Karri – eliminating all payment and communication friction in the education and youth payments ecosystem

Karri — 消除教育和青少年支付生态系统中的所有支付和通信摩擦

• 批准号: 10034909
• 金额: $ 44.59万
• 依托单位: D. R. HOLDINGS LTD
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2022
• 资助国家: 英国
• 起止时间: 2022 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=10034909
• 关键词: Karri; eliminating; payment; communication; friction

Karri currently offers schools a payment collections app designed to communicate and receive payments digitally. Schools are able to send a "collection" request for payment relating to education-related expenses, such as extra murals, stationery, textbooks, uniform, sporting activities, tours, outings, camps and examinations/assessments. Conversely, parents are saved the time and cost of frequent manual withdrawals/payments.Karri aims to simplify collections and enhance financial health in education and youth market segments.In this project, Karri is developing an innovative prepaid card and mobile app designed to elevate financial health in the education and youth-spending spaces. The new Karri App will utilise a digital wallet's functionality by attaching a prepaid card to a parent's digital wallet. The Karri Card will provide significant benefits to parents, children and, further, educational institutions. It will allow a child, under parental controls, to spend at multiple third-party merchants and at their school, supporting a child's financial independence. Parents will be able to set spend limits at merchant-type level, with variability down to the day-of-the-week or time-of-the-year. This will dramatically increase transparency/tracking of costs for parents and provide a budgeting tool. The Karri Card will be made secure and highly customisable through card controlled spending functions, limiting attack vectors on card payments, and eliminating cash fraud. Consequently, this will lead to increased efficiency and cost-savings in managing cash amongst families and within schools through the elimination of cash handling and storage and associated administration.There are 32,000 UK schools with ~10m pupils \[BESA,2021\], ~2,250 of these are fee-paying \[UKGov,2019\]. Karri will help to support children in setting good money habits and, more broadly, can support financial wellness in the next-generation of banking customers. Karri offers easier and lower administrative costs of cash, saving schools and parents precious time.Pre-ordering school dinners could be utilised to cut food waste costs considerably. Healthier food choices through parental oversight will help combat childhood obesity and support allergens control (Natasha's Law). Individuals, particularly disabled children, can avoid carrying cash. Increased cyber-bullying globally \[Comparitech,2022\] highlights the need for these tools.

Karri目前为学校提供了一个付款收款应用程序，旨在以数字方式进行通信和接收付款。学校可以发出“收款”请求，要求支付与教育有关的费用，如额外的壁画、文具、课本、制服、体育活动、图尔斯、郊游、露营和考试/评估。Karri致力于简化收款流程，提高教育和青少年细分市场的财务健康水平。在这个项目中，Karri正在开发一款创新的预付卡和移动的应用程序，旨在提高教育和青少年消费领域的财务健康水平。新的Karri应用程序将通过将预付卡附加到父母的数字钱包来利用数字钱包的功能。卡里卡将为家长、孩子以及教育机构提供巨大的好处。它将允许孩子在父母的控制下，在多个第三方商家和他们的学校消费，支持孩子的经济独立。父母将能够在商人类型的水平设置支出限制，可变性下降到一周中的一天或一年中的某个时间。这将大大提高透明度/跟踪家长的费用，并提供一个预算工具。Karri Card将通过卡控制的支出功能，限制卡支付的攻击媒介，并消除现金欺诈，使其安全且高度可定制。因此，通过消除现金处理和存储以及相关管理，这将提高家庭和学校内部管理现金的效率和成本节约。英国有32，000所学校，约有1000万学生\[BESA，2021\]，其中约2，250所是付费的\[UKGov，2019\]。Karri将帮助孩子们养成良好的理财习惯，更广泛地说，可以帮助下一代银行客户实现财务健康。Karri提供更简单、更低的现金管理成本，为学校和家长节省了宝贵的时间。可以利用提前订购学校晚餐来大幅减少食物浪费成本。通过父母的监督选择更健康的食物将有助于对抗儿童肥胖和支持过敏原控制（娜塔莎定律）。个人，特别是残疾儿童，可以避免携带现金。全球网络欺凌的增加凸显了对这些工具的需求。