\nAnul trecut, \u00een perioada Cr\u0103ciunului, Rachel Rhoads \u015fi-a adus aminte de contul de economii unde a observat c\u0103 are 900 de dolari. Rhoads are un cont la Digit, companie de tehnologie financiar\u0103 care are un algoritm ce le urm\u0103re\u015fte veniturile \u015fi obiceiurile de cheltuial\u0103 utilizatorilor s\u0103i \u015fi odat\u0103 la dou\u0103-trei zile pune c\u00e2\u0163iva bani de o parte \u00eentr-un cont de economii, scrie Bloomberg.<\/p>\n
\n\u00cen doi ani, startup-ul american Digit a reu\u015fit s\u0103 ajute utilizatorii s\u0103i economiseasc\u0103 peste 350 de milioane de dolari, potrivit lui Ethan Bloch, fondatorul \u015fi CEO-ul companiei, f\u0103r\u0103 a dezv\u0103lui totu\u015fi num\u0103rul de utilizatori pe care \u00eei are aplica\u0163ia.<\/p>\n
\nDigit analizeaz\u0103 veniturile utilizatorului, c\u00e2nd este pl\u0103tit, cum este pl\u0103tit, apoi se uit\u0103 la ce cheltuieli are \u00een urm\u0103toarele s\u0103pt\u0103m\u00e2ni \u015fi observ\u0103 obiceiurile de cheltuial\u0103 ale acestora. Dup\u0103 ce face toate aceste lucruri, mut\u0103 o parte din bani \u00een contul de economii.<\/p>\n
\nDigit va fi integrat \u015fi \u00een aplica\u0163ia de messenger a Facebook, astfel va comunica mai u\u015for cu clien\u0163ii s\u0103i. Utilizatorii pot seta o dat\u0103 \u015fi un obiectiv (c\u00e2t vrea s\u0103 economiseasc\u0103) \u015fi algoritmul programului face anumite proiec\u0163ii bazate pe soldurile existente pentru a determina dac\u0103 obiectivul este unul realistic sau nu.<\/p>\n
\nTotu\u015fi pentru c\u0103 Digit nu este o banc\u0103 aceasta nu poate pl\u0103ti dob\u00e2nda, dar Bloch a spus c\u0103 “dob\u00e2nzile nu sunt un punct prioritar pentru clien\u0163ii no\u015ftri deoarece ace\u015ftia economisesc sume mici.<\/p>\n
\n“Vrem ca aplica\u0163ia s\u0103 devin\u0103 mai complex\u0103, s\u0103 o umaniz\u0103m. Vrem s\u0103 putem s\u0103 o intreb\u0103m – “Hei, Digit, sunt ok pentru pensionare? \u015fi aplica\u0163ia s\u0103-\u0163i trimit\u0103 un emoji cu ok”, a m\u0103rturisit fondatorul.<\/p>\n","protected":false},"excerpt":{"rendered":"
Anul trecut, \u00een perioada Cr\u0103ciunului, Rachel Rhoads \u015fi-a adus aminte de contul de economii unde a observat c\u0103 are 900 de dolari. Rhoads are un cont la Digit, companie de tehnologie financiar\u0103 care are un algoritm ce le urm\u0103re\u015fte veniturile \u015fi obiceiurile de cheltuial\u0103 utilizatorilor s\u0103i \u015fi odat\u0103 la dou\u0103-trei zile pune c\u00e2\u0163iva bani de […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[13243,10403,82,5064,272,7942,7573,13012,16723,93,80,264],"class_list":["post-142166","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-ajutor","tag-aplicatie","tag-bani","tag-cheltuiala","tag-companie","tag-cont","tag-economii","tag-economisire","tag-obiceiuri","tag-plati","tag-refuz","tag-utilizatori"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/142166","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=142166"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/142166\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=142166"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=142166"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=142166"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}