The Mahavakyas are the great sentences of the ancient wisdom traditions in India and are contained in the Upanishads. Maha is Great, and Vakyas are sentences, or utterances for contemplation. They are simply the Big Ideas.

Moroku’s Mahavakya is that many of the foundations of a good life are really hard for a lot of people and yet if we can crack the code for helping a lot of people have a good life the outcome, whilst utopian, is a lot better than its dystopian alternative. 

There’s a lot to unpack in what it means to have a good lfe, but certainly feeling and doing well about and with our money, being healthy, contributing to a sustainable planet are amongst them. Yet because they are hard, and we are wired for fitness payoffs, we so often establish habits that dont serve us well.

As Yuval Hararri points out in Sapiens,  we have been able to scale as a planet by establishing a set of stories and building systems around them, religion, empires and money largely. As countless scholars have described, the better we’re all doing individually, the better we all do collectively. Big ideas are new, impactful and leave behind a legacy that out lives us. Moroku’s big idea is to create a set of systems that permit organisations, public and private to engage their citizens and customers around building habits that serve them in a win:win paradigm. Cloud computing, AI, mobile, game and scoial come together in such a system to build empathy, create life maps , littered with knowledge and provide the guard rails and support for success. We call this system Odyssey.

After a life of work, people, particularly those in the developed world, should rightly expect to have something to show for it. This is a big idea, because as you will be unsurprised to know, it’s routinely untrue. Not only do we arrive at retirement with insufficient money to fund retirement but as we digitise banking we’re getting worse at it. 

In Australia, home of Moroku, a country generally regarded as being relatively wealthy most will retire in poverty. Almost half of America find it difficult to pay for a $400 emergency and half of households age 55 or older have. 

Our sedentary lives are killing us, with obescity, diabetes and cardiovascular disease on the march and putting health systems under enormous pressure.

Our planet is creaking under the weight of our footprint.

As we scale and live more virtually, we are disconnecting, replacing physical relationships with virtual ones  and many of the controls of life represented within communities , bank managers and care givers disappearing.

The local bank manager who knew her clients and could encourage them to do better, has gone. She knew the holidays, the debt and the income of her customers and could encourage them. She wasn’t just being altruistic. A good book with customers meeting their payments and long term goals is good for everybody and a sustainable economy. Whilst the constant drive to a consumer lead economy where everyone must have the latest smart phone and fashions may be good for the retailers and those that want to keep the precarious proletariat Precariat” with their nose firmly at the grindstone, others have an alternate view. Everyone winning brings a happier place for us all.

We  believe that everyone has a right to win and be given every encouragement we can muster to do that. We know money is hard work. We know that saving not spending is hard. We know that getting another credit card is easier than paying off the next one. We know that saying yes to the request from the crying screaming child is easier than saying no. So we know we need to get their 6 and turn up every day and give them that support.

Our model is based on game. Game is built for this. By establishing life as a mission, with a set of challenges, requiring skills to be built, competing with others to achieve win states, customer journeys can be built that are engaging and rewarding. Our On-Ramp design process defines how this manifests across various use ases. Our Odyssey customer data engagement platform, harnesses data and AI to build the guard rails and delivber the nudges.

Come join us to do some hard, impactful work.

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Digital is rapidly commoditising banking around the world, forcing participants to compete on margin erosion and funding. In the new engagement economy, there is an alternative: Harness the power of game to build digital experiences that deepen customer relationships, provide value and are relevant by supporting customers to thrive with their money.


This is a staging environment