Digital bank
Case Study: Volt Bank Builds a Differentiated Digital Experience with Moroku
Challenge: Competing in a Market Dominated by the Big Four
As Australia’s first neobank to receive a full banking license, Volt Bank entered a market long dominated by the Big Four. To succeed, Volt needed more than just a digital interface—it needed a differentiated customer experience that could:
✅ Drive customer engagement
✅ Deliver economic efficiency
✅ Enable organizational agility
Volt’s leadership recognised that traditional banking models wouldn’t cut it. They needed a platform and process that could help them stand out, scale fast, and connect deeply with customers.
Solution: A Gamified, Mission-Driven Platform for Digital Banking
Volt partnered with Moroku to design and deliver a next-generation digital banking experience using:
1. Moroku On-Ramp: Strategic Experience Design
Through the On-Ramp process, Moroku helped Volt:
- Define a customer-centric mission focused on financial empowerment.
- Design a gamified experience that rewarded positive financial behaviors.
- Align product development with user journeys and emotional engagement.
2. Moroku Odyssey: Platform for Engagement and Agility
Volt implemented Moroku Odyssey to:
- Deliver a mission-based digital experience that guided users from financial novice to expert.
- Use real-time data and behavioral triggers to personalise engagement.
- Enable rapid iteration and deployment of new features, supporting Volt’s agile operating model.
Results: A Digital Bank Built for the Engagement Economy
With Moroku’s support, Volt launched a platform that was:
🎮 Fun, intuitive, and rewarding—turning banking into a journey, not a chore
⚙️ Built on a modern, scalable architecture—ready for rapid growth
💡 Designed for differentiation—offering a unique value proposition in a crowded market
Volt’s experience demonstrated that engagement is the new competitive advantage in digital banking.
Conclusion: Winning with Experience, Not Just Infrastructure
This case shows how Moroku Odyssey and On-Ramp can help digital banks:
- Compete with incumbents through experience innovation
- Build agile, scalable platforms that evolve with customer needs
- Deliver measurable engagement and economic outcomes
🔗 Learn more:
Digital banking
Digital Banking requires Experience
When Volt Bank wanted to get to market they need a technology partner who understood contemporary technologies as well as how to build teams.
Mobile Application Development
There is more to building a mobile app than app development skills. Getting to market requires application development processes that manage requirements and incorporate CI/CD automation via one team for less managing, more doing and clear ownership across application services and infrastructure.
Moroku brought a focus on automation, infrastructure as code, monitoring, alerting and production readiness to get Volt into production within 90 days of arriving and then establishing a constant delivery capability.
An end to End Architecture
Building a digital infrastructure requires multiple components from digital channels, business applications, core banking and payments services and infrastructure services. Moroku brought these together in a unified way for core stability, ensuring application and platform events were managed in a single place, with alarms and communication channels in play to ensure issues were visible and services connected.
