The Quid Corporation
Jesse Martini 3149486 04/22/2019 INDS-4007-004
Research Questions. How are we teaching Financial Literacy?
What is Financial literacy?
According to Investopedia : “Financial literacy is the education and understanding of various financial areas including topics related to managing personal finance, money and investing. This topic focuses on the ability to manage personal finance matters in an efficient manner, and it includes the knowledge of making appropriate decisions about personal finance such as investing, insurance, real estate, paying for college, budgeting, retirement and tax planning.” Based on that we can look at where someone can get that education, school seems like a logical place to learn skills needed for life right? Well, not exactly the case. Not until now has it really been included in the curriculum. Leaving thousands without clue on most things. The most I remember from my school education is calculating rates and percentages, which is good for loans and mortgages but that’s about it. Outside of that our curriculum is lacking personal finance, money and investing.
How can we gain this knowledge?
Well it makes the most sense would be to ask your parents, they may be fluent in investing or have money invested. What’s the next best thing to that? A friend that’s done some investing. Both of these can only tell you what they have done though and can’t pick exactly what is the best solution for you. The you have the potential to see a financial advisor, which will lead you in the right direction as they know these things the best however they tend to be costly. You can do your own searching by reading up on websites like Forbes, or Investopedia, or even buy books like Investing for Dummies. However those are all reading based and lets be honestly reading is timely, and not the greatest way to learn.
What are the best ways for people to learn?
People learn in many different ways as well as have different learning styles. Some people Learn more kinetically learn by physically touching and touching. Others learn by visuals seeing things done and diagrams. There is also auditory and reading forms of learning. These can be branched down even more however people tend to have some trends in learning. Things like trying to in corporate as many senses as possible help people to remember things. Story telling also has an excellent affect on the memory, having a beginning, middle and end helps people keep a story line. Humans also find it easier to learn things by completing exercises to help them remember things and place them more easily. Whether you are musically inclined or not music helps us remember a lot, probably the reason you remember that top 40 song from 2008 but not your best friend’s phone number. Humans can be taught thing and remember then more easily through patterns, Icons, symbols and colour associations. For some reasons things in threes as well as weird facts have a good sticking effect as well. Perhaps the most important thing is the want to learn, the interest in the topic always makes it better and more comprehensible.
How can we make financial literacy make sense?
The goals is to create a system that breaks down how investing works, breaking down all the part into a simple version. Allowing the user to grasp how they system works, as well as figure out how each kind of investment works, which are the best for them, and how to use them.
Ideal Scenario: The client downloads the app, upon the first opening of the app the client creates an account to save all progress within the app. The client then begins picking what they want to learn about; whether it be Stocks, Mutual funds, bonds, RESPs or RRSPs. The user then goes on to the next screen selecting their learning style, or a combination of learning styles. The Artificial intelligence, then sets up a learning plan that best fits the way that user learns.
The day to day use of the app include the user being greeted and a large begin button popping up, this begin button prompts a slider that allows the user to select how in depth they want to get within the lesson today. It can range from a 5 minute to a 30 minute lesson depending on the users interest level and amount of time they have on a given day. The lesson is then selected based on the users learning style and topic, it could be anything from; audio files, diagrams, games, or visuals. After the lesson is complete the user is asked to answer a few multiple choice questions. This daily quiz is used to assess how much knowledge was absorbed that day. This can be used to adjust future lessons and see what needs to be covered again.
The progress pages lets you see how far into your financial literacy journey you are. The page will allow you see how complete you knowledge is at each stage of your journey. It will be pared with a previous lessons page that allows you to see the lessons you have recently completed. This will also let you see the results of your quizzes and which lessons you need to work on more and fill your knowledge in more. This can also guide you toward investing platforms your are more comfortable with and understand better to start with while you increase your knowledge of the others.
Once you are more comfortable with investing and have a better idea of the market you can move to the simulator. The simulator will use real world stock data companied with a fake bank roll to help you create a risk free portfolio. This will allow you to buy and sell stocks, allowing you to gauge if you know how they system works, and seeing if you could manage it on your own, with no financial risk to you. The market will rise and fall just like that real world market, your bank roll will shrink and hopefully ultimately grow. As you navigate and make the market work for you. Allowing you to play with high risk and low risk investments, seeing the potential in the returns and gains of them. Along with seeing what can cause them to rise and fall within the company. It also gives you a feel for the power of a diverse portfolio, showing you the importance along with combinations. Letting you see what sort of strategy you want to play in the market.
