Welcome to Season 2

Today we talk about the Asutralian lendiong market and how challengers can compete

With ChatGPT all the rage, and customers getting lost in Social Media, engagement strategies more than ever must have an omnichannel narrative. Engaging customers across digital channels (chat, social media, video, mobile , web etc) and non-digital channels (contact centre and branch) is the work of the day, as it always has been. The Odyssey UX is increasingly well understood for mobile and internet banking with a range of use cases across children, wealth management and lending amongst others. In mobile and internet banking the UX can be heavily influenced by the UI, and is more apparent. There is less reference with other digital channels , ChatBots, ATMs and Social Media, or assisted channels, where there is little or little control over the UI, so the UX has to be more inherent, more implicit. Yet here the opportunities for Odyssey are equally as exciting.

Financial wellness, like physical wellness, comes from stacking a series of good habits which, like interest, compound to achieve better outcomes. Behavioural science has illuminated the frameworks for building habits. These have been baked into Moroku Odyssey and its counterpart design methodology, On-Ramp, to establish digital financial experiences that create positive financial habits and through those, action and financial wellness. Without these, financial goals are of limited value, made up fantasies, routinely resulting in failure.

What we can learn from Spotify's business model, technology stack, design and build processes

Today’s subject is Dutch Philosopher Baruch Spinoza, the delusion of free will and their joint impact on experience design. We'll discuss why do we do, what we do. Do we use logic and our cognitive prowess, or do we ignore these superpowers in deference to other needs? Understanding the way our minds work and our decision-making process is important for designing customer experiences, especially if we are doing so in a decision making environment, such as digital financial services.

Players play games for a host of different reasons. Understanding these needs help make the game rewarding for a broader range of users. This range can also be adapted to support and fast track the need within financial services to guide users through the advice dilemma and align risk appetite and skill to the right financial instrument. Moroku Odyssey combines decades of personality profiling research and risk appetite into player archetypes for use within the design process as well as the platform for initial and ongoing player archetype profiling and benchmarking

Banks have traditionally been very good at engaging customers when they lose.
For decades banks have been posting letters to customers notifying them of all the fail states: Overdraft notices, missed payments, failed FICO and credit scores.Whilst keeping these fine systems in place, there is a significant opportunity to swing the engagement index in favour of customer success.

Moroku Odyssey is a user experience orchestration and engagement platform for financial services companies to deliver digital with reward and award. 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.