Proposition
Unique Selling Points
- no knowledge persistence
- chat-based interface
- beginner-to-professional model control
Three Offers
Local (free)
- purpose: marketing
- processing: local
- persistence: local (browser-based)
- model: single scenario
- visibility: private
- user: unknown
Personal (£1 a month)
- purpose: market presence, safe cash cow,
- processing: local
- persistence: encrypted on server
- model: multiple scenarios
- visibility: shareable
- user: single
Note on price: might not be offered monthly due to transaction costs e.g.: https://stripe.com/en-gb/pricing
Professional (£10 a month + cloud charges)
- purpose: strategic functionality, product growth, new markets
- processing: local + cloud for goal-seeking & scenario planning
- persistence: encrypted on server
- model: multiple scenarios
- visibility: shareable, can view shares
- user: shared & hierarchical
- define user relationships in terms of shares?
Target Users
- individuals for private financial planning
- Local and Personal offers
- IFA’s for third party financial planning
- Professional
- organisations for (financial) optimisation
- Professional
Why IFA’s?
They introduce complexity orthogonal to main functionality - sharing, locking etc. So why? Two reasons:
- stepping stone to strategic generic optimisation tool at all scales
- embrace a potential competitor to personal market, perhaps even synergies
What about support?
- what’s the model?
- what’s the technology?
- what’s the cost?