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透過下載這家位於雪梨的公司的應用程序,客戶可以附上他們的信用卡或借記卡詳細信息,並應用允許購買的演算法
Technology company Raiz Invest (ASX:RIZ) is helping hundreds of thousands of Australians prepare for a more sturdy financial future with its virtual coin jar.
科技公司 Raiz Invest (ASX:RIZ) 正在透過其虛擬硬幣罐幫助數十萬澳洲人為更穩健的財務未來做好準備。
Customers download the Sydney-based company’s app, attach their credit or debit card details and apply an algorithm that allows purchases to be rounded up to as much as $3.
顧客下載這家總部位於雪梨的公司的應用程序,附上他們的信用卡或借記卡詳細信息,並應用一種算法,允許將購買的商品四捨五入到最多 3 美元。
The extra sum is then deposited into an investment portfolio that can be allocated to a defined package made up of shares, ETFs, residential property or Bitcoin.
然後,多餘的資金將存入一個投資組合,該投資組合可以分配給由股票、ETF、住宅物業或比特幣組成的特定組合。
It sounds simple – and so is its genesis.
這聽起來很簡單——它的起源也是如此。
Back in 2012, United States finance sector identity Jeff Cruttenden – whose father Walter founded the investment banking unit of the Morgan Stanley-owned online broker E*Trade – was lamenting not having enough money to quench a thirst.
早在 2012 年,美國金融界名人 Jeff Cruttenden(他的父親 Walter 創立了摩根士丹利旗下線上經紀商 E*Trade 的投資銀行部門)就在哀嘆沒有足夠的錢來解渴。
“He was sitting there one day in the pub and they couldn’t afford a beer,” Raiz managing director Brendan Malone told Bulls N’ Bears.
「有一天,他坐在酒吧里,他們買不起啤酒,」雷茲總經理布倫丹·馬龍告訴公牛隊和熊隊。
“So, he came up with a solution, his dad helped him take the concept to reality and Acorns was born. It’s all about small amounts over time because small amounts consistently over time add up.”
「所以,他想出了一個解決方案,他的父親幫助他將這個概念變為現實,Acorns 就這樣誕生了。隨著時間的推移,這一切都是關於少量的金額,因為隨著時間的推移,少量的金額不斷累積起來。
Acorns is an American financial technology and services company that Raiz joined in an Australian joint venture (JV) in 2015, forming the basis for the latter’s build to currently some 308,000 active customers.
Acorns 是一家美國金融科技和服務公司,Raiz 於 2015 年加入了一家澳洲合資企業 (JV),為後者目前擁有約 308,000 名活躍客戶奠定了基礎。
By enticing a raft of high-profile celebrities including entertainment icon Jennifer Lopez, baseball great Alex Rodriguez and U2 frontman Bono to invest in Acorns, the company has taken an exponential growth path, with more than nine million users and US$15 billion (AU$23 billion) invested through its platforms.
透過吸引包括娛樂偶像珍妮佛洛佩茲、棒球巨星亞歷克斯羅德里格斯和U2 主唱波諾在內的眾多知名名人投資Acorns,該公司走上了指數級增長道路,擁有超過900 萬用戶和150 億美元(23 澳元)億)透過其平台投資。
Piggy-backing on that success – and with an enduring and perpetual licence covering the world, excluding the United States – the Raiz Invest app was launched in 2016 as a 50:50 JV with Acorns and new investors.
憑藉這一成功,Raiz Invest 應用程式於 2016 年以 50:50 的比例與 Acorns 和新投資者成立的合資企業推出,並獲得了覆蓋全球(美國除外)的持久和永久許可。
The company then floated on the ASX in 2018, initially providing online micro-investment and superannuation services to its customers in Australia, Malaysia and Indonesia.
該公司隨後於 2018 年在澳洲證券交易所上市,最初為澳洲、馬來西亞和印尼的客戶提供線上小額投資和退休金服務。
The foray into Asia, however, proved a bridge too far and with costs spiralling, the company reluctantly beat a retreat in late 2022 to drive cost reductions and set a sole focus on the Australian market.
