Nickle proof of market

在全球范围内，20亿成年人（占世界成年人口的一半）无法获得正规的金融服务。此外，现有的金融产品不足，无法满足低收入群体的需求。因此，数百万人不得不依靠非正式的方式储蓄和借贷，根据世界银行的数据，最常见的是有15亿人使用的借贷圈子。今天的借贷圈存在着几个低效率的问题：没有数据收集（缺乏信用记录），现金处理（不安全），地理限制，旅行成本，（结束业务）繁琐的簿记。我们以应用程序的形式使贷款圈现代化，从而解决了所有这些低效率问题，因此也解决了对专门为微贷款/微储蓄设计的金融产品的需求。简单地说，我们开发“Whatsapp”是为了省钱。我们开发了应用程序的试用版，我们的市场验证项目的目标是：研究并确定英国最有可能使用该应用程序的社区和种族群体；进一步发展我们与FCA的关系。Nickle在其早期阶段得到了创新中心的接受和帮助，我们将参与即将到来的监管沙盒计划。把这个工具带给最终用户测试应用程序，并给我们反馈，这样我们就可以加入任何修改和额外的功能，直到我们找到市场适合（即我们已经充分解决了需求）。这项市场评估研究将帮助我们优化Nickle并定义其后端系统的要求，以满足英国（目前有900万人没有得到充分银行服务）和发展中国家（主要是墨西哥和印度）的小额贷款/储蓄者的需求，这些国家的智能手机普及率很高。如果成功，这将打开一个潜在的全球大众市场，仅在这两个国家就有7亿无银行账户的人，并有可能在拉丁美洲国家、美国、菲律宾和非洲推广这一概念。

Globally, 2 billion adults, half the world’s adult population, lack access to formal financialservices. Moreover, the financial products available are inadequate and deficient in addressingthe needs of lower income segments.Therefore, millions of people have to recur to informal ways of saving and borrowing, themost common being Lending Circles used by 1.5 billion people according to the World Bank.Lending Circles today operate with several inefficiencies: No data collection (lack of credithistory), Cash handling (insecurity), Geographical limitations, Cost of travel, (closingbusiness) Ardous bookkeeping.We addressed all these inefficiencies by modernising lending circles in the form of an appand, therefore, also addressed the need for a financial product specifically designed formicrolending/microsaving. To put it simply, we developed the “Whatsapp” for savings.A trial version of the app was developed, the objectives of our Proof-of-Market project are to:Research and identify communities and ethnic groups in the UK most likely to use the app;Further develop our relationship with the FCA. Nickle was accepted and aided by theInnovation Hub in its early stages and we will participate in the upcoming regulatory sandboxinitiative.Bring this tool to end users to test the application and give us feedback so that we can thenincorporate any amendments and additional features until we find market fit (i.e. we haveadequately addressed the need).This market assessment study will help us to optimise Nickle and define the requirements ofits back-end systems to meet the needs of micro-lenders/savers in the UK (where 9 millionpeople are currently underbanked) and developing countries primarily Mexico and Indiawhere smartphone penetration is high. If successful this will open a potential global massmarket of 700m unbanked people only in those 2 countries and the possibility to roll out theconcept in Latin American countries, USA Philippines and Africa.