Bùi Lâm Xuân Hàn
Mã số ý tưởng:35-2987
16 Lượt bình chọn


Context: Today, most young people fall into a dilemma in which they want to have a monthly saving but hard to do it. The reason is that they don’t have a habit/tool to control their spending.

Proposal: Build a smart spending feature on UBank application. Accordingly, the monthly amount transferred to UBank account will be automatically labeled & allocated to different categories (for example 10% Savings, 10% Travel, 10% Education, 30% Spending,…). If users choose to use the money from a category, UBank will automatically deduct and record that transaction. At the end of the month, UBank makes a specific spending report for each category and sends it to the customer.

Benefits: Implementation of this feature will help users to monitor and control personal finances. In addition, UBank will also have data on customers’ spending habits, which can be used for future marketing campaigns.


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