全球性问题: 世界上196个国家中有100个国家作为一个家 没有银行存款的20亿人只能使用现金,没有任何资金 信用记录,并没有获得任何金融服务。它 必须注意的是,这些人大多使用他们的 智能手机和社交网络。这是一个 巨额的新数据和大量的新数据 潜在客户。金融机构没有任何 因此,这些客户的信息及其信誉 他们不想冒险去为这些人服务。然而, 这些人仍然需要资金,肯定还需要新的业务 客户为了生存竞争!
我们在这里帮助这20亿没有银行账户的人去探索The 新的全球密码经济! Micromoney是一支有能力的专业团队 在所有成熟的银行都没有的新兴市场工作 能够操作,即使他们决定在那里,他们也是 没有足够的创新能力在这个环境中生存下去。
我们的解决方案
MicroMoney是一个开源的信用和大数据局认为 将新客户连接到所有现有的金融服务。 MicroMoney A.I.平台使用复杂的算法来预测 所有客户的信誉,并在15分钟内借款人 可以从他们的生活中得到他们的第一笔贷款 手机。所有客户都有能力支付更少的利息和 如果他们更频繁地使用我们的平台,他们的信用评级会更高。 所有汇总的大数据和信用历史记录都存储在 Blockchain。成千上万的现有企业将可以访问 数以百万计的新客户,我们将带给全球 经济。
MicroMoney是一个开源的信用和大数据局认为 将新客户连接到所有现有的金融服务。 MicroMoney A.I.平台使用复杂的算法来预测 所有客户的信誉,并在15分钟内借款人 可以从他们的生活中得到他们的第一笔贷款 手机。
AMM是一个实用的令牌。令牌是一个组成部分 MicroMoney生态系统,可用作内部支付手段或 访问MicroMoney的服务。
源代码:  代码在Github上是部分可用的。 开发者证明:公共团队
2015柬埔寨
2016缅甸
现在印尼,斯里兰卡,泰国
1,000,000美元越南,马来西亚,新加坡,尼日利亚
500万美元中国,香港,台湾,韩国
1000万美元印度,非洲
拉丁美洲1500万美元
中东,欧洲,美国三千万美元
验证 0%
注意。未经证实的成员实际上可能不是团队成员
The business model isn't checked in the markets of the developed countries. The strategy of expansion is worked out poorly regarding the choice of the target markets. The company doesn't describe the strategy of an entry into the new markets.
The company points that it has more than 95 000 registered users, at the same time according to SimilarWeb inflow of new users is insignificant, t. to during all the time the application is downloaded less than 40 thousand times, and the number of visitors of the website is less than 12 thousand monthly. Micromoney places big emphasis on uniqueness of own system of scoring, at the same time the current indicator of a default for primary loans is 44% (at the company of an analog Kreditech this indicator is at the level of 20%) On the 17th WP Micromoney page predicts decrease in losses on loans up to 4% - to values much lower than at the companies analogs (in comparison with data of the Creditech company having the advanced system of scoring on the basis of AI and Big Data and considering more than 20 thousand factors).
The acceleration of growth of number of users considered in financial forecasts (by 6 times in 2018) has low probability During the period since 2015 the company has attracted $1,82 million venture financing, the final round of financing (May, 2017) has made $400 thousand. Thus, from the point of view of fundraising in the venture market it is impossible to call the project successful. In financial forecasts it is specified that in Myanmar, Sri Lanka and Philippines the company during 2018 will issue not less than 30 thousand loans in each of the countries that strongly exceeds dynamics of development of the project since 2015.
The acceleration of growth of number of users considered in financial forecasts (by 6 times in 2018) has low probability During the period since 2015 the company has attracted $1,82 million venture financing, the final round of financing (May, 2017) has made $400 thousand. Thus, from the point of view of fundraising in the venture market it is impossible to call the project successful. In financial forecasts it is specified that in Myanmar, Sri Lanka and Philippines the company during 2018 will issue not less than 30 thousand loans in each of the countries that strongly exceeds dynamics of development of the project since 2015.
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