AIMEE - A new digital property product supporting legal and mediation services with mutual commitment payments

AIMEE - 一种新的数字财产产品，支持相互承诺付款的法律和调解服务

• 批准号: 10051734
• 金额: $ 25.42万
• 依托单位: HOUSECURE LIMITED
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2023
• 资助国家: 英国
• 起止时间: 2023 至 无数据
• 项目状态: 未结题
• 来源: https://gtr.ukri.org/projects?ref=10051734
• 关键词: AIMEE; new; digital; property; product

**PROBLEM**:High residential property transaction failure rates result in sunk costs, significant wasted legal time and poor user experiences.**OVERVIEW**:Despite the importance of the housing market to both the economy and society, the process of buying and selling a home is confusing, disjointed, and incredibly stressful. Over 1 in 4 house sales fall through after an offer has been accepted. The market has become characterised by bad practices, such as gazumping and gazundering or making offers on multiple properties, stacking the odds against first-time buyers (FTBs) and inexperienced sellers. This crucial system is broken with recent government reports concluding that there is no current solution.Buying a home is the most significant financial commitment most people make in their lifetimes. Notwithstanding adverts from building societies, house purchases are fraught with risk for both buyers and sellers. This is due to a curious anomaly in that, unlike most 'domestic' or commercial transactions, there is no legal commitment on parties to complete after an offer has been accepted. For various reasons over 400,000 transactions fail annually in England and Wales in the 12-14 weeks between offer acceptance and completion with £1.08billion sunk costs lost. On average buyers and sellers each personally stand to lose £2,727\.**INNOVATION**:AIMEE (AI Mediation Enhancing Engine and financial compensation solution) is a self-learning, automated mediation and financial compensation solution that will reduce transaction failures improving effectiveness. The solution is initially aimed at first-time home buyers in England and Wales.AIMEE solves distrust and improves commitment. It does this by:1. Requiring buyers and sellers to make commitment deposits which are refundable on successful completion2. Having a simple effective system to resolve disputesThis combination will reduce the number of transaction failures and consequent personal financial loss. In the event of a transaction failing a mediator will arbitrate to allocate the combined deposits between the parties.At present, mediation isn't a viable option due to high fees compared to the amounts disputed. By creating an AI mediation service it provides an effective, efficient and economical digital service creating a new market and increasing awareness of professional mediation services.AIMEE will be delivered by Housecure, a PropTech start-up with the requisite skills/experience needed to ensure the project is successful, including AI development and mediation/project/financial/risk management. We are initially targeting the property sector and, in particular, first-time buyers. However, AIMEE is also applicable to other markets where mediation is needed.

** 问题 **：住宅物业交易失败率高导致沉没成本、大量浪费的法律的时间和糟糕的用户体验。**概述 **：尽管房地产市场对经济和社会都很重要，但买卖房屋的过程令人困惑，脱节，压力巨大。超过四分之一的房屋销售在报价被接受后失败。该市场已成为不良做法的特点，例如gazumping和gazundering或对多个房产进行报价，对首次购房者（FTB）和缺乏经验的卖家进行投机。最近的政府报告得出结论说，目前没有解决方案，这一关键系统被打破了。买房是大多数人一生中最重要的财务承诺。尽管有建房互助协会的广告，但购房对买卖双方来说都充满了风险。这是由于一个奇怪的反常现象，与大多数“国内”或商业交易不同，在要约被接受后，当事人没有法律的承诺。由于各种原因，英格兰和威尔士每年有超过40万笔交易在接受要约和完成要约之间的12-14周内失败，损失了10.8亿英镑的沉没成本。平均而言，买家和卖家每个人都将损失2，727英镑。创新 **：AI中介增强引擎和财务补偿解决方案（AI Mediation Enhancing Engine and Financial Compensation Solution）是一种自学习、自动化的中介和财务补偿解决方案，可减少交易失败，提高效率。该解决方案最初是针对英格兰和威尔士的首次购房者。AILLET解决了不信任并提高了承诺。它通过以下方式做到这一点：1.规定买卖双方须缴付承诺按金，并于成功完成交易后退还2。有一个简单有效的系统来解决争议这种组合将减少交易失败的数量和随之而来的个人经济损失。如果交易失败，调解员将仲裁双方之间的合并存款的分配。目前，调解是不可行的选择，由于高费用相比，有争议的金额。通过创建人工智能调解服务，它提供了一个有效的，高效的和经济的数字服务，创造了一个新的市场，并提高了对专业调解服务的认识。人工智能将由Housecure提供，Housecure是一家PropTech初创公司，拥有确保项目成功所需的必要技能/经验，包括人工智能开发和调解/项目/财务/风险管理。我们最初的目标是房地产行业，特别是首次购房者。然而，《仲裁规则》也适用于其他需要调解的市场。