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  • Micro-Savings
  • Micro-Insurances

Micro-savings

A simple way for users to kick-start their saving journey, by setting-up small saving goals and plans. Our micro-service was designed using behavioral economics principles and automated rules. Thanks to our micro-saving module users can save more than 2.500 euros per year without noticing.

Microsaving Coinscrap Finance

Micro-savings

A simple way for users to kick-start their saving journey, by setting-up small saving goals and plans. Our micro-service was designed using behavioral economics principles and automated rules. Thanks to our micro-saving module users can save more than 2.500 euros per year without noticing.

Why a Micro-Saving Module
in my bank?

Reasons

  • MS module users are able to save more than 2.500 Euros per year without changing their spending habits.
  • MS engages with users at least once a week the latest achievements.
  • MS user’s uses goal-based approach that helps people to visualize what they are interested in persuing and placing their finances in order.

Benefits

  • Integrating seamlessly with every online and core banking system.
  • Improve your user’s saving ratio.
  • Initiate automated actions to help the client adhere to the plan and reach financial targets.

Goal-based Planning

Users can choose between different financial goals and time horizons.

The outcome of the configuration is a saving plan with a weekly monitorization process.

Rules

Users can automatically save without noticing using our saving rules.

The rules can be activated and deactivated at any time.

Gamification

Comparisons between user’s habits (Savings on average, number of steps..)

Savings rules regarding sports (Football or Goals).

Penalties and rewards depending on the user’s habits (No caffeine, No tobacco…)

The Rules of the Game

Our rules are easily activated and deactivated. They help the user grow their savings in record time.

Round Up

Save the difference between your purchase and the nearest euro by accumulating those cents. Give speed to your savings by rounding up to 2€, 3€, 5€...

% Incomes

The users who activate this rule saves a % of all their income (payroll, transfers, returns...) They can select between 1% - 20%. of their income.

Steps

We connect with GoogleFit and depending on the achievement of the daily steps goal, we establish a saving. Being in shape has a reward!

Solidarity

The users donates a % of their savings to an NGO. At Coinscrap we have an agreement with the Spanish Association against Cancer.

Team

The users choose their favorite team. We connect to all official matches and every time that team wins, the application automatically saves 1€.

Hot Saving

This is a saving that the users can make at any time and for the amount they want. The best way to boost your savings.

Periodic Contributions

By activating this rule, we will make periodic savings. It is the user who chooses the amount, the periodicity and when to start.

No Caffeine
No Nicotine

For every coffee you stop drinking, the application will save 1€ but if you cannot resist smoking, you will be penalized with 1€ for every cigarette.

Partner &
Sector

Projects with loyalty or reward programs that are obtained by detecting movements associated with a specific partner or sector (electricity, water...).

Improve your KPI's

Offer your users 100% digital protection with the best user experience.

Improve your user’s hiring ratios.

Integrate a new source of revenue by improving the financial margin with each user.

Micro-Insurances

The micro-insurance module developed by Coinscrap has made it possible to simplify the life insurance contracting process, