Moroku Signals
The Open Banking Analyser
Invite an applicant, they share their bank accounts through the Consumer Data Right, and you get an affordability report and explainable risk signals. Every flag comes with the transactions behind it.
From about 33 cents an assessment, GST included. Launch offer: 500 assessments for A$100.
Sample assessment · Home loan
$960,000 against $1,200,000
DSR
0.75
NDI
1.48
LVR
0.80
ARA
$11,333
LTI GROSS
3.86
DTI GROSS
4.05
- Income regular. Salary from the same employer every fortnight for 6 months.
- Card not declared. A credit card account with a $6,000 limit was found in the shared data.
- Rent paid on time. Same payee and amount, never late in 12 months.
Illustrative data. Each line opens the transactions that produced it.
Open banking is live. Most lenders still read statements by hand.
Australia's banks and mutuals already share customer data under the Consumer Data Right. What has been missing is the step from raw transactions to a lending decision you can stand behind.
Moroku Signals takes that step. It works out serviceability, finds the debts an application leaves out, and spots the patterns credit officers look for, then shows its working on every line.
How it works
From invite to assessment in three steps
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1
Invite
Add the applicant and the loan request, then send a link by email or SMS, branded with your organisation's name.
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2
Connect
The applicant shares their accounts through the Consumer Data Right, confirms the income and expenses we derive, and adds the assets and debts bank data can't show.
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3
Assess
Your assessment arrives as soon as the data syncs: affordability, risk signals and reasons to say yes, plus a credit-file PDF for the loan record.
What you get
An affordability report and the signals that sit behind it
Affordability report
Serviceability tested at your assessment rate, with every ratio coloured against your own policy.
- Income detected by payer and cadence, with variable income shaded
- Expenses split into committed, basic and discretionary, compared with your own benchmark table
- Every liability shown three ways: declared, found in the data, and inferred from repayments
- A calculation trace, so any figure can be re-derived by hand
Risk signals
Green, amber and red flags, each with the transactions that triggered it and a plain-English reason.
- Coverage
- Has the applicant shared the account their pay lands in?
- Income integrity
- Regular, real, and the size they said
- Liquidity and stress
- Overdrawn days, dishonours, card utilisation
- Hidden credit
- Undisclosed debts, payday loans, BNPL, wage advances
- Home loan checks
- Genuine savings, rent history, deposit source
- Gambling and crypto
- Wagering, casino and exchange activity, kept apart from lottery
Reasons to say yes
A thin credit file doesn't show character. Bank data does. Every assessment lists the positive evidence too: rent paid on time, cards cleared in full, savings that grow, no dishonours.
- First-home buyers with a rental record but no credit history
- Recent arrivals building a financial footprint in Australia
- Self-employed and gig workers with steady, provable income
Included: transaction categorisation
Every transaction categorised, and the reason why
Every assessment runs on Moroku Enrich, our categorisation engine for Australian transaction data. It turns a bank descriptor into a category and classification you can defend.
- Auditable. Every result carries its source, confidence and engine version, so it can be reproduced.
- Deterministic first. Merchant category codes and Moroku's Australian merchant dictionary answer first; a language model sees each new merchant once.
- Conservative. Spend it can't recognise is flagged as unverified and treated as essential, never flattered into discretionary.
- Built for lending. Recognises BNPL, payday lenders, wage advances, debt collectors, fines, gambling and crypto exchanges.
From descriptor to category · illustrative
WOOLWORTHS 3341 PARRAMATTA
Groceries · essential · MCC 5411 · confidence 0.95
AFTERPAY PTY LTD SYDNEY
BNPL · financial commitment · brand rule · confidence 0.70
SPORTSBET MELBOURNE VIC
Gambling, wagering · discretionary · brand rule and MCC · confidence 0.95
TRANSFER REF 88213 JK
Other · essential · unverified
Built for responsible lending
Evidence for your file, not a black box
Every flag shows its working
Each signal links to the transactions behind it, ready to record against the loan.
You make the decision
Signals guide review; they never approve or decline. Vulnerability flags prompt a conversation, not a rejection.
Sensitive spending is never scored
Health, religious, union and political payments are excluded from every signal.
Consented, Australian, revocable
Data arrives with the applicant's consent under the Consumer Data Right, stays onshore, and is deleted when consent is withdrawn.
Pricing
Cents an assessment, in simple packs
No subscription, no setup fee, no sales call. Buy a pack with a card and start inviting applicants the same day. Every price includes GST.
A$100
500 assessments
20 cents each. Your first 500, while you test it on real applications.
Claim a launch placeEvery pack includes
- Affordability report and every risk signal
- Transaction categorisation by Moroku Enrich
- Credit-file PDF for the loan record
- Re-runs on the same applicant free for 90 days
- Credits never expire
- Ongoing monitoring after settlement, A$1 per applicant per month
Questions lenders ask
Do we need to be accredited under the Consumer Data Right?
No. Consented data reaches Moroku Signals through openfeed, an accredited recipient, so you can start without an accreditation project of your own.
Which loans does it cover?
Home loans at launch. Personal and car loan checks follow, then business lending.
Can we use our own policy settings?
Yes. Thresholds, assessment buffers, income shading and your expense benchmark table are all set per workspace.
Can it plug into our origination system?
Use the workspace from day one. A REST API and webhooks follow for lenders who want assessments inside their own systems.
Be one of the first lenders on Moroku Signals
We're opening to a small group of lenders first. The first 10 get launch pricing: 500 assessments for A$100. Leave your details and we'll be in touch.
Launch offer: 500 assessments for A$100
Open to the first 10 lenders. Tell us about your lending and we'll set up your workspace.