Now once you learn the market what do you do?
This leads us to the Quid Corps physical items, which is why the app includes a store. Within the store you will find visualization aids for the user, who is new to the market. The forms of these aids will be in the form of lights. These lights will allow the user to monitor their investments with the rising and lowering of the lights. The rising and lowering will be done by motors incased in the light that are synced to the internet. The lights are programmed and labeled through the app. You can select your stocks and which light you want to represent which stock. The light can then be colour coded for each stock using the Philips Hue bulb system. In this the lights can also be set in the app to be a normal dinning light with white light, and steady height. Or switched to the colourful stock monitoring setting and raised and lowered all day as the market moves.
Why do we need this?
Well, investing a bunch of money can be scary for a new comer to the market. The light creates a piece that can be seen at all times, without he need for opening apps and looking at weird graphs and numbers trying to figure out if you are up or down. The simplicity and constant watch of seeing “hmm that light is really high I should sell that before it drops”, or “that’s pretty low might need to dump that” makes it much easier to play the market. The purpose is to create and education system that teaches people the ways to invest and then from there help them watch and make sense of their investments. It’s creating a way to make it easier for the average person to navigate.
However all of this exists right now, these lights can be made tomorrow and shipped in a month, this app can be programmed by a capable programmer in 3 weeks. On top of that these lights with the motors and all are costly and not a whole lot of bang for your buck.
The next step is taking the plunge and actually investing. But we have a aid.
Set one is adverstising. The user group most likely to embrace this will react to advertisements on, Apps, Instagram, Youtube, Snapchat. Basically any social media platform will be the best race to entice the wanted audience. Again once you have some download it, you have word of mouth.
Maker- Programmer
This hopefully leads to them downloading the app.
Designer - UX designer; Wire frames, app, Graphic designer Advertising agency, copy right
Once with in the app the user sets up their account, they are asked what they want to learn.
User
Tailoring the learning plan to their goals and interests.
Then the daily lessons begin, letting the user pick how much time they have to learn.
Once the user has learned a bit the can test their new skills on the simulator.
The simulator will use real world stock data companied with a fake bank roll to help you create a risk free portfolio. This will allow you to buy and sell stocks, allowing you to gauge if you know how they system works, and seeing if you could manage it on your own, with no financial risk to you. The market will rise and fall just like that real world market, your bank roll will shrink and hopefully ultimately grow.
Within the store you will find visualization aids for the user, who is new to the market. The forms of these aids will be in the form of lights. These lights will allow the user to monitor their investments with the rising and lowering of the lights. The rising and lowering will be done by motors in case in the light that are synced to the internet. Allowing you to see when to buy and sell so you don’t lose your shirt.
Maker- Programmer, Light manufacture
System Map
This is to help with market visualization.
The goal is to make the graphs of tradition markets make sense.
User
Within the app you can change the light settings, for instance which stock they represent, and what colour you want to signify that stock, so you know which is which. It will also allow you to set the light to a regular light, or visualize the stock market.
To Exit the light can be used as a decoration piece once you have a grip of investments.
Renderings
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40
5
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5/8 2 15/16
20 1/4
12 3/4
2 15/16
11 1/2
Orthographic
Bill of Materials Breadboards $10.50 Wiring $11.00 First set of servos $18.00 Second set of servos $26.00 Lights $45.00 Power bar $26.00 Bulbs $21.00 Steel $15.00 Shades $58.00 Total $230.00 Labour 20 hours @ $23 an hour $460.00 Grand total
$690.00
Building Process This light was made by 3d printing each shade in a 3 hour printing process. Almost all the parts where ordered on amazon, from the pendant lights, to the bread boards, wiring, bulbs, servos. After the shades were printed I went on to making the housing. The housing is 16 gauge steel sheet metal that was stamped, cut, bent and then welded together. Once that was complete I drilled the 4 holes for the lights then welded the I beans in to support the lights. The the housing was straightened from welding warp. A gentle grinding was done on the box to clean it and prep it for paint. A light coat of black spray paint was added t coat and protect the metal. Once this was dry it became time to program the servos. Arduino was used as the computer driver if the servo. After cooking 4 servos purchased on amazon I ordered a beefier one off amazon. Then programmed it and starting putting the components in. Once I was happy with the lay out I secured the breadboard down with the provided adhesive. The Fused the servo to the metal with JB weld. Cleaned up the wires around the I beams and attached chains to hang the light.
