ESGFintech100 Recognised

Differentiate on ESG.
Build for a Durable Planet.

Banks hold more behavioural data than TikTok, Netflix, or Amazon, yet fail to use it. Moroku helps you turn transaction data into sustainability insights that engage customers, build loyalty, and drive genuine environmental and social impact.

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57%
of emissions linked to purchase decisions
73%
of consumers want to reduce impact
3M
Australians financially excluded
12 weeks
Sustainability Accelerator

The ESG Opportunity is Hiding in Plain Sight

How we eat, dress, and move has a massive impact on our planet, and this data already lives in your payments systems. What’s missing is an engaging way to present it to customers and drive real behaviour change.

There’s a significant intention-action gap: 73% of consumers want to change their habits, but don’t know how. Banks are uniquely positioned to bridge this gap with data, nudges, and game mechanics.

  •  

    Transaction Intelligence

    Every purchase tells a sustainability story; food, transport, energy, fashion

  •  

    Collective Impact

    Show customers how individual choices add up to community-wide change

  •  

    Game Mechanics

    Bridge the intention-action gap with rewards, nudges, and progress tracking

You Already Have The Data

12.7 tonnes CO2 per person annually

57% of emissions are linked to purchase decisions tracked in your payment systems

Food & Dining
Transport & Fuel
Fashion & Retail
Energy & Utilities
The Three Pillars

ESG: More Than Just Environment

Sustainability spans environment, social responsibility, and governance. Banks have the data and reach to impact all three pillars, and differentiate on purpose.

E

Environment

Turn transaction data into carbon footprint insights. Help customers understand and reduce the environmental impact of their spending.

  • Carbon tracking per transaction
  • Sustainable alternatives
  • Collective impact dashboards
S

Social

Address financial inclusion and wellbeing. Help customers build financial resilience through better habits and skills.

  • Financial wellness tools
  • Inclusion for underbanked
  • Community participation
G

Governance

Build trust through transparency and ethical practices. Show customers how your bank operates responsibly.

  • Transparent disclosures
  • Ethical investment options
  • Responsible lending
ESG Fintech 100 2024

Globally Recognised for ESG Innovation

Moroku was included in the prestigious ESGFintech100 following success in the 2024 Isle of Man Innovation Challenge with Lloyds Bank on financial inclusion. This validates our work embedding sustainability deep within digital banking.

12-Week Sustainability Accelerator

Moroku On-Ramp is a proven design sprint adapted for sustainability. Research, explore, ideate, and test the potential for game and digital to positively impact your ESG stance—with real customers.

  • Establish a sustainability hypothesis
  • Validate with real market cohorts
  • Create game-based digital experiences
  • Impact customer beliefs and habits
  • Limited to one participant per country
Apply for the Accelerator

6 Phases, 12 Weeks

1
Discovery
2
Hypothesis
3
Validation
4
Ideation
5
Prototype
6
Testing
2 weeks per phase
Game method tuned for financial services
Resources

Build Your Durable Roadmap

Explore our research, methodology, and recognition in sustainable banking.

Whitepaper
 

The Odyssey to Banking Sustainability

Deep dive into how banks can leverage transaction data and game mechanics to drive sustainable customer behaviours. Developed with the Royal College of Art.

Read the whitepaper
Program
 

Sustainability Accelerator

Our 12-week design sprint helps financial institutions research, explore, and test game-oriented sustainability applications with real customers.

Learn about the program
Recognition
 

ESGFintech100 Recognition

Moroku’s inclusion in the global ESGFintech100 recognises our commitment to financial inclusion and sustainability innovation with Lloyds Bank.

Read the announcement

Build Banking Products for a Durable Planet

Differentiate on ESG. Turn transaction data into sustainability insights. Help customers thrive financially while protecting the planet.

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