Digital Banking Customer Experience Personalisation

For digital banks, who want to differentiate, grow, engage customers and reward loyalty, Moroku Odyssey connects to transaction and data platforms to recognise customer efforts, reward their success and support them through their money challenges in real time through the digital experience. Unlike other personalisation, loyalty and engagement systems, Moroku Odyssey, combines game theory, data and AI to create emotional intelligence and connection.  Available as a set of APIs or an increasing set of white label services, Moroku helps digital banks win by helping their customers win.

The journey of money success.

Moroku Odyssey is an orchestration and engagement platform for digital banks.

As a SaaS platform, Moroku Odyssey integrates securely into the digital infrastructure to convert data into engagement, emotion and loyalty, by building empathy and support for life's hard work. 

For digital banks, who want to differentiate, grow, engage customers and reward loyalty, Moroku Odyssey connects to transaction and data platforms to recognise customer efforts, reward their success and support them through their money challenges in real time through the digital experience. Unlike other personalisation, loyalty and engagement systems, Moroku Odyssey, combines game theory, data and AI to create emotional intelligence and connection.  Available as a set of APIs or an increasing set of white label services, Moroku helps digital banks win by helping their customers win.

Wellness via game is now everyone's idea.

More than a set of tips and tools, Odyssey provides a holistic view of the financial journey to position financial wellness across the digital experience.

  • Customers monitored across time, space and momentum
  • Designed around the way we all like to play
  • Inherently viral and sustainable
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The journey to skill via flow.

We don’t think as much as we think we think, propelled more by how we feel. We need to be guided from not knowing how unskilled we are (unconscious incompetence) through the stages of learning to being skilled (unconsious competence), developing systems in a way that seems effortless and enjoyable.

  • Missions, Challenges, Goals and Celebration
  • Multiple money systems within each money system, such as budgeting within spending
  • Enable players to automate subsytems once they have understood the core principles

A journey of habits

Increasing numbers of banks want their customers to be well and require that to be delivered within the customer experience of their products and services.

Moroku provides this by way of Odyssey, a behaviour driven data mapset of configurable options that lays out a journey of habits, discipline and skill building across the major money systems customers encounter in their lives.

  • Multiple Leagues that correlate to markets
  • Inclusive across a range of customer archetypes
  • Positions players, tracks how they got there and nudges them toward success
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Giving you and your customers the capability to compete.

Construed as game

We can no longer hope that customers know what to do with their money to achieve wellness. We can no longer hope that they have the volition to stick at it. We can no longer hope that if we provide them with enough education they will learn. By construing the customer experience as a game we remove our reliance on hope and leverage our natural instincts to play, grow and win.

Keep your customers engaged

Avoid paradox of choice by progressively unlocking capabilities and challenges to keep customers engaged and levelling up.

Get the balance right

Sometimes there are times for intrinsic rewards, other times extrinsic. Intelligent systems gets this balance right.

Hyper Personalised, Data Driven Nudge Engine

Odyssey provides the maps, leagues and initial rule sets and events that respond to the transaction and life events that coach the data platform to increasingly personalise the nudges and the game.

Examples

Operating Model

Whilst the vast majority of finapps now have budget calculators and money systems bolted on as customer mouse traps, Odyssey based apps have a telos of customer success, ensuring everything is lined up to deliver a properly sequenced, discoverable money story. 

  • Missions
  • Unlocks
  • Awards
  • Rewards
  • Analytics
  • Personalised Pricing
  • Multiple Money Sub Systems
  • Leagues
  • Social Payments and Messaging
  • Much More ...

The Odyssey to segment of one and hyper personalisation with AI.

Initial Hypotheses

A set of static rules, with one set for each game as separate leagues place customers on the map

Archetypes

Leagues are further split into Jungian based archetypes to create more segment rule sets to test, learn and tune and constant multiplication. As granularity builds, machine learning modules are added to accelerate the learning and rule set precision.

Open Banking

By connecting wider customer data sets through open banking, a more complete profile is established for the stochastic models to refine their accuracy further.

Segment of One

As the dimensions and parameters of the player maps increase, intra bank data sharing of behaviours further accelerate the personalisation of the rule sets beyond the archetype and league to the customer segment/rule set, of one.

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Start your journey with Odyssey

Learn about the Game Server within Odyssey that drives the narrative, skill building and habit forming.

Where flow lives
Game Server
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