Your Customers Bank
With Someone Else Too.
The big banks have locked away customer data for decades. Open Banking breaks that monopoly, turning a regulatory tax into your most powerful competitive weapon. See the full picture. Decide faster. Win more.
From Regulatory Tax to Competitive Weapon
Most banks treat Open Banking as a compliance checkbox. Smart banks see it as the key to breaking the incumbents' data advantage.
Data Locked Away
- Big banks hold data monopoly
- Manual document collection
- Days to verify income/expenses
- Partial view of customer
- Data entry errors & fraud risk
Data Liberated
- Access data from any ADI
- Automated consent-based retrieval
- Instant verification
- Single pane of glass view
- Bank-grade data integrity
Break the Data Monopoly
Open Banking levels the playing field. For the first time, challenger banks and credit unions can access the same customer data as the majors.
Accelerate Decisioning
Reduce time-to-decision from days to minutes. Real-time access to income, expenses, assets, and liabilities means conditional approval in the time it takes to make a cuppa.
Reduce Risk
Bank-verified data eliminates manual entry errors and document fraud. See actual transaction history, not curated bank statements. Better data means better decisions.
Hyper-Personalise
When you see a customer's complete financial picture, you can offer genuinely personalised products and advice. Move from product-pushing to customer-helping.
Single Pane of Glass
Give customers a unified view of their complete financial life—accounts, loans, cards, super—across all their providers. Become their financial command centre.
Open Banking Powers Every Product
Open Banking isn't a standalone bolt-on—it's the nervous system connecting customers to their data across the entire Moroku platform.
Moroku Money
Give customers a single pane of glass for their entire financial life. Aggregate accounts from any provider into one beautiful, engaging interface.
- Multi-bank account aggregation
- Cross-provider spending insights
- Net worth tracking
Moroku Flow
Supercharge lending decisioning with real-time financial data. Conditional approval in minutes, not days.
- Instant income verification
- Automated expense categorisation
- Liability detection across providers
Odyssey
Feed Open Banking data into Player Maps for deep customer understanding. Know where they've been, where they're going, and how to help.
- Holistic financial profiling
- Behavioural pattern recognition
- Hyper-personalised nudges
Growing Library of Connectors
Moroku's Open Banking capabilities connect to an expanding ecosystem of core banking platforms through certified CDR connectors.
Open Banking Data Flow
CDR-compliant connections across the Australian banking ecosystem
What You Can Do With Open Banking
From instant lending decisions to complete financial wellness, Open Banking unlocks capabilities that weren't possible before.
Instant Lending
Conditional approval in minutes. Verify income, detect liabilities, and assess affordability with real transaction data.
Financial Wellness
Help customers see their complete financial picture. Track spending, set goals, and nudge better habits across all accounts.
Identity & KYC
Bank-verified identity reduces fraud risk and streamlines onboarding. Know your customer with certainty.
Ready to Break the Data Monopoly?
Turn Open Banking from compliance checkbox to competitive weapon. Let's discuss how CDR can power your digital banking strategy.