Growing Prosperity through Financial Inclusion: “FinBridge” - Fintech Data to Bridge the Trust-Gap between Mainstream Financial Service Providers and Diaspora Communities in the UK and other Financially Underserved Minorities

通过金融包容性促进繁荣：“FinBridge” - 金融科技数据弥合主流金融服务提供商与英国侨民社区和其他金融服务不足的少数群体之间的信任差距

• 批准号: 10095550
• 金额: $ 23.24万
• 依托单位: MONEYMATIX 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=10095550
• 关键词: Growing; Prosperity; through; Financial; Inclusion

The problem of financial exclusion is recognised by the government and increasingly reflected in the regulatory requirements for banks and other financial service providers to provide financial services for all, for example the FCA's "Consumer Duty". Financial-exclusion creates low-resilience, damaging the UK economy through stunting entrepreneurism, and increasing unemployment, social-security and healthcare costs. It blights the lives of millions of UK citizens through exclusion from financial-services (causing e.g. excessive payments on car-breakdown loans, or inability to access appropriate skills-training loans). Factors sustaining financial-exclusion Include lack of credit-history and cultural aspects.MoneyMatix will provide a fintech-bridge that closes the information-gap between financially-excluded individuals and financial service providers, thereby enabling users to benefit from the wide portfolio and economies-of-scale of mainstream financial service providers.The venture not only improves the wellbeing of individuals, it also benefits the UK economy, including:* enabling the use of appropriate loans for career-skills training, thereby increasing UK productivity, allowing access to improved salaries and creating new HMRC income-tax revenues* creating new jobs, 260 fintech posts* growth in UK tax revenues from increased employment and productivity* strengthening the UK's globally-leading fintech sectorRegionally it strengthens Scotland's fintech sector.The venture is supported by volunteer expert advisors including from leading charities and from financial service-providers.

金融排斥问题得到了政府的承认，并越来越多地反映在对银行和其他金融服务提供商的监管要求中，即为所有人提供金融服务，例如FCA的“消费者责任”。金融排斥造成了低弹性，通过阻碍经济增长、增加失业、社会保障和医疗成本损害了英国经济。它通过被排除在金融服务之外（导致例如汽车故障贷款的过度支付，或无法获得适当的技能培训贷款），破坏了数百万英国公民的生活。金融排斥的持续因素包括缺乏信用历史和文化方面。MoneyMatix将提供一个金融科技桥梁，弥合金融排斥个人和金融服务提供商之间的信息鸿沟，从而使用户能够从主流金融服务提供商的广泛投资组合和规模经济中受益。该合资企业不仅改善了个人的福祉，也有利于英国经济，包括：* 允许使用适当的贷款进行职业技能培训，从而提高英国的生产力，允许获得更高的工资，并创造新的HMRC所得税收入 * 创造新的就业机会，260个金融科技职位 * 就业和生产力增加带来的英国税收增长 * 加强了英国的全球-领先的金融科技行业从区域上看，它加强了苏格兰的金融科技行业。该合资企业得到了志愿者专家顾问的支持，包括来自领先慈善机构和金融服务提供商的专家顾问。