Prototype
Code Code //Creating for loop //Add the servo library. This Library is stanrt library #include<Servo.h> //Define our Servos Servo servo1; Servo servo2; Servo servo3; //Servo position in degrees int serPos = 0; void setup() { // define servo signal inputs(digitalPWN 3-5-6) servo1.attach (3); servo2.attach (5); servo3.attach (6); } void loop() { // scan form 0 to 180 degrees for(serPos = 0; serPos < 270; serPos++) { servo1.write(serPos); servo2.write(serPos); servo3.write(serPos); delay (100); } //now can back from 180 to 0 degrees for(serPos = 270; serPos > 0; serPos--) { servo1.write(serPos); servo2.write(serPos); servo3.write(serPos); delay (100); } }
Large Scale Manufacturing The electronics would be outsourced and specifically made for the light with the exact power source needed for the number of lights. The steel would be stamped in the shape using a much thinner gauge, The stamped metal would have a plate to secure the light to the roof in a proper setting. I didnâ&#x20AC;&#x2122;t have access to these tools, the lights would move on similar set ups to the I beams they are in now. There would need to be bolts holding the servos in. The computer would need to be smarter and wifi enabled. The lights would still be pendulum lights however they would need to be shorter to leave less residual in the light housing. The shades should be extruded out of eco plastic and painted in multiple colours. The process would go stamping, electronics placement and fixation. The it would have the lights added in to the housing, they would be set up and tested. Then boxed and shipped. The process would definitely be automated in an assembly line process to cut costs significantly. It would have stamping and spot welding for the housing. The electronics would be bolted or vulcanized to the metal. The shades would be extruded by the half dozen at a time saving time. The wiring would have tie downs to make it neat as well as markings in order to know which is which. The packaging would be molded pulp to keep form.
App
Bill of Materials App Programing
$10,000.00
Total $10,000.00
Partners and/or Competition Partnerships: Lighting • Philip’s Hue • Artcraft • Corbett • Craftmade • Currey • DVI • ET2 • Elan • Feiss • Golden • Hubbardton Partnerships:Tech • Amazon: echo, Alex, internet of things devision • Google: Home,Voice controls, Stats, Internet of things • Kinetic lights: motors for lights Partnerships:Other • Marketwatch • Invetopedia • Dummies by Widley
Behavior Canvas Generates the Business
Teach Financial Literacy
Help Millennial
Fill in where schools fail
Completes the behavior cycle
This creates business
Apps and Lights
This compels the user
Self Education Using Market offers as not intended
Making money work for you
Making More money
Allowing New people into market
Removing the Blindfold Starts a new business cycle
Sustains Business
Financial Advisors losing commissions
Important documents when you need them easily
Behavior Canvas What is this all saying? This is saying that the goal is to create an educational environment that extends outside of the realms of just being a learning system. We want to encourage a conscious investor in order to all people to be informed and not lose their shirt on investing. We want people not feel confused and robbed. We want people to be actively involved in their finances.
Where is the Future?
Artificial Intelligence is the future. AI is already tracking so much of what we do daily, it learns how we text, suggests words for us, watches what we watch and listen to and recommends what we should watch next. It watches our bank account and looks for purchases that are really random and gives us fraud warnings.
Where is this going?
Well AI knows our learning styles and interests better than we do, and that would be a huge help to developing what each individual person needs to learn and how they should be learning it. It can help to create the utter most tailored to you lesson plans. If it can access your financial records, it could even figure out what you need the most to be more financially stable. While also bringing forth the companies you agree with most and recommending stocks based upon your views. It can figure out the best way to update you on your investments, whether it be visuals, or readings or a simple voice note.
What about modern visualization?
Mixed reality. If artificial intelligence has figured out how you see and understand things the best why canâ&#x20AC;&#x2122;t it create those visuals for you? We are consuming more data and content digitally than ever before. Why not use Magic Leap Goggles to show me the graphs and visuals of my stock in my living room in real time without buying a $650 light that the motors could go on. Especially because the graphs are charts are tailored to me and my investments. Showing me them at a lower cost, with a device Iâ&#x20AC;&#x2122;m already using to enjoy 3D Content. This of course is assuming we still us traditional banks instead of moving to blockchain and transferring currency person to person. This also require there to still be multiple brands to buy into the feed the markets for you to investing. The change is coming. How long before Soap soap is just soap that you get the option of bar, liquid or foam. There is also the potential for use to no longer need loans with subscription services. What is the need to be rich if we all order clothing from the clothing company. All get around in the same car autonomously driven by car corporation. Will we really need a light like this? Will we really need this form of education?
