SBIR Phase I: Validating and Scaling a Financial and Entrepreneurial Aptitude Assessment

这项小企业创新研究（SBIR）第一阶段项目的更广泛影响/商业潜力是开发一种智能和不断发展的工具，为向儿童教授金融知识技能提供框架。识字课程是根据儿童的发展速度和阶段来实施的。该产品旨在提供一个结合真钱、同伴表现反馈和人工智能（AI）驱动教育的家庭金融和创业平台，以教导年轻人如何负责任地使用金钱和创业。通过利用人工智能，该项目将把教育内容策划成一种身临其境的数字学习体验，无论财富、人口结构或地理位置如何，都可以为个人量身定制。通过这种创新，年轻人在向经济独立过渡的过程中可能会更有可能获得成功。这个项目还可以让学术界和工业界共同努力，验证个人的财务准备和独立性。这个小企业创新研究（SBIR）第一阶段项目的重点是设计一个促进财务健康的用户绩效反馈机制的原则和机制。理财知识在人生的每个阶段都很重要。该项目的第一阶段是开发一种性能机制，并使用深度人工智能技术来确定数据收集和逻辑数据组织的目标基线，以及确定性能测量和个人学习者分组。这些度量包括静态数据、动态数据、数据的逻辑组织、计算方法和评分原则。一旦优化，项目的结果可能会鼓励个人实现财务稳定和成功。该奖项反映了美国国家科学基金会的法定使命，并通过使用基金会的知识价值和更广泛的影响审查标准进行评估，被认为值得支持。

The broader impact/commercial potential of this Small Business Innovation Research (SBIR) Phase I project is the development of an intelligent and evolving tool that provides a framework to teach financial literacy skills to children. The literacy lessons are implemented at the child’s pace and stage of development. The product seeks to provide a family finance and entrepreneurism platform that combines real money, peer performance feedback, and artificial intelligence (AI)-driven education to teach youth how to responsibly use money and build businesses. By utilizing AI, the project will curate educational content into an immersive digital learning experience that is tailored to the individual regardless of wealth, demographics, or geographic location. Through this innovation, youth may be better positioned for success as they transition to financial independence. This project may also allow academia and industry to work together to validate an individual's financial preparedness and independence.This Small Business Innovation Research (SBIR) Phase I project focusses on designing the principles and mechanics of a user performance feedback mechanism that promotes financial wellness. Financial literacy is important at every stage of life. The Phase I of this project is to develop a performance mechanism and uses deep AI techniques to baseline the goals for data collection and logical data organization, as well as to determine performance measurements and individual learner groupings. These metrics include static data, dynamic data, logical organization of data, calculation methods, and scoring principles. Once optimized, the outcome of the project may encourage individuals to achieve financial stability and success.This award reflects NSF's statutory mission and has been deemed worthy of support through evaluation using the Foundation's intellectual merit and broader impacts review criteria.