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

政府已经认识到金融排斥的问题，并越来越多地反映在要求银行和其他金融服务提供商为所有人提供金融服务的监管要求中，例如FCA的“消费者责任”。金融排斥造成了低弹性，阻碍了创业精神，增加了失业率、社会保障和医疗成本，从而损害了英国经济。它通过被排除在金融服务之外（例如导致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），损害了数百万英国公民的生活。导致金融排斥的因素包括缺乏信用记录和文化方面的因素。MoneyMatix将提供一座金融科技桥梁，弥合被金融排斥的个人与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个金融科技岗位*就业和生产力的提高*使英国税收增长*加强了英国全球领先的金融科技部门在区域内加强了苏格兰的金融科技部门。该项目得到了包括主要慈善机构和金融服务提供商在内的志愿专家顾问的支持。

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.