Digital Banking Channels

White label Mobile and Internet Banking: Loan Origination Cloud Resident/Mobile First Core Integrated Open Banking and Digital Identity Verification Economic Odyssey powered for Emotional Intelligence , engagement and loyalty – the differentiator – game + data + AI

Digital Banking

Banks want a digital experience that allows them to acquire customers and deepen customer relationships, yet not every bank has the time, money or resources to invest in a custom build.

Thriving in today’s competitive digital world requires banks and fintechs to grow their core business of deposits and loans. This growth must occur online and on-app, originating customers and loans quickly without expensive branch visits

To differentiate, these digital plaforms must also encourage and reward customers for building strong money habits with the bank, at a cost to acquire and serve that are market leading. 


Internet and Mobile Banking

Small, agile banks are well placed to compete against larger institutions who are increasingly forced to provide one size fits all solutions as they struggle to personalise experiences, manage complex technology museums and innovate.

Smaller banks typically serve niche segments by understanding their specific needs and are able to build risk models and value offerings for them in a way they larger institutions cannot.

Layer in a contemporary digital channels offering and the possibilities are unleashed.


For years smaller banks have been underserved by their local technology providers who have struggled to keep up with the advance of technology in areas such as cloud, user experiences, open banking, artificial intelligence, data and cybersecurity.


Due to the complexity, cost, risk and monolithic nature of the technology stacks and their commercial arrangements, it has to date been very difficult for many to do anything about it.


Utill now. Moroku Money is a whitelable, out of the box, digital banking platform that helps smaller banks deepen customer relationships and compete.


It is unlike any other digital bank offering in the world because it is underpinned by Moroku’s award winning engagement platform, Odyssey, that delivers Emotional Intelligence.

Download the Moroku Money Whitepaper

It's Time

A long period of low interest rates has ended

This is slowing mortgage lending performance, the disproportionate impact of digital on smaller banks because of their size, talent and ESG challenges which are providing significant headwinds.

Success in this environment is dependent on how well technology is leveraged to deepen customer relationships and deliver value whilst managing risk and cost effectively.

Maintaining the status quo seems unviable

Get Started with Money

Moroku has established a digital platform and program for small banks who want to punch above their weight and take charge in a balanced and measured way, by providing customers the experience they deserve and protect their future.

This is a staging environment