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We have the tool with which your customers can easily invest in your investment products.
An investment plan? For many it's way too binding. Placing orders via a computer? It's too tedious.
Leaving your money in a savings account? No way!
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Background- Savings behavior, interest, and examples from Germany.
Savings accounts and CODs have very low interest rates. However many people put their savings in one anyway. What needs to change?
The Germans save diligently, but often without success. They still prefer less profitable but liquid types of investment- but it doesn't need to be this way. Since the year 2000, Germans have kept their savings ratio at a constant 9 to 10% of their monetary assets (Deutsche Bundesbank, Monthly Report October 2015).
In any given calendar year between €200 and €250 billion are collected in taxes. For comparison: Public Revenue in 2017 for Switzerland was €190 billion, for Norway €182 billion and for Austria €168 billion (The World Factbook)
Because inflation has recently increased again, savers who had saved up cash or built up bank deposits lost money. Allianz calculated the loss in terms of purchasing power parity at the end of the previous year at around €35 billion. According to calculations by DZ Bank, the loss in value is even higher at up to €38 billion (Handelsblatt 17.01.2018).
Banks offfer their customers good possibilities with long term investments in their investment funds, ETFs and stocks. And therein lies plenty of potential! Did you know that only around 7% of monetary assests are invested in stocks? At the end of 2016 there were around €373 billion invested in stocks out of a total of €2.03 trillion savings deposits, demand deposits and time deposits? The trend is slightly rising (Monetary Asset Statistics from the Bundesbank, 2016).
The following details are also interesting: a quick look at the typical savings deposit amount will show that 53% of them are less than €200.00. (Bank of Scotland – Sparekompass 2016).
Together we would like to reach out for these clients – by using our app!
95% of the population has a smartphone. Our app gives you the possiblity of allowing these people to invest in your investment funds.
Easily, quickly and safely.
WhiteLabel App Click&Save
With our app you acquire all of these benefits for your customers to use at your bank.
Invest on the stockmarket with 3 clicks
Nowadays nobody leaves the house with a mobile phone: we make phone calls, plan our days, take photos, record videos and send messages and documents. We can listen to music or watch our favorite series. We can read menus, reserve a table, and receive driving instructions all the way to our parking space. We even break up via a mobile. Just as easily as we do all of the above, your customers can handle their investments over Click&Save. All that they need to do is to register, add a bank account and complete the POSTIDENT procedure. Afterwards your customers can begin to invest in just 3 clicks!
We want to bring customers to the stock market that have until now been hesitant.
Instead of endless possibilities, we would like to convince them with a few clear prospects. Our test version offers 5 investment approaches: conservative, balanced, dynamic, sustainable, and call money. This selection can of course be expanded. A customized configuration designed from 40 well-known investment funds, in order to offer less risk-averse customers more options is easily conceivable. It is also possible to shrink the selection to give your brand another image. Our opinion: the more concise the selection of investment possibilities, the stronger the app.
The value of your client's portfolio at a glance.
There's no longer a need to scroll or click through many pages! With Click&Save the current value of your portfolio is always easy to see in the app. We want to give our users the feeling of security and being in control.
The app “from my” bank.
The willingness to change banks has been increasing. Often even small account maintenance fees can cause customers to change banks. Customers with savings accounts want to feel that their money is in good hands- my portfolio is in good hands. Therefore, we have decided upon a B2B business model instead of a B2C.
For investing in your children and grandchildren’s futures.
Saving for some is sensible, for others it’s meaningful. Click&Save offers a feature which allows grandparents to invest on behalf of their grandchildren, and parents for their children. And this just as easily and conveniently as for themselves: in just 3 clicks.
Invite Friends
Are your customers excited about Click&Save? They’ll promote it by word of mouth or through our built-in sharing feature- we’ll find more than enough incentives.
INVESTMENT MADE SIMPLE
STRAIGHTFORWARD
TRUSTWORTHY
UPGRADEABLE
1. Freely configurable white label app
We will develop customized app based on your marketing concept:
• Your range of financial products (ETFs, money at call, stocks)
• Within your desired scope of functions such as investment plans, user invitations
• Drafts for your corporate logo
• Links to your existing API
• Shared storage between the app and server: lock and key principle
• Asymmetrical encryption and IP filtering
• Link to your API 3 months after the placement of your order
• customization for your design after 2 weeks
2. Service and Support
for your/our customers
Our licensing model is intended to ensure all users that customers are licensees, that is, your customers. Click&Save provides support on behalf of licensees.
Our system currently covers 1 million users. We want to provide these users with round the clock reliable service and competent support. We guarantee this through a monthly service fee. This fee only applies to active users- that it users who actively invest and is not per download.
The support costs could match the cost of a good espresso, but also decrease as the amount of users increase. Exact figures can be quoted in person.
3. Continual development of use
You are in good hands even after the programming of the app and linking to the APIs. We will continue to optimize the app together with you and your team, both from the technical side as well as in terms of content. Even at the time of writing (December 2018) there already an array of elements from gamification and chatbots that are waiting to be implemented by your bank.
Through PHDSoft-Ingenieure GmbH by the entrepreneur Phillip Dedie, Click&Save offers the possibility to react to new technological developments on short-notice. An experienced team from IT project management and development guarantees that specific solutions can be developed from your ideas: a nationwide network ensures that you will receive on-the-ground support.
»Our App, your marketing«
We see our software as a tool. Together with your marketing concept, we can develop Click&Save into a productive and successful tool. Its intuitive usability and monofunctionality offer the potential to use the app for its intended purpose: to invest immediately and confidentally.
PHILIPP DEDIÉ
founder - physicist
CEO of PHDSoft Engineers -
IT project management
»Persistent and Longterm«
A start-up is not always just a start-up. We are a team of 3 independent businessmen with over 15 years of experience being self-employed. Every morning when we wake up, we have a new brilliant idea- but after breakfast we pursue what we have already begun: to establish Click&Save as a long-term service provider in the field of FinTechs.
KAI WEHRHEIM
founder, lawyer,
software developer
of a software for law firms
»More is more.«
Click&Save should be like a Swiss Army knife in the pocket of your customers: small, light and practical. Your website would remain the main platform and/or connection to your customers. With it, you can direct your brand and demonstrate comprehensive services and consultation competency to include anything from pension plans to interest rate policies.
JAN EHRICH
founder, product designer,
social media manager
UX design
We are looking forward to your inquiry and getting to know your team to answer your questions.
Tel. +49 (0)531 / 702163-12
