How good is Australia at banking?• Only 32% of us will retire comfortably• We owe $32 billion on credit cards – paying on average

$700 on interest alone

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FUN We are hard wired for fun We rarely succeed in anything unless we’re having fun Fun can come in many forms:

Winning Problem Solving Exploring Chilling Teamwork Recognition Triumphing Collecting Surprise Imagination Sharing Customisation Social

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WHAT DOES MOROKU DO?

We employ decades of psychology, behavioural economics, motivational theory and game design to create rewarding , engaging banking experiences

We have a platform – that allows Us to build and deploy fun mobile and internet banking applications

We have a process – A design methodology that places the customer at the heart of the innovation cycle

We need to place financial literacy at the heart of our millennial banking strategies

The apps must be:MobileFunSocially Connected