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Making Banking Fun
• Average savings at retirement $130,000,
• Household debt at record levels: 18 months of annual income
• Australians owe a $48.9 billion in credit card debt
All of this depends on a business model shift
Apply for
Loan
Receive
Loan
Pay off
Loan
Bank definition of success
Customer definition of success
• Where do you place success?
• Where do your KPIs see success?
• Where do your team’s KPI’s see success?
Customer Centric – Liquidity Focussed
Product Centric – NII Focussed
Human Behaviour – Building Experiences to get people to Do
3billionhours
$30billion
Solution
• If ya can’t beat ‘em ..
• Pinch their ideas
• Make it Fun
• Make it Social
• A fun interface that is unconstrained by core
banking functional constraints
• Is educational and can be used to develop
financial literacy and financial wellness
• Is tangibly rewarding – to customers and
their communities, however you and they
wish to define these
• Is engaging and remains so by constantly
evolving
• Differentiated to customer segments
however you define these
• Targeted at growing acquisition and retention
• Moroku Delivers:
2016Gamification Inductee
You’re authorised to suggest making
apps
FUN to USE

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Making banking fun

  • 2. • Average savings at retirement $130,000, • Household debt at record levels: 18 months of annual income • Australians owe a $48.9 billion in credit card debt
  • 3. All of this depends on a business model shift Apply for Loan Receive Loan Pay off Loan Bank definition of success Customer definition of success • Where do you place success? • Where do your KPIs see success? • Where do your team’s KPI’s see success? Customer Centric – Liquidity Focussed Product Centric – NII Focussed
  • 4. Human Behaviour – Building Experiences to get people to Do
  • 5.
  • 7. Solution • If ya can’t beat ‘em .. • Pinch their ideas • Make it Fun • Make it Social • A fun interface that is unconstrained by core banking functional constraints • Is educational and can be used to develop financial literacy and financial wellness • Is tangibly rewarding – to customers and their communities, however you and they wish to define these • Is engaging and remains so by constantly evolving • Differentiated to customer segments however you define these • Targeted at growing acquisition and retention • Moroku Delivers:
  • 8. 2016Gamification Inductee You’re authorised to suggest making apps FUN to USE