Helping women take action: Introducing a new service that will help women take financial action

帮助女性采取行动：推出一项新服务，帮助女性采取财务行动

• 批准号: 10060718
• 金额: $ 25.47万
• 依托单位: WINVEST COLLECTIVE LTD
• 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=10060718
• 关键词: Helping; women; take; action; Introducing

**Motivation**Though the fintech industry is booming, most women choose to sit on the investment sideline. About 13% of women hold an ISA shares account, and only 7% of women hold other investments (excluding housing investments) \[YouGov, 2018\]. This is about 50% less than men who invest in the U.K., resulting in a £1.65 trillion gender gap \[Investcentre, 2021\]. This gender gap is even larger in ethnic groups. Women of colour are almost twice as likely to have no investment or savings for retirement, compared to white women.As a business, our motivation is to empower the underserved, often neglected, female community to take control of their financial affairs and actively engage in saving & investment for their and their families future.**Vision / Solution**Taking financial control is a complex journey requiring (Appendix 3):1. Trigger (an event to stimulate financial action such as a conversation with a friend)2. Education (learning about this new world)3. Empowerment (boosting confidence in finance)4. Comparison (comparing all the options available)5. Choice (choosing most appropriate)6. Taking action (the final stage to financial control)As a business, we provide an end-to-end solution that helps users from education to taking action. The focus of this grant is to produce low-cost and high-impact digital service that helps women take-action. Too often is this stage overlooked by the financial industry yet our 500 female members of our financial community describe this step as the most difficult and frustrating. Complex terminology, fear, doubt, multiple stages to navigate, poor UX design, and many more issues, halt progress. Often to the point where women fail to execute a financial decision. We have managed to overcome these through in-the-room hand holding workshops that we believe we can translate into a digital offering to help more women nationwide.**Key Objectives*** To create the first low-cost "action taking" digital service that target people who can't afford financial planning* 1000 women taking financial action (combination of all techniques digitally) including 50% BAME* Create an active female community of 3000 members and beyond conversing about finance* Creating a new job role as a "financial action specialist" that compliments financial advisors* First significant dataset on methods to help women overcome fear of action* Ultimately help to narrow the financial gender gap

**动机**尽管金融科技行业正在蓬勃发展，但大多数女性选择坐在投资副业上。约13％的妇女持有ISA股票帐户，只有7％的妇女持有其他投资（不包括住房投资）\ [YouGov，2018 \]。这比在英国投资的男性低约50％，导致了1.65万亿英镑的性别差距\ [Investcentre，2021 \]。在种族中，这种性别差距更大。与白人妇女相比，有色女性几乎没有投资或储蓄的可能性几乎是一项企业。作为业务，我们的动机是赋予服务不足的，经常被忽视的女性社区能够控制自己的财务事务，并积极积极地为自己及其家人的未来储蓄和投资。触发（刺激与朋友对话之类的财务行动的事件）2。教育（了解这个新世界）3。授权（增强对财务的信心）4。比较（比较所有可用选项）5。选择（选择最合适的）6。采取行动（财务控制的最后阶段）作为企业，我们提供了一种端到端解决方案，可帮助用户从教育到采取行动。这笔赠款的重点是生产低成本和高影响力的数字服务，以帮助女性采取行动。金融业经常被这个阶段所忽视，但我们财务上的500名女性成员将这一步骤描述为最困难和最令人沮丧的步骤。复杂的术语，恐惧，怀疑，导航的多个阶段，不良的UX设计以及更多问题，停止了进展。通常是妇女无法执行财务决定的地步。我们设法通过室内手举办研讨会来克服这些工作，我们认为我们可以转化为数字产品，以帮助全国范围内更多女性。专家“称赞财务顾问*关于帮助妇女克服恐惧行动的方法的首个重要数据集*最终有助于缩小财务性别差距