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 ** 虽然金融科技行业蓬勃发展，但大多数女性选择坐在投资副业上。大约13%的女性持有伊萨股票账户，只有7%的女性持有其他投资（不包括住房投资）[YouGov，2018]。这比在英国投资的男性少50%，导致1.65万亿英镑的性别差距[Investcentre，2021]。这种性别差距在族裔群体中甚至更大。与白色女性相比，有色人种女性没有退休投资或储蓄的可能性几乎是白人女性的两倍。作为一家企业，我们的动机是赋予服务不足，往往被忽视的女性社区权力，让她们能够控制自己的财务事务，并积极参与储蓄和投资，为自己和家人的未来。**愿景/解决方案 ** 财务控制是一个复杂的过程，需要（附录3）：1.触发器（刺激金融行为的事件，如与朋友的对话）2.教育（学习这个新世界）3。增强权能（增强对金融的信心）4.比较（比较所有可用的选项）5.选择（选择最合适的）6.采取行动（财务控制的最后阶段）作为一家企业，我们提供端到端解决方案，帮助用户从教育到采取行动。这项赠款的重点是提供低成本和高影响力的数字服务，帮助妇女采取行动。这一阶段往往被金融业所忽视，但我们金融界的500名女性成员将这一步描述为最困难和最令人沮丧的一步。复杂的术语，恐惧，怀疑，多个阶段导航，糟糕的UX设计，以及更多的问题，阻碍了进展。往往到了女性无法执行财务决策的地步。我们已经通过室内手把手的研讨会克服了这些问题，我们相信我们可以将其转化为数字产品，以帮助全国更多的女性。主要目标 *** 创建第一个低成本的“采取行动”数字服务，目标是那些负担不起财务规划的人 * 1 000名采取财务行动的妇女（所有技术的数字组合）包括50% BAME* 创建一个活跃的女性社区，3000名成员，并超越谈论金融 * 创建一个新的工作角色，作为一个“金融行动专家”，恭维财务顾问 * 关于帮助妇女克服行动恐惧的方法的第一个重要数据集 * 最终有助于缩小经济性别差距