Abstract:
This capstone proposes a two-phase reinvention that aims to address endemic financial exclusion and low financial literacy and resilience in the post-pandemic era. The approach combines both entrepreneurial practice and the strategy and decision-making models studied in Module 1 and Module 2.
In Phase 1, the proposal introduces an AI-enabled voice assistant for households that aims to assist financial literacy, healthier money behaviours, and achieve collaborative learning via simulation. This learning resource generates a role of mentor/coach to create intergenerational learning opportunities while being strictly non-regulated and privacy-respecting.
In Phase 2, the vision evolved into a regulated community-governed financial platform. The platform, focused on democratic governance and transparency, aims to provide peer-to-peer lending with ethical access to credit and build household resilience. Compliance safeguards, voting thresholds, and reporting transparency are intrinsic to the second phase, adding credibility and trust to certainty.
Author:
Emanuel Doroscan
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