最有看点的互联网金融门户

最有看点的互联网金融门户
专栏国际资讯基于互联网平台的金融业务

每天一万步,这家乌克兰银行就会为您提供21%的高利率

专栏国际资讯基于互联网平台的金融业务

每天一万步,这家乌克兰银行就会为您提供21%的高利率

储户都知道,利率既会上升也会下降,但这通常是随着经济周期而有所波动,与账户持有人的体育活动没有关系。

日前,乌克兰的Monobank宣布为每日步行达到一万步的客户提供更高的利率,希望在为客户带来更多财富的同时,也让客户拥有更健康的身体。

Monobank银行发展迅猛,仅一年时间就有五十多万名客户注册,该银行通过自己的移动平台为1,500名储户提供浮动利率。

利率浮动方式如下:客户使用智能手机健康应用来监测自己的体育活动。Monobank每天获取这些数据,日行达一万步的客户,储蓄将享受21%的高利率,连续三天未达标的客户,利率将下降到11%。

为了达成每日一万步的目标,Alexey Drozdov又在基辅寒冷的夜晚外出,他说道:"我觉得自己很快就会瘦下来。有人说'我觉得你不可能每天都坚持',我就想'好吧,那我一定要证明你错了。'"

"一般我们只有在存款到期看到利息时才会开心,但是现在,每天坚持完成目标也会很开心。"

这个活动由Monobank三位CEO Dima Dubilet、Misha Rogalskiy和Oleg Gorokhovsky最先提出,他们希望在改善个人和国家经济情况的同时解决因肥胖导致的健康问题。

乌克兰的冠心病死亡率居世界第二, 每100,000人中有395.73人死于冠心病, 到2030年,预计50%左右的男人有肥胖问题。

Dubilet表示,"大家都知道锻炼很重要,但是生活并不总是尽如人意。如果我们的运动储蓄账户能够让大家多锻炼,这对客户和我们自己来说都是件好事。"

最开始的时候,曾出现过某些客户钻漏洞的情况,特别是某些用户完成每日一万步的速度远远超出人类可能的速度。

银行人员很快就发现这些客户购买了一款产品,能够在人没有实际锻炼的情况下完成一万步的目标,违反规则的客户利率立即被降至最低。Monobank用户众多,其中一半以上能够完成目标,享受21%的利率。

银行方面并未说明是否有针对残障人士的特殊条款。

Monobank的发展和快速成功反映了乌克兰繁荣的金融技术领域,该国58%的金融科技公司成立时间在2015年及之后。

乌克兰的技术行业整体较强,由乌克兰人创办的本土初创企业2017年共筹募了2.65亿美元。

亚马逊今年二月份斥资10亿美元收购了视频门铃公司Ring,Snapchat斥资1.5亿美元收购了增强现实初创企业Looksery。

Dubilet认为,自2014年冲突爆发以来,乌克兰所面临的困境激励着年轻的企业家们不断寻求改进日常生活的方式。他希望能够增加 "运动储蓄"账户的乌克兰用户,并正寻求与基辅的医疗保健专家和当地政府合作。

Monobank预计于2019年年初在英国发布自己的运动储蓄平台。

As any saver knows, interest rates can go up as well as down. But they normally do so in conjunction with the economic cycle, and not with the physical activity of the account holder.

Now, a Ukrainian bank is offering better rates of interest to customers who prove they are taking 10,000 steps every day, as part of efforts to make its clientele not just richer, but healthier at the same time.

Monobank, a rapidly growing bank which has signed up more than half a million customers in just over a year, has offered the variable rate to about 1,500 savers on its mobile platform.

It works like this: customers use a smartphone health app to monitor their physical activity. Monobank accesses the data on a daily basis. People who manage the 10,000 steps are granted a rate of 21% on their savings. Anyone who fails to walk the walk for three days in a row will see their rate slump to 11%.

“I’m hoping to look fitter pretty soon,” says Alexey Drozdov as he marches through another chilly Kiev evening to clock up the mileage. “They say, ‘I bet you can’t do it every day.’ And I was like, ‘OK, I’ll prove you wrong.’

“Normally, a deposit only makes you happy at the end of a period; with this one, you can enjoy it every day because you get to show yourself that you have the guts to keep on going.”

The concept was devised by Monobank’s three CEOs, Dima Dubilet, Misha Rogalskiy and Oleg Gorokhovsky, in an effort to aid both personal and national economic wellbeing and address obesity-related health problems.

Ukraine has the second highest death rate from coronary heart disease in the world at 395.73 per 100,000; almost 50% of men are predicted to be obese by 2030.

“Everyone knows exercise is important but life often gets in the way,” said Dubilet. “If our sports deposit account gets people exercising more, that can only be a good thing – for our account holders and for Monobank.”

There were some early concerns about customers gaming the system – particularly when some users hit their 10,000 steps more quickly than humanly possible.

Bank officials quickly discovered that products were being sold to help run up the 10,000 steps without human involvement. The offenders were punished with an immediate relegation to the lowest interest rate. Of the broad customer base, more than 50% are managing the step count to qualify for 21% returns on their deposits.

Bank officials did not say whether there were any special terms for disabled people.

Monobank’s approach and rapid success reflects Ukraine’s booming financial technology scene, with 58% of the nation’s fintech companies launching since 2015.

The country’s technology sector is strong generally, and startups based in Ukraine or founded by a Ukrainian raised $265m in 2017.

Amazon bought the video doorbell firm Ring for $1bn in February, while Snapchat bought augmented reality startup Looksery for $150m.

Dubilet argues that the conditions endured by Ukrainians since conflict broke out in 2014 have motivated young entrepreneurs to seek ways to improve day-to-day life. He wants to increase the number of Ukrainians using the “sports deposit” account and is looking to collaborate with both healthcare professionals and the government in Kiev.

Monobank would also like to launch its sports deposit platform in the UK, possibly in early 2019.

本文系未央网专栏作者渺渺发表,属作者个人观点,不代表网站观点,未经许可严禁转载,违者必究!

用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

渺渺

39
总文章数

TA还没写个人介绍。。。

乌克兰拟向加密货币相关利润征税5%

Anna Bayda... | 鸵鸟创投媒... 09-18

乌克兰:比特币不属于货币、法币和证券

Kevin Helm... 2017-12-05

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1