Subscribe to our Telegram channel to stay up to date with all the news and events of the Runet

[[email protected]]

This week it became known that QIWI Venture has become a partner of the GenerationS startup accelerator, which is held annually by RVC together with Russian corporations. At the request of theRunet, the fund's director Olga Turzhanskaya told us which startups are of most interest to investors and developers of personal finance management services.

Before discussing which startups have the best chances of attracting investors, let's look at what a good personal finance management service is. Of course, first of all, it should meet the needs of a wide audience of turkey whatsapp number list users and solve the widest possible range of tasks. It is important to remember that the capabilities of such services are constantly growing, and the audience makes more and more demands on their functionality. The following aspects are most relevant:

Simplicity, accessibility and ease of use. Here we include an intuitive interface, an adaptive language of communication between the service and the audience and other similar factors
Comfortable achievement of goals. As a rule, the user does not want to save up a “conditional million” – in most cases, he has specific tasks: to go on a trip or to undergo training in an area of ​​interest to him. In other words, the goal should be measured not in money, but in desires. At the same time, the greatest value is provided by services that help to achieve these goals unnoticed or unobtrusively (for example, by deducting a small percentage from monthly income) and then, when the required amount has accumulated, offer a suitable product or service.
Emotional involvement. Most of the audience is bored and uninterested in simply counting expenses and income (that is why the period of use of ordinary PFM services rarely exceeds 3-4 months). If the service provides emotional involvement, for example, through gamification or some kind of socialization, it will be more in demand, and, therefore, its LTV (lifetime value) will be higher.
Thus, we see that the time of classic PFM services, responsible only for accounting, planning and management of user finances, has passed . They are being replaced by various marketplaces, in which PFM is only a small link. Let me remind you that a marketplace is various modules and extensions created on the infrastructure base of a given service or application.