Top 3 occupations of customers: Banking, accounting, and finance; IT; Retail and wholesale Customers rate the Mox app positively. It is Hong Kong's highest-rated and most-reviewed virtual bank in the App Store We call our customers Generation Mox. They are a creative, curious and connected tribe. Generation Mox is not about age or digital savviness; it is a mindset for more possibilities. We believe banking should be simple, intuitive and delightful Deniz Güven, CEO, Mox Innovative and inclusive banking experience Mox identified more than 80 different pain points during the research, but one in particular stood out: many participants had seen traditional banks providing better services to those customers based on how much money they have or deposit in the bank. In other words, banks tend to focus only on affluent customers.