Early warning financial risk system to help Midlands-based manufacturing SMEs navigate economic turmoil

金融风险预警系统帮助中部制造业中小企业应对经济动荡

• 批准号: 10081620
• 金额: $ 44.48万
• 依托单位: ELEMENTARY B LTD
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2024
• 资助国家: 英国
• 起止时间: 2024 至 无数据
• 项目状态: 未结题
• 来源: https://gtr.ukri.org/projects?ref=10081620
• 关键词: Early; warning; financial; risk; system

A lack of information, digitisation and access to the right financial planning/banking solutions costs UK SMEs £16B/year in lost manual financial management and overpaying banking fees (ACCA,2022; McKinsey,2021). Now more than ever, SMEs are affected by a lack of tools for making effective financial plans (PWC2023) and closing shop at unprecedented rates due to the constant flux of global economic events impacting every aspect of their businesses. 25% are not expected to survive the year, creating economic losses of £500B in turnover and 2.8M jobs (ACCA,2022). For UK manufacturing, responsible for £400.8bn/sales, 51%/UK's-total-exports and 64%/UK R&D spend (MAKE2023), economic uncertainty is even more disproportionately impacting due to dependencies on global supply chains for the sourcing of raw materials fundamental to their productivity.Acting as an early warning system, Elementaryb's affordable, plug & play sherloc platform notifies SME finance directors when a macroeconomic or geopolitical shift poses a risk to their financial plans in order to mitigate risk and reduce financial loss arising out of direct and indirect dependencies to global economic, supply, climate and political events. Sherloc uses artificial intelligence and leverages data standards to help SMEs plan, and monitors global activity impacting their landscape in real-time. When changes are detected, sherloc provides the intelligence, data and expertise needed using natural language processing and a graphical user-friendly interface for SMEs to proactively action, increasing profitability and survival of UK SMEs.Elementaryb are seeking grant funding for an industrial research project to implement sherloc in 20 West Midlands-based SMEs and drive the innovation within an industry vertical (manufacturing) and sub-vertical (£5m-10m/turnover/food & beverage sub-sector) through to TRL9 that can be scaled across wider manufacturing and processing hubs in the UK and Commonwealth due to shared data standards and sensitives. The Midlands was chosen as it accounts for over 25% of England's manufacturing workforce (MEP2021) and has been unable to recover post pandemic due to the difficult macro-economic conditions and dependencies on climate change, supply chains and changing customer demands (LSE2022).

由于缺乏信息、数字化和获得正确的财务规划/银行解决方案，英国中小企业每年损失16B GB的人工财务管理，并支付过高的银行费用(ACCA，2022；麦肯锡，2021)。现在，中小企业比以往任何时候都更受缺乏制定有效财务计划的工具的影响(PWC2023)，由于影响其业务方方面面的全球经济事件的不断变化，中小企业以前所未有的速度倒闭。25%的人预计不会活过这一年，这将造成500B GB的营业额和280万个工作岗位的经济损失(ACCA，2022)。对于英国制造业，负责4008亿GB/销售额，51%/英国出口总额和/英国研发支出(MAKE2023)，经济不确定性的影响甚至更不成比例，因为他们依赖全球供应链来采购对其生产力至关重要的原材料。作为一个早期预警系统，Elementaryb负担得起的即插即用的SHERLOC平台在宏观经济或地缘政治变化对其财务计划构成风险时通知中小企业财务总监，以降低因直接和间接依赖全球经济、供应、气候和政治事件而产生的风险和财务损失。SHERLOC使用人工智能和利用数据标准来帮助中小企业进行规划，并实时监控影响其格局的全球活动。当检测到变化时，SHERLOC为中小企业提供所需的情报、数据和专业知识，使用自然语言处理和图形用户友好的界面，以主动采取行动，提高英国中小企业的盈利能力和生存能力。Elementaryb正在为一个工业研究项目寻求赠款资金，该项目将在20家总部位于西米德兰兹郡的中小企业实施SHERLOC，并推动垂直行业(制造业)和次垂直行业(GB 5M-10M/营业额/食品和饮料子行业)到TRL9的创新，由于共享的数据标准和敏感性，TRL9可以在英国和英联邦更广泛的制造和加工中心进行扩展。中部地区之所以被选中，是因为它占英格兰制造业劳动力的25%以上(MEP2021)，并且由于困难的宏观经济条件以及对气候变化、供应链和不断变化的客户需求的依赖，一直无法在疫情后恢复(LSE2022)。