We are moroku

As the aging population leaves governments and their people around the world struggling to implement actionable strategies for financial literacy, the banking industry's drive to implement digital customer service solutions risks dehumanising the banking experience and removing historical risk management systems. Moroku applies decades of motivational & game theory along with agile customer design approaches to create digital banking experiences that reinvigorate the experience, take customers on a journey of financial destiny creation, whilst creating greater customer insight. All of our solutions are deployed on the world's leading cloud platform enabling our banking customers to compete at speeds, scale and economies unheard of even 5 years ago. If you are a bank and want to innovate at the edge of the curve to drive customer action, please let us show you what we can do.


Banking is a complex and competitive business. In retail, success is dependent on getting customers to open transaction, savings and loan accounts and then use them in the manner they were designed. This is predicated on people paying attention to their finances and taking action. The raw truth is that they dont


They don't pay attention because its largely a very unrewarding experience. We log on to internet banking, we see how little money and how many bills we have. We feel bad and resent logging in again, just to give someone else our hard earned cash


Rather than focusing on making banking Easy to Use, we say make it Fun to Use. Make it rewarding in the moment so people are encouraged and motivated to log in and do the right thing; save for the future and get the debt under control

Full Service

Moroku provides a complete solution for banks, delivering fun to use mobile applications, run as a service and that are connected real time to banking payment systems. The process is fast and iterative, enabling banks to deploy ahead of their competition and learn

Moroku Blog

Thoughts and commentary from the front of digital banking and payments

Trying to get people to pay attention to stuff that’s boring?

Air New Zealand nail it again by making it fun

5 Nov, 2014 Colin Weir

Mobile Apps – The Short Course

On Sunday afternoon I had a sundowner at our local micro-brewery. “Sundowner” is local speak for a couple of beers as the sun goes down. I was invited out to meet with some small business owners and talk to mobile app best practices. At the end of the Sundowner I was asked if there was […]

4 Nov, 2014 Colin Weir

Is Human Centered Design for you?

There’s a good flow chart here from some work by the Consultative Group to Assist the Poor (CGAP) The report looks into mobile money and other attempts to assist financial inclusion, primarily in the developed world. It concludes that without building an ecosystem around the needs of the customer, innovative concepts will fail.     […]

29 Oct, 2014 Colin Weir