【全港首個】智能記帳理財應用程式正式登場!

By team gini on March 5, 2018

今天,我非常高興為大家隆重介紹gini—全港首個智能記帳理財應用程式正式登場。香港長久以來以購物天堂自居, 被認為是一個物質化的城市,而年青人更一直受到多姿多彩的購物文化所影響。雖然,中華文化自古以來以節儉及累積財富為良好美德,但早前由投資者教育中心進行的一項調查就發現,只有45%的香港人有每月儲蓄的習慣,而購買心頭好是他們借貸的最主要原因。「使錢」從來都不是一件錯事,但要「使」得精明,且量入為出尤其重要。

管理個人財務從未如此簡單
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」。

回應消費者需求
回想起gini 的誕生,其實是要回應市場上消費者的需求。各大銀行推出的流動理財應用程式大行其道,但每間銀行的App均是獨立研發及運作,若用戶擁有5間銀行帳戶,便需要下載5個App管理自己的帳戶。我們深明當中的缺點,再加上銀行帳單的數據顯示不清晰、非個人化的用戶體驗、繁複的使用介面等等,均為用戶帶來各種的不便,gini的出現正正為現時的流動理財應用程式帶來大革新。

只需1個步驟   帶來嶄新的理財體驗
我們絕對明白香港人的生活急促䌓忙,科技其中帶來的好處是為大家自動處理日常不想埋首的事項。gini的操作簡易,只需1個簡單的步驟,連結您的網上銀行,gini便會提供即時記帳、報告及奬賞,用戶既可節省時間,又可隨時隨地掌握自己的生活支出。而作為消費者,保安和私隱一直是我們所關注的,我們對這方面的要求亦相應提高。gini除了使用銀行級加密保安技術,用戶的網上銀行登入資料並不會儲存於伺服器內,由始至終資料只存於用戶的手機,我們是無法取得任何用戶的個人資料 。

gini已經整裝待發,我們全公司上下都非常期待測試版推出的大日子。在此,我們希望藉著《gini創業手記》分享更多有關gini的願景、計劃及產品資訊。記緊在此搶先登記您的電郵,緊貼gini的最新動態。

作者:衛理文
gini 行政總裁兼聯合創辦人衛理文 (Raymond Wyand)
在創立gini前,Ray為花旗銀行亞太區金融市場結構性信用產品與解決方案部副總裁,負責優化監管資金、CLO整合、證卷化及信用衍生工具。
Ray擁有英國倫敦國王學院所頒發的社會科學及商業學士學位。

(英文原文版本)
Introducing gini, HK’s first personal financial management app

Hello all,

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.


智能、簡單、安全。輕鬆掌握您的理財收支狀況!
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