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国际资讯基于互联网平台的金融业务

在线私人理财机器人Trim向Visa用户推出消费返现奖励程序

近日,Facebook Messenger上最受欢迎的私人理财机器人Trim推出了一款针对Visa卡持卡人的购买返现程序——"储蓄(Savings)"。

使用者通过切换到该程序并允许该公司监控购买过程,即可在购买后不久收到优惠券或返现奖励。

具体来说,Visa承诺每支付5美元用于购买杂货或在任何美国餐厅吃饭即可获得1美元返现,当用于购买(不包括送货服务)的金额达到50美元或更多时可获得10美元返现。

而Trim网站的信息显示,"储蓄(Saving)"程序将在5至7天内少量发行,并将出现在Visa持卡人的声明中。

该公司首席执行官Thomas Smyth表示,在过去六个星期针对1.1万名首批客户的试用中,该机器人已经为用户节省了3.5万美元,约合每人3.18美元。

作为一款机器人,Trim最早在2016年初开始推出帮助用户取消不需要订购的服务,这一功能在几个月内为用户节省了数百万美元。 此后,Trim逐渐增加了一系列附加功能,包括追踪用户的个人财务状况以及在用户玩俄罗斯方块时重新协商其Comcast账单的服务,这些服务让这款机器人越来越受欢迎。

Trim是"发现"标签的"热门"类别中列出的20个机器人中的中流砥柱,也是其中唯一的私人理财机器人。

"发现"标签可用于寻找流行机器人,或与四月份加入Facebook Messenger的主要业务的客户服务代理人进行交流。 Smyth表示,自推出以来,有超过一百万各类访问者使用了Trim,并由此节省了1000万美元。

和万事达卡、美国运通等信用卡公司以及美国境内外的主要银行(如美国银行)一样,Trim与包括Kasisto公司的Kai、Varo Money和Penny在内的其他机器人也致力于帮助人们追踪自己的财务状况或省钱。

"整个生态系统的真正痛点是为机器人找到真正的用途。事实证明,如果一个机器人可以帮人们省钱,人们就会喜欢它,"Smyth说,他认为对机器人行业的评判应该取决于为用户创造真正价值的那些机器人。

Smyth还补充道:"如果我们在评判机器人生态系统,那么我们应当给上述机器人应有的关注,而不是过分关注过去一年半以来我们所看到的那些用处更小的机器人。"

像Trim 的"储蓄(Savings)"这样的项目也将延续通讯类类应用程序的潮流,被用于线下世界的生活。

咨询公司艾瑞咨询发现,去年中国的移动端支付使用额比美国高出近50倍,相当于5.5万亿美元。 最近的一份报告发现,微信支付等平台正在改变中国的社会习俗。

在今年早些时候的F8大会上,Facebook Messenger扩展了其二维码功能,使开发人员可以使用它们来引导人们进行特定的讯息收发体验,并建立了直接扫描参数代码进入Messenger相机的功能(只需将您的拇指放在屏幕上)。

去年七月,Trim宣布关闭由Eniac Ventures牵头的220万美元融资。 Version One Ventures、Core Innovation Capital、以及Sound Ventures--一家由Ashton Kutcher共同创办的风险投资公司--均投资了Trim。

Trim, perhaps the most popular personal finance bot on Facebook Messenger, today launched Savings, a cash-back on purchases program for Visa cardholders.

By opting into the program and allowing the company to monitor your purchases, users receive coupons or cash-back rewards shortly after purchases.

The launch deal: Visa promises $1 back for every $5 spent on groceries or eating at any U.S. restaurant and $10 when $50 or more is spent on shopping (excluding delivery services).

Savings are doled out within 5-7 days and will appear inside a Visa cardholder’s statement, according to the Trim website.

In trials with 11,000 initial customers in the past six weeks, the bot has already saved users $35,000, or roughly $3.18 apiece, according to CEO Thomas Smyth.

Trim first began in early 2016 as a bot that cancels your unwanted subscriptions, a mission that saved users millions of dollars in a matter of months. Since then Trim has gradually added a range of additional features, including services that track your personal finances and renegotiate your Comcast bill while you play Tetris, features that led the bot to grow in popularity.

Trim is a mainstay and the only personal finance bot among the 20 bots listed in the Popular category of the Discover tab.

The Discover tab is a way to find popular bots or speak with customer service agent humans from major businesses added in April to Facebook Messenger. More than one million unique visitors have used Trim since launch, saving people $10 million, according to Smyth.

Alongside credit card companies like MasterCard and American Express and major banks in and outside of the United States, such as Bank of America, Trim is part of bots like Kasisto’s Kai, Varo Money, and Penny, all designed to help people track their personal finances or save money.

“A real pain point for the whole ecosystem is finding real uses cases for bots, and it turns out that if you have a bot that saves people money, people really like it,” said Smyth, who thinks the bot industry should be judged by the bots that create genuine value for users.

“If we’re judging the bot ecosystem, give those a fair shake as opposed to over focusing on the many less useful bots that we’ve seen over the past year and a half,” Smyth added.

Programs like Trim Savings also continue a trend of messaging apps being used to carry out life in the offline world.

Consultant firm iResearch found that last year mobile payment adoption was nearly 50 times greater in China than it is in the United States, equivalent to $5.5 trillion. A recent report found that the use of things like WeChat Pay are changing social habits in China for everyone from the homeless to a bride who recently wore a QR code to her wedding to collect money gifts from reception attendees.

Earlier this year at F8, Facebook Messenger extended its QR codes to allow developers to use them to direct people to a particular messaging experience and built the ability to scan parametric codes directly into the Messenger camera (just hold your thumb down on the screen).

Last July Trim announced the closure of a $2.2 million funding round led by Eniac Ventures. Version One Ventures, Core Innovation Capital, and Sound Ventures, a VC firm cofounded by Ashton Kutcher, also invested in Trim.


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cynthia-lian | 未央团队未央编辑团队

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