You & Me

Finance

People like me

Demographic info

Social info

Budgeting Finance facts

Finance dictionary

Idea sharing

Dreams

You and Me FinanceThe User Awareness Checking it

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Name: Gemma

Age: 22

Profession: Student (soon to be graduate as a Physiotherapist)

Description: Gemma is about to graduate from university. She has already secured a job as a Physiotherapist at a large hospital. Gemma has never had a full time job before, or the salary to match. She isn’t sure how she should manage her money to set herself up for the future.

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Gemma, Get ready to graduate and start your career today. Sign up for You and Me Finance to assist.Regards, The Grad Office

Other points of awareness for You and Me Finance include:• University or Online advertising• Graduate information sessions• Bank/financial services information packs• Auto-enabled for MasterCard users

Gemma’s aware of You and Me Finance. She received an email from the Graduations Office advising about the service. But, she had also seen advertising online and around the university.

You and Me FinanceThe User Awareness Checking it

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Gemma decides to check out You and Me Finance to see if it can help with some upcoming decisions around budgeting and setting herself up for work.

You and Me FinanceThe User Awareness Checking it

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You & Me FinanceImprove your financial knowledge with the help of your friends

Sign upOrTake a tour

You & Me Finance

Getting started

Tell us about yourself:1. Name2. DOB3. Location4. Occupation5. Annual Salary6. MasterCard

user

Gemma signs up to You and Me Finance.Before any information is provided to Gemma she is asked to input some information about herself (similar to payscale.com questions). This allows comparison with peers.

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You & Me FinanceHow you compare to your peers

You: Rent = $200 p.w.Food = Unknown

AverageRent = $ 250 p.w.Food = $100 p.w.

After completing some of the sign-up questions Gemma can now see that she is paying less rent than her average peer. Gemma wasn’t sure about how much she spends on food per week, so she didn’t answer that question during sign-up. But, she can still see what her peers weekly spend on food is.

Gemma can update her spending habits at anytime. She also has the opportunity to link You and Me Finance to her MasterCard allowing her to automatically update spend information.

You and Me FinanceThe User Awareness Checking it

out Sign-up Wow Link with peers

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You & Me FinanceYour friend John Smith invited you to connect.

Connect or Decline

Invite friends to connect

Gemma can link with friends via You and Me Finance.

This allows Gemma to grow her network and gain understanding and support to reach goals.

Friends may have experience in areas Gemma has not (e.g. applying for a loan). They can provide guidance and rate their experience with financial institutions and financial products/services on You and Me Finance.

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You & Me FinanceGeo-Tag - Sydney

Users in your community = 10,045

Events near you:1. MasterCard

concert2. CO-OP Financial

Home loan education evening

Gemma can geo-tag herself on You and Me Finance. This allows her to link with other users in her area; and arrange face to face meet-ups.

Geo-tagging also allows partner organisations to provide offers or invitation to events that fit her profile.

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You & Me FinanceGemma’s Savings Goals

1. Fiji Trip (50% saved)

John’s Savings Goals

1. New car (10% saved)

Gemma can set savings goals for her friends to follow as well as follow and support friends with their goals.

When Gemma reaches a savings milestone (e.g. 50% of the final amount) both Gemma and her friends are alerted with a congratulatory message (e.g. Congratulations Gemma!! You are half way to FIJI!).

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You & Me Finance

Home Loans

Most Recommended:1. A Bank2. B Bank

Link with a loans expert

Gemma can continue learning about her financial situation over time. Her personal budget/spend will continue to be tracked through her MasterCard use (or by updating information manually).

If Gemma decides to buy a home she can begin the home loan research using You and Me Finance by reviewing the home loan ratings and reviews provided by her peers. She can also link with loan experts (peers who have proved their knowledge on the subject or licensed professionals).

You and Me FinanceThe User Awareness Checking it

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You & Me Finance

Financial Dictionary

ROI = Return on investment; is the benefit to the investor resulting from an investment of some resource.

Gemma can utilise the Financial dictionary component of You and Me Finance to prepare for meetings with financial professionals or check terminology when she is not sure of the meaning.

You and Me FinanceThe User Awareness Checking it

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Gemma is so impressed with You and Me Finance she becomes and advocate for the program, telling her friends and colleagues about all the the great information, support and advice she has gained.

You and Me Finance grows peer to peer networks to assist in financial decision making. The greatest asset of the program are the people that use it. The more users the more information available, the more information available the more personalised information can be made for users.