Nickle proof of market

在全球范围内，20亿成年人，即世界成年人口的一半，无法获得正规的金融服务。此外，现有的金融产品不足以满足低收入阶层的需求。因此，数百万人不得不求助于非正式的储蓄和借贷方式，根据世界银行的数据，最常见的是有15亿人使用的借贷圈。借贷圈目前的运作效率低下：无数据收集（缺乏经验），现金处理（不安全）、地理限制、旅行费用、我们通过以应用程序的形式使贷款圈现代化来解决所有这些低效率问题，因此，还讨论了专门为小额贷款/小额储蓄设计的金融产品的必要性。简单地说，我们开发了“Whatsapp”用于储蓄。该应用程序的试用版已经开发，我们的市场证明项目的目标是：研究和确定英国最有可能使用该应用程序的社区和种族群体;进一步发展我们与FCA的关系。Nickle在其早期阶段就得到了创新中心的认可和帮助，我们将参与即将到来的监管沙箱计划。将此工具带给最终用户，以测试应用程序并向我们提供反馈，以便我们可以在找到市场适合之前纳入任何修订和附加功能（即我们已经充分满足了需求）。这项市场评估研究将帮助我们优化镍，并确定其背面的要求，终端系统，以满足英国（目前有900万人银行服务不足）和发展中国家（主要是墨西哥和印度）的小额贷款人/储蓄者的需求，这些国家的智能手机普及率很高。如果成功，这将打开一个潜在的全球大众市场，仅在这两个国家就有7亿没有银行账户的人，并有可能在拉丁美洲国家、美国、菲律宾和非洲推广这一概念。

Globally, 2 billion adults, half the world’s adult population, lack access to formal financialservices. Moreover, the financial products available are inadequate and deficient in addressingthe needs of lower income segments.Therefore, millions of people have to recur to informal ways of saving and borrowing, themost common being Lending Circles used by 1.5 billion people according to the World Bank.Lending Circles today operate with several inefficiencies: No data collection (lack of credithistory), Cash handling (insecurity), Geographical limitations, Cost of travel, (closingbusiness) Ardous bookkeeping.We addressed all these inefficiencies by modernising lending circles in the form of an appand, therefore, also addressed the need for a financial product specifically designed formicrolending/microsaving. To put it simply, we developed the “Whatsapp” for savings.A trial version of the app was developed, the objectives of our Proof-of-Market project are to:Research and identify communities and ethnic groups in the UK most likely to use the app;Further develop our relationship with the FCA. Nickle was accepted and aided by theInnovation Hub in its early stages and we will participate in the upcoming regulatory sandboxinitiative.Bring this tool to end users to test the application and give us feedback so that we can thenincorporate any amendments and additional features until we find market fit (i.e. we haveadequately addressed the need).This market assessment study will help us to optimise Nickle and define the requirements ofits back-end systems to meet the needs of micro-lenders/savers in the UK (where 9 millionpeople are currently underbanked) and developing countries primarily Mexico and Indiawhere smartphone penetration is high. If successful this will open a potential global massmarket of 700m unbanked people only in those 2 countries and the possibility to roll out theconcept in Latin American countries, USA Philippines and Africa.