Karri – eliminating all payment and communication friction in the education and youth payments ecosystem

Karri目前为学校提供了一款支付收款应用程序，旨在通过数字方式进行交流和接收付款。学校可以发出“代收”申请，要求支付与教育有关的费用，如额外的壁画、文具、教科书、制服、体育活动、旅游、郊游、露营和考试/评估。相反，父母可以节省频繁的手动取款/支付的时间和成本。Karri的目标是简化收款并增强教育和青年市场细分市场的财务健康。在这个项目中，Karri正在开发一种创新的预付卡和移动应用程序，旨在提升教育和青年支出领域的财务健康。新的Karri App将通过在父母的数字钱包上附加预付卡来利用数字钱包的功能。卡里卡将为家长、儿童以及教育机构带来巨大的好处。它将允许孩子在父母的控制下，在多个第三方商家和他们的学校消费，支持孩子的经济独立。家长们将能够在商家类型的水平上设置消费限制，变化范围可以精确到一周中的某一天或一年中的某个时间。这将极大地提高父母对费用的透明度/跟踪，并提供一种预算工具。卡里卡将通过卡控制支出功能、限制对卡支付的攻击媒介以及消除现金欺诈，使其变得安全和高度可定制。因此，这将通过取消现金处理和存储以及相关管理，在家庭和学校内部管理现金方面提高效率和节省成本。英国有32,000所学校，学生约1,000万，其中约2,250所是付费学校。卡里将帮助支持孩子们养成良好的理财习惯，更广泛地说，可以支持下一代银行客户的财务健康。卡里提供了更简单、更低的现金管理成本，为学校和家长节省了宝贵的时间。预订学校晚餐可以大大减少食物浪费的成本。通过父母的监督选择更健康的食物将有助于对抗儿童肥胖症并支持过敏原控制(娜塔莎定律)。个人，尤其是残疾儿童，可以避免携带现金。全球网络欺凌的增加\[比较技术，2022\]突显了对这些工具的需求。

Karri currently offers schools a payment collections app designed to communicate and receive payments digitally. Schools are able to send a "collection" request for payment relating to education-related expenses, such as extra murals, stationery, textbooks, uniform, sporting activities, tours, outings, camps and examinations/assessments. Conversely, parents are saved the time and cost of frequent manual withdrawals/payments.Karri aims to simplify collections and enhance financial health in education and youth market segments.In this project, Karri is developing an innovative prepaid card and mobile app designed to elevate financial health in the education and youth-spending spaces. The new Karri App will utilise a digital wallet's functionality by attaching a prepaid card to a parent's digital wallet. The Karri Card will provide significant benefits to parents, children and, further, educational institutions. It will allow a child, under parental controls, to spend at multiple third-party merchants and at their school, supporting a child's financial independence. Parents will be able to set spend limits at merchant-type level, with variability down to the day-of-the-week or time-of-the-year. This will dramatically increase transparency/tracking of costs for parents and provide a budgeting tool. The Karri Card will be made secure and highly customisable through card controlled spending functions, limiting attack vectors on card payments, and eliminating cash fraud. Consequently, this will lead to increased efficiency and cost-savings in managing cash amongst families and within schools through the elimination of cash handling and storage and associated administration.There are 32,000 UK schools with ~10m pupils \[BESA,2021\], ~2,250 of these are fee-paying \[UKGov,2019\]. Karri will help to support children in setting good money habits and, more broadly, can support financial wellness in the next-generation of banking customers. Karri offers easier and lower administrative costs of cash, saving schools and parents precious time.Pre-ordering school dinners could be utilised to cut food waste costs considerably. Healthier food choices through parental oversight will help combat childhood obesity and support allergens control (Natasha's Law). Individuals, particularly disabled children, can avoid carrying cash. Increased cyber-bullying globally \[Comparitech,2022\] highlights the need for these tools.