Creating instant decisioning for Future Earnings Agreements (FEAs) and safety systems for FEA servicing

StepEx（StepEx）是一家英国金融科技中小企业，由丹尼尔乔治（CEO、创始人、产品经理）、利奥·德拉-莫雷塔（项目经理、COO）领导的核心项目团队。英国需要高技能的专业人才;近四分之一的职位空缺是由于缺乏合格的候选人。这对日益增长的数字部门来说尤其令人担忧。随着经济迅速变得更加依赖数字方法，工作人口的数字技能不足可能会对该部门的增长产生不利影响（区域数字生态系统，2021年）。然而，大多数30岁以下的人发现支付教育费用以培训或再培训成为数字经济的积极参与者极具挑战性。对许多人来说，这似乎遥不可及。他们不仅面临着生活成本上升的压力，而且许多人还没有建立收入或信用记录，使他们能够有资格从传统金融机构获得贷款（ONS，2018）StepEx正在开发一个平台，帮助学生通过各种教育提供商的未来收入协议（FEAs）获得资金。这些FEAs使用算法构建，以将学生未来收入的一部分与课程或学位的成本在定义的时间内相匹配。使用FEAs意味着学生将不会申请传统的贷款或债务，因为偿还不是基于利息和本金。相反，学生借款人将在一定时间内偿还其未来总收入的一定比例。StepEx将是第一个提供受监管的FEAs以帮助学生资助其教育的平台，并帮助教育提供商为学生提供此选项。

StepEx (StepEx) is a UK fintech SME led by core project team of Daniel George (CEO, Founder, and Product Manager), Leo Della-Moretta (Project Manager and COO).Highly skilled professionals are needed in the U.K.; nearly a quarter of employment vacancies are due to a lack of qualified candidates. This is especially a concern for the growing digital sector. As the economy is rapidly becoming more dependent on digital methods, a deficit in digital skills from the working population will likely have an adverse impact on this sector's growth (Regional Digital Ecosystems, 2021). However, most people under 30 find paying for education to train or retrain to become active participants in the digital economy extremely challenging. For many it seems out of reach. Not only are they faced with the pressure of rising living costs, but many have not built an income or credit history that would enable them to qualify for loans from traditional financial institutions (ONS, 2018).StepEx is developing a platform that will help students access funding via future earnings agreements (FEAs) through various educational providers. These FEAs are structured using algorithms to match a portion of a student's future earnings over a defined duration with the cost of the course or degree. Using FEAs means students will not be applying for traditional loans or debt as the repayment is not based on interest and principal. Instead, the student borrower will pay back a percentage of their future gross income over a certain amount of time.StepEx will be the first to offer regulated FEAs to help students fund their education and a platform to help educational providers offer this option to students.