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金融解决方案实验室
金融解决方案实验室
Technology offers tremendous potential to expand access to safe, affordable financial products and services for consumers across a range of incomes, 语言和地理. At the center of our commitment to improving financial health is the 金融解决方案实验室, 10年, $60 million initiative managed by the 财务状况 Network that supports innovative ideas to improve financial health. The 金融解决方案实验室 has three main areas of programming:
- An accelerator focused on financial health which holds an annual competition to identify, test and scale products and services that address the needs of underserved communities
- A meeting place for interested nonprofit organizations and fintech providers to explore collaboration and exchange insights to maximize their collective impact on the communities they serve
- 一个协作 initiative which focuses on identifying and exploring new, innovative solutions that are not yet available in the market to address unmet financial health needs
金融解决方案实验室 2021 Accelerator Cohort
Esusu (纽约, NY) offers a financial technology platform that empowers tenants and improves property performance. Esusu’s rent reporting platform captures rental payment data and reports it to credit bureaus to boost renters’ credit scores. This allows renters to build and establish their credit scores while helping property owners increase revenue, 防止拆迁, and fill more vacancies powered by differentiated data and insights.
日常生活 (波士顿, MA) removes barriers to buying life insurance, 包括高额保费, 复杂的产品, 不透明承保, enabling more people to protect their families with life insurance coverage. They’re on a mission to provide life insurance for everyone who needs it by saving people money with personalized policies that automatically adjust as their needs change.
房屋贷款伙伴 (奥兰多, FL) uses artificial intelligence and blockchain to improve the mortgage lending process for consumers, with a focus on underserved first-time home buyers. Utilizing standard underwriting information, AI tools evaluate customers’ financial situations, 模拟承保和, 应他们的要求, match them with prospective lenders. 房屋贷款伙伴’s blockchain network gives borrowers control of their data and ensures a smooth, transparent approval process for all stakeholders by using smart contracts.
飞跃基金 (纽约, NY) is a nonprofit that helps public benefits recipients navigate benefits cliffs (becoming ineligible for public benefits due to an increase in wages or hours worked). 飞跃基金 accomplishes this by empowering workers to identify and avoid cliffs, and ultimately aims to eliminate benefits cliffs altogether, all while creating pathways towards self-sufficiency and financial independence.
救命稻草 (纽约, NY) enables credit unions and community banks to provide an advanced mobile banking experience for their customers. 通过救命稻草, consumers gain expanded visibility into their banks’ offerings and access to a wider set of additional financial management tools focused on financial health.
联谊社团 (泽西市, NJ) provides a mobile-first platform that delivers affordable access to auto insurance customized for Latinx, 移民, 工薪阶层的顾客. Their offering is fully bilingual and their underwriting process does not use credit score, 就业, 或教育.
Upsolve (布鲁克林, NY) is a nonprofit that empowers low-income and working-class families navigating financial distress to file for bankruptcy for free using an online web app, without needing to afford a lawyer or legal fees. 到目前为止, Upsolve has relieved over $300 million in debt for families suffering from medical bills and job loss by providing free access to bankruptcy and legal assistance, 金融教育.
Making an 影响 Through the 金融解决方案实验室
到目前为止, the 金融解决方案实验室 has supported more than 40 financial technology companies from more than 1,总共600名申请者. Cohort alumni are offering innovative financial products that reach over 4.美国有500万人.S. and have seen 20 times user growth since joining the 金融解决方案实验室. 集体, the companies have raised over $500 million in capital since joining the program and have helped U.S. 居民节省了超过10亿美元.
