gini 作為全港首創的智能記帳理財 App，大大簡化及節省個人理財的程序及時間。用戶只需要連結網上理財銀行，便可追蹤消費支出，更可獲得個人化現金回贈。回贈計劃旨在鼓勵用戶積極管理他們的個人財務，更希望藉此為用戶提供折扣，可以「慳上慳」。
gini 行政總裁兼聯合創辦人衛理文 (Raymond Wyand)
Introducing gini, HK’s first personal financial management app
First to market
I am pleased to introduce gini, the first personal financial management app in the greatest city in the world – Hong Kong. Famed as a shopping paradise, Hong Kong has always been regarded as a materialistic city, and this sensibility dominates youth culture. Although, saving money is deeply engrained in the Chinese culture, a survey conducted by Investor Education Center revealed that regular saving practice was not yet in place as only 45% of Hong Kongers were committed to putting aside savings every month, and buying favourite items was the most common reason for borrowing money. There is nothing wrong with spending, but doing it wisely and responsibly is important.
The incentive scheme helps encourage the users to better manage their personal finances, as well as spend less by receiving offers from selected merchants.
A solution to consumer pain points
gini is a result of banking apps being built around the needs of consumers. Mobile banking is a prevailing trend that every bank is trying hard to introduce to the market, but each bank focuses on building their own independent app rather than making apps that work with each-other. gini is the solution to this consumer pain point, and many more such as bad merchant data, impersonal experience, non-user friendly UI and UX, and few more.
Simple, Save and Secure
As Hong Kong people, we know how hectic life here is.. That’s why we built gini – to automate all the tasks we hate doing. With the user-friendly look and feel, it just takes 3-easy steps for gini to provide timely expense reports and rewards, which save you time and help you stay on top of your money. As consumers ourselves, security and privacy are always big concerns for us – so it was important for us to have exceptional standards in this area. Not only is our app encrypted by bank-level security protection, we also never store your username and password on our server , they always remain on your device. In short, we protect your most private precious information by never getting it – it remains on your mobile phone, totally under your control, without ever being accessible to gini (or anyone else).
This is the first post of our founders』 diary, we will be sharing more about gini’s vision, plan and progress. Please stay tuned! And most importantly, gini is on the way, stay connected and sign up for our newsletter here. https://www.gini.co
Author: Raymond Wyand
Raymond Wyand is the Chief Executive Officer and co-founder of gini. Prior to this, Ray is a former Vice President at Citibank, part of the Global Credit Trading Business based in Hong Kong. His areas of expertise included Regulatory Capital Optimization, CLO Syndication, Securitization and Credit Derivatives.
Ray holds the Bachelor of Social Science and Business at Kings College London.