A
$350K to close the final gap between where we are and where we need to be.
Why Moroku Now?
- Proven product-market fit: LCU live, 6 deals in advanced stages
- Structural market shift: Regulations forcing modernisation (not optional)
- Competitive moat building: ISO cert, core integrations, partnership network
- De-risked model: Core-agnostic vs. competitors’ monolithic approach
- Deal flow engine: Partners send opportunities (Mambu, Thought Machine)
- Clear path to Series A: Target $5-8M at $30-40M valuation in Q2/Q3 2026
Use of Funds: $500K Allocation
Regulation As Rocket Fuel
The regulatory mandates hitting Australian financial services represent the most significant forced technology upgrade cycle in the sector’s history.