The future of local banking services and access to cash

whitePaper | April 6, 2023

Environmental, social and governance (ESG) issues have risen up the agenda for corporate banks, which are unanimous in their intentions to meet stricter regulatory guidance, satisfy the appetite from investors for greener products, and attract employees who increasingly want to see the demonstration of ‘purpose’ from their employers.

whitePaper | May 6, 2022

Globalization and digitization were transforming the way we work even before the global COVID-19 pandemic, but going forward, flexible hybrid workspaces will be the norm. With that comes the expectation of equity and inclusiveness for employees, and more personalized, meaningful experiences for customers.

whitePaper | June 14, 2023

The capital markets have not really benefitted from any tailwinds recently: Inflation rose and is not yet close to being stabilized; global interest rates jumped dramatically; there is slower growth, and geopolitical tensions seem to keep getting worse, among other headwinds.

whitePaper | September 12, 2022

Moroku Odyssey is a user experience orchestration and engagement platform for financial services companies. As Fintech changes the industry, customer engagement through unique experiences is a critical battleground. Moroku Odyssey, helps banks and FinTechs provide unique and compelling experiences to attract and engage customers around a telos of wellness, architected around game.

whitePaper | March 15, 2022

The speeds at which today’s AI technology is advancing is far beyond what many have expected. The role of human decision-making is being eclipsed by computer and machine learning in almost every industry. We see it in autonomous cars and trucks as well as in actual robots pre-programmed to take on tasks once thought to be reserved for humans alone. Ralph Haupter, President of Microsoft Asia and Corporate Vice President, Microsoft stated the following: “I believe 2018 is the year that this will start to become mainstream, to begin to impact many aspects of our lives in a truly ubiquitous and meaningful way” There is no uncertainty in the fact that AI is progressing at the speed of light. It is yet to be seen how this will impact industry on a global industrial level but the applications to payments have not been insignificant in the past several years. This paper seeks to explore the intricacies of this technology, its evolution, and the potential impact of AI in payments in 2018 and beyond.

whitePaper | July 29, 2022

Would you like to be able to aggregate your data across your bank accounts? Enable your tax accountant to see your financial information? Enable the App of your choice to make a payment on your behalf? Or perhaps you would like to enable your residents or customers to perform these tasks in a low cost, secure and interoperable way? There is a global movement towards “Open Banking/Open Data” the paradigm shift where a user authorizes the release of their data from one entity (a data holder like a bank) to an entity where they would like it to go (a relying party like a FinTech). This is also known as “user-consent based data sharing.” Although this movement started with banking use cases and gaining access to data held by banks, it is now expanding to a range of other verticals including brokerage and mutual fund services, insurance, telecommunications, utilities, health and more.