Prevention and self-management of debt for positive mental wellbeing

我们在2019年开始了我们的Inicio之旅，当时我们发现评估债务客户负担能力的过程被打破，并对人们的生活，心理健康，人际关系造成了巨大的损害，他们的生活前景。我们开始了解负债生活的真实感受，这促使我们为企业提供更好的解决方案，以便在债务问题上吸引客户通过使用最先进的对话人工智能来循环。这种解决方案现在在B2B市场上越来越受欢迎，但我们希望走得更远，通过帮助他们自我管理自己的处境，防止他们陷入更深的债务和管理的心理健康影响之前，债权人开始使事情变得更糟。这个项目是创造一个亲，主动对话AI代理，债务人可以与之互动，帮助他们在企业指导他们完成表格之前自我管理他们的旅程，大大减少与多个债权人互动的压力和发生的心理健康问题。通过创建一个工作原型，我们可以向资助者证明，自我驱动的消费者系统在技术上是可行的，并寻求将解决方案推向市场所需的更大资金。债务是一种日益严重的生活方式疾病，在大流行期间，有250万人因债务而考虑自杀。随着生活成本危机的影响，越来越多的家庭发现自己负债累累，更常见的是没有资格获得福利，他们需要在债务周期的早期阶段缺乏的支持。只有通过投资这样的新技术，我们才有希望在未来几年支持数百万面临债务对心理健康影响的人。

We started our journey as Inicio in 2019 when we identified that the process of assessing affordability for customers in debt was broken and causes massive damage to people's lives, their mental health, their relationships, their life prospects.We set out to understand what it really feels like to live with debt and it drove us to deliver a better solution for businesses to engage their customers at that point of the debt cycle by using cutting-edge conversation AI. That solution is now gaining traction in the B2B market, but we want to go further, and fulfil our potential to transform the lives of people in debt, by helping them to self-manage their situation, prevent them from getting deeper into debt and manage the mental health impacts before creditors start to make things worse.This project is to create a prototype of a pro-active conversational AI agent that people in debt can interact with to help them self-manage their journey before a business directs them to complete the form, massively reducing the stress of interacting with multiple creditors and the mental health issues that occur. By creating a working prototype we can evidence to funders that a self-driven consumer system is technically viable and seek the larger funding required to take the solution to market.Debt is a growing lifestyle disease with 2.5 million people having considered committing suicide due to their debts during the pandemic. As the cost of living crisis bites, more and more families are finding themselves in debt, more commonly without eligibility for benefits, and they need support which is lacking at the early stages of the debt cycle. Only by investing in new technology like this can we hope to support the millions of people facing the impact of debt on their mental health in the coming years.