Built to help mutuals compete with the majors, on a fraction of the budget.
We build AI applications for customer-owned banks and mutuals, calibrated to APRA, ASIC and AUSTRAC, and to the reality of competing with the big four without their resources.
What shapes your sector
Across every sector
What you’re up against
The pressures we’re building around.
Scale disadvantage
You carry much of the same regulatory and technology load as a major bank, spread across a fraction of the balance sheet.
Prudential and conduct cost
APRA’s operational resilience and information security standards, AUSTRAC’s AML and CTF obligations and the Banking Code all demand attention and evidence.
Margin and expectation
Net interest margins and cost-to-income ratios leave little room, while members expect the digital experience of a major.
Consolidation
A sector that keeps merging. Knowing where you stand and where the strategy leads matters more every year.
What we’re building
Applications calibrated to how you actually run.
None of this is live yet. This is what we’re building towards.
Competitive and market intelligence
See what the majors and neobanks are doing, read in your terms and your context.
Governance, risk and compliance
Prudential and conduct obligations mapped and kept current, with regulatory change translated into action.
Analytics and benchmarking
How you sit against peer mutuals, on the measures that decide viability.
Board and executive intelligence
Decision-ready briefings on strategy and risk in a consolidating sector, prepared before the meeting.
For everyone who carries it
What it means across your organisation.
Governs on evidence
A current read on prudential risk, strategy and member value, so the board oversees from current evidence.
Ahead of the change
Regulatory change managed, competitive moves understood, cost decisions made with the numbers already run.
More from less
The capability to do more with a lean team, and genuine AI skills built on the job.
Why it’s for you
Built on the prudential world.
We’re building it on APRA’s prudential and operational standards, ASIC’s conduct obligations, AUSTRAC’s AML and CTF regime and the Banking Code, so the answer is true to how a regulated mutual actually operates.
Get involved
Help shape what we build for mutuals.
We’re building this with a small group of customer-owned banks who want a say in what gets made. Tell us what you are working on and we will reply within one business day.