Sweep ARIA

Sweep是一家总部位于英国的金融科技初创公司。Sweep专注于为中小企业和企业家开发金融便利服务，满足他们特定的财务、差旅、费用和记账需求。英国有590万家中小企业，雇佣了1660万人，为英国经济贡献了52%的收入（小企业联合会，2019年）。中小企业每年在行政事务上平均花费120个工作日；对于中小企业来说，这些管理资源中有41%由会计活动主导——对于小公司来说，这一数字上升到46%，对于微型公司来说，这一数字高达51% （Sage, 2018）。会计任务对中小企业来说是如此繁重，以至于22%的中小企业愿意在每个月底留下不协调和不明的财务（Soldo, 2018）。Sweep将独特的机器学习和智能机器人流程自动化相结合，开发ARIA，这是一种提供自动化财务流程，分析和见解的解决方案，帮助中小企业和自营职业者充分利用他们的数据和时间，将他们从这些行政负担中解脱出来。ARIA将通过以下方式支持中小企业：机器人流程自动化（RPA），自动化财务报告任务以节省时间，提高准确性并减少错误率。机器学习增强的财务分析，为每个客户提供量身定制的见解，并提供最新的、可操作的财务报告。云部署，使ARIA可作为应用程序或软件进行扩展，而无需构建昂贵的基础设施和重新构建遗留架构4。利用开放银行（由英国金融行为监管局许可和监督）防止欺诈，最大限度地保护消费者免受欺诈和其他滥用行为的侵害。该项目将开发一种世界首创的方法，利用《开放银行框架》的金融法规制定满足中小企业需求的解决方案。Sweep的ARIA项目将在英国为590万家中小企业创建一个财务流程、报告和洞察解决方案，以更好地处理他们的财务报告、现金流计划，并在不确定时期给予他们财务信心。

Sweep is a UK-based FinTech start-up. Sweep specialise in developing financial facilitation services for SMEs and entrepreneurs, catering to their specific finance, travel, expense, and book-keeping needs.There are 5.9 million SMEs in the UK, employing 16.6 million people, contributing to 52% of revenue to the UK economy (Federation of Small Businesses, 2019). SMEs spend on average ~120 working days a year on administrative tasks; for SMEs, 41% of these admin resources are dominated by accounting activities - this figure rises to 46% for small companies and up to 51% for micro firms (Sage, 2018). Accounting tasks are so burdensome to SMEs that 22% of them are willing to leave finances unreconciled and unidentified at the end of each month (Soldo, 2018).Sweep are aligning unique Machine Learning and Intelligent Robotic Process Automation to develop, ARIA, a solution that provides automated financial processes, analysis and insights, helping SMEs and self-employed people to make the most of their data and their time, releasing them from these administrative burdens. ARIA will support SMEs through:1. Robotic Process Automation (RPA), automating financial reporting tasks to save time, increase accuracy and reduce error rates2. Machine Learning-enhanced financial analytics, providing tailored insights for each client, and providing up to date, actionable financial reporting3. Cloud-deployment, making ARIA scalable available as an app or software, without having to build costly infrastructures and re-architect legacy4. Fraud Prevention using Open Banking (licensed and monitored by the UK Financial Conduct Authority) to minimise protect consumers against fraud and other abuses.This project will see the development of a world-first approach to using financial regulations of the Open Banking Framework to develop solutions addressing SME needs. Sweep's ARIA project will create a financial process, reporting and insight solution in the UK for 5.9million SMEs to be better able handle their financial reporting, cash-flow planning, and give them financial confidence in uncertain times.