然而事實證明,進軍亞洲的計劃太過遙遠,而且隨著成本不斷上升,該公司不情願地在 2022 年底撤退,以推動成本削減,並將重點放在澳洲市場。
The move proved seminal, with a quarter-on-quarter drop in operating cash burn of 88 per cent and although customers numbers effectively dropped by 50 per cent at the time to 287,000, the company has since increased funds under management by 40 per cent to $1.4 billion.
事實證明,這一舉措具有重大意義,營運現金消耗環比下降了88%,儘管當時客戶數量實際上下降了50%,降至287,000 人,但該公司此後管理的資金增加了40%,達到287,000 人。
Furthermore, the company’s recent financial results show that quarterly revenue is growing strongly – up 28 per cent on the previous corresponding period to $5.5 million.
此外,該公司最近的財務業績顯示,季度營收成長強勁,較上年同期成長 28%,達到 550 萬美元。
Management says the business has now delivered four consecutive quarters of positive operating cashflow and is expected to keep the momentum growing in the first half of the current financial year.
管理層表示,該業務現已連續四季實現正營運現金流,預計本財年上半年將維持成長動能。
According to Malone, part of what is driving growth is a strong tailwind from customers who are increasingly looking at savings strategies to combat the global cost-of-living crisis.
馬龍表示,推動成長的部分原因是來自客戶的強大推動力,他們越來越多地尋求儲蓄策略來應對全球生活成本危機。
“In the end, I want to have a whole cradle-to-grave type of mentality where the Raiz kids move into their late teens and early 20s and there is a superannuation product to take them through their accumulation phase,” Malone said.
馬龍說:“最後,我希望有一種從搖籃到墳墓的心態,讓 Raiz 的孩子進入十幾歲和二十歲出頭,有一個退休金產品可以幫助他們度過積累階段。”
“And we hope to build a pension or retirement income strategy so the accumulation phase can roll into the pension phase.”
“我們希望建立退休金或退休收入策略,以便累積階段可以轉入退休金階段。”
As a software as a service (SaaS), Raiz’s business model includes a $4.5 fee per month for technical maintenance, an account management fee for balances of more than $20,000, advertising revenue from a unique Raiz Rewards cashback program and a netting fee.
作為軟體即服務 (SaaS),Raiz 的商業模式包括每月 4.5 美元的技術維護費用、餘額超過 20,000 美元的帳戶管理費、來自獨特 Raiz Rewards 現金返還計劃的廣告收入以及淨額結算費用。
Once the company – which is operating under a general advice license from the Australian Securities & Investments Commission (ASIC) - receives funds from a new customer, it presents a selection of nine diverse exchange-traded funds (ETFs).
該公司在澳洲證券和投資委員會 (ASIC) 的一般諮詢許可證下運營,一旦收到新客戶的資金,它將推出九種不同的交易所交易基金 (ETF)。
The ETFs span a range from conservative to aggressive, catering to various risk profiles.
ETF 的範圍從保守型到積極型,可滿足各種風險狀況。
After the customer decides what their preferences are, money is automatically drawn from their nominated bank account with each purchase and allocated to the chosen portfolio once daily.
客戶決定自己的偏好後,每次購買時都會自動從其指定的銀行帳戶中提取資金,並每天一次分配到所選的投資組合中。
But possibly the most interesting part of Raiz’s business model is its connection to retail brands and their loyalty programs.
但 Raiz 商業模式中最有趣的部分可能是它與零售品牌及其忠誠度計劃的聯繫。
Throughout the years, loyalty programs offered by retailers have ranged from points – think Woolworths with its “Everyday Rewards” or Coles with its “Flybuys” scheme – to discounts on future purchases with privilege cards that progressively offer higher discounts the more a customer spends … and everything in between.
多年來,零售商提供的忠誠度計劃範圍廣泛,從積分——想想Woolworths 的“日常獎勵”或Coles 的“Flybuys”計劃——到使用特權卡在未來購買時提供折扣,顧客花得越多,折扣就越高…以及介於兩者之間的一切。
Raiz, on the other hand, offers its customers the opportunity to transfer that loyalty into cash, which it then invests on their behalf in their portfolio.
另一方面,Raiz 為客戶提供將忠誠度轉化為現金的機會,然後代表他們投資於他們的投資組合。
Typically, retail brands offer a discount
通常,零售品牌會提供折扣
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