aurora 1.0 HOW IT WORKS
aurora 1.1 THE REASON WHY Why aurora app #1 Because it serves as a VISA , allowing users to build a provable reputation through their personal TRUST SCORE , that can be shown in order to apply for a job or other opportunities. . #2 Because in a simple, intuitive and pedagogical way, it will make the whole group understand and follow better the day to day of all the financial movements. #3 Because, through gamification , the app will propose challenges that, once overcome, will be translated into incentives: training opportunities, work opportunities, discounts, credits, etc ... #4 Because it will facilitate and spark the scaling of the model.
#10.2 Expansion strategy: Technology / Trust score 1.2 BLOCKCHAIN
/ Thanks
Fintech and entrepreneurs: mapping Barcelona, April 4, 2019 Ewa Bańkowska , MFC
Microentrepreneurs as niche market for FinTech Not eligible for banks Banks’ products not adapted to small Need for flexibility
FinTech for MEs: financial services Bank account and payments P2P credit Working Capital loans P2P overdraft Growth street Insurance
FinTech for MEs: improving access to fin services Presenting the offer of financial services Alternative credit scoring International transfers
FinTech for MEs: financial health Day to day financial matters
Challenges and opportunities Challenges Opportunities • Digital exclusion • Open Banking • Cybersecurity • Adoption of fintech • Consumer solutions for better customer service confidence • Partnerships with fintechs to offer additional services – financial and non-financial
Thank you! Microfinance Centre Noakowskiego 10/38 00-666 Warsaw, Poland +48 22 622 34 65 microfinance@mfc.org.pl
FINTECH Solutions at Adie - Quick review on how fintech can improve user experience and help us reach migrants through clear and simple information - 2 different tools developed at Adie: - Customer’s area - Chatbot
Adie’s customer area Payment of an Identity of the client instalment Alert messages about delay in payment Possibility to ask for BDS, access information related to micro insurance Overview of all ongoing contracts loans
Customer’s Area Multi-services in one unique web page - Main objectives : Better guidance of Adie’s client to BDS and other offers - - Reduced time spent for basic credit management tasks - Main results : - 8k users per month (for 50k active clients) - 43% of our clients activated their user account - Most used service : credit card payment (mostly for unpaid installment)
ChatBot - Main objectives : - Reach more prospects - Reduce non-show (through clearer & better information) - Main benefits for our clients : - Personalized answers to his questions Better understanding of Adie’s process - - Results so far : - 9k unique users within 2 months - Provided 935 appointments with a loan officer The best way to make your opinion about it is to try it live! https://www.adie.org/
Stay in touch with us Want to know more ? : international@adie.org
(in case of internet problems)
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