Relevance in Technology
Shave Club
Ikea AR
Google Stadia
Ring
Google Cardboard
Nest Google Home
Oculus
FaceTime Intsagram
Instagram Live
Philips Hue
HTC Vive
Twitch Facebook
Nike Fuel
Fitbit
SnapChat
CraveTV YouTube
AirPlay
DropBox
Apple Music
Apple Watch
Netflix
Youtube Live
Facebook live
iCloud
Siri
Skype
Bird
Uber
Coin Square
Spotify
Moneitized
Amazon
Google Drive
Alexa Google Docs
Apple Maps Chrome Cast
Moneitized
Prime Video
Yosemite Card Apple Credit Card
Amazon Music Apple Pay
E commerce
Relevance in Technology
Shave Club
Ikea AR
Google Stadia
Ring
Google Cardboard
Nest Google Home
Oculus
FaceTime Intsagram
Instagram Live
Philips Hue
HTC Vive
Twitch Facebook
Nike Fuel
Fitbit
SnapChat
CraveTV YouTube
AirPlay
DropBox
Apple Music
Apple Watch
Netflix
Youtube Live
Facebook live
iCloud
Siri
Skype
Bird
Uber
Coin Square
Spotify
Moneitized
Amazon
Google Drive
Alexa Google Docs
Apple Maps Chrome Cast
Moneitized
Prime Video
Yosemite Card Apple Credit Card
Amazon Music Apple Pay
E commerce
Everything on the last slide that is highlighted has one thing in common. They are all subscritptions, our society is moving away from ownership, we are moving to subscriptions fro everything from transportation to health and beauty products. Moving to subscriptions means less ownership for big purchases like cars, which means less loans being taken out.
Relevance in Banking Yosemite Cardl
Algorithms Bonds Block Chain
GICS
Apple Credit card
Stocks
Chequing
Crypto Currency
RESP
Visa
Scotia Bank
Bit Coin
Ethereum
Peer to Peer Transfers
Savings
E Transfers
Banking
CIBC
Global Currency
Fees
RRSP
Bank Of Canada
RBC
Crowd Funding
Credit
BMO TD
Deposits
Opportunity
Tangerine
Simplici
Loans Credit Unions Mortgages
Amex
Money Management Gaining
Master Card
Trust Security
Empowering
Appreciating
Relevance in Banking Yosemite Cardl
Algorithms Bonds Block Chain
GICS
Apple Credit card
Stocks
Chequing
Crypto Currency
RESP
Visa
Scotia Bank
Bit Coin
Ethereum
Peer to Peer Transfers
Savings
E Transfers
Banking
CIBC
Global Currency
Fees
RRSP
Bank Of Canada
RBC
Crowd Funding
Credit
BMO TD
Deposits
Opportunity
Tangerine
Simplici
Loans Credit Unions Mortgages
Amex
Money Management Gaining
Master Card
Trust Security
Empowering
Appreciating
With the idea of subscription based society, why are we still looking at banks for money, and loans? if we donâ&#x20AC;&#x2122;t need to make purchases like houses and cars why do we need a loan? We donâ&#x20AC;&#x2122;t which gets ride of the fees we all hate. How would we buy things though? Peer to Peer currency exchange through blockchain.
Branding Signals
Cascade
Bounce
Q-Tips
Crest
Klondike
Dawn Braun
Nexxus
Cornetto Dove
Charmin
Downy
Degree
Hellmen’s Axe Knorr
Febreze
Gain
Head & Shoulders
Gilette
Oral B
Mr.Clean
Cif
Scope
Olay
Tresemme
Breyers
Bounty
Lipton
Vaseline
St. Ives
Magnum
Clear Spotify
Puffs
Surf
Rexona
Swiffer Tide
Pure Leaf Old Spice
Vicks
Sunlight
Cheer
Lever 2000 Amazon Basics
Ivory
Ben&Jerry’s
Why is the brand map important? Well there is only 2 companyâ&#x20AC;&#x2122;s on it P&G and Unilever. They control most housing good needs. From soap to razors. Amazon is starting to remove the once touch ordering of specific brands with the removal of the dash buttons. This means we could soon look at a brand less future. No brands means no corporation. No corporations to invest in no stock market.
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