Is Your Institution Ready to Compete?
Nine free assessments that reveal where legacy technology is creating risk, what it costs you, and what to do about it. Built on the Moroku Capability Model, benchmarked against the KPMG Mutuals Industry Review, and used by bank and credit union executives to turn instinct into evidence.
One hour. One report. The whole institution.
The Full Diagnostic guides you through all nine assessments in sequence — in as many sittings as you need. Answers carry across modules so you never answer the same question twice, and your own financials turn every finding into dollars.
The output is a single Institution Readiness Report: your capability heat map, your readiness scores across every domain, and the combined cost of standing still — a document your Board can read.
Start the Full DiagnosticOr go deep on one thing
Each assessment stands alone — free, anonymous, five to fifteen minutes, personalised report at the end.
Digital Banking Capability Assessment
Map all 28 capabilities across the eight layers of the Moroku Capability Model in 15 minutes: what exists, whether it's fit for purpose, and who supplies it. Output: a capability heat map and your vendor dependency score.
Start the Capability AssessmentFinancial Performance & ROI Benchmark
Upload your annual statements (they're already public) and benchmark your cost-to-income, margin, growth and capital against the KPMG Mutuals Industry Review — with your efficiency gap in dollars and ROI scenarios modelled on your own figures.
Start the Financial BenchmarkVendor Landscape
Is your core vendor a strategic partner or a liability? Vendor health, switching exposure, payments modernisation, and deposit & transaction banking readiness — the evidence base for your next renewal decision.
Start the Vendor AssessmentDecisioning Speed & Funnel Leakage
Every hour of approval delay adds ~7% abandonment — and most lenders can't see where applicants drop out between enquiry and settlement. Measure your speed, map your leakage, and put an annual dollar figure on both.
Start the Speed & Leakage BenchmarkAI Readiness
Data, governance, capability and architecture foundations, plus five high-ROI AI domains ranked for your institution — so your first AI project is the right one. Companion to our whitepaper, AI-Led IT Modernisation for Small Mutual Banks.
Start the AI AssessmentCustomer Engagement
How your digital member experience benchmarks against fintech leaders — and where the engagement gaps are costing you relationships, balances and main-bank status.
Start the Engagement AssessmentOpen Banking Readiness
CDR data-holder compliance and data-recipient opportunity, across technical infrastructure, consent management, lending use cases and member experience.
Start the Open Banking AssessmentCPS 230/234 Gap Assessment
APRA operational resilience and information security obligations — with directors carrying personal liability. Find the gaps across operational risk, information security and technology platforms before the regulator does.
Start the CPS AssessmentBroker Portal Requirements
Brokers manage 15–20 lender relationships and don't have time to fight bad systems. Score your portal against the 19 criteria that drive broker preference — and broker flow.
Start the Broker AssessmentHow it works
Assess
Free, anonymous for single assessments, no sales call required. The Full Diagnostic asks only for an email — only to deliver your report.
See it in dollars
Every finding lands against your own numbers and published industry benchmarks — not generic scare statistics. Efficiency gaps, funnel leakage and delay costs are computed from your figures.
Act on evidence
Where the diagnostic finds a case worth pursuing, a Moroku Technology Roadmap engagement validates it in a working lab, prices your pathway options — Core+, Engine 2, or stay-as-is — and puts a Board-ready plan behind it in 12 weeks.
Your data, plainly: single assessments capture no personal details. The Full Diagnostic asks only for an email, only to deliver your report. Financial statements are used solely to compute your results — annual reports of mutual ADIs are public documents. Results are confidential and benchmarks are cited to source (KPMG Mutuals Industry Review 2025).
Stop guessing. Start measuring.
Take the Full Diagnostic, or talk to us about what your results mean.
Start the Full Diagnostic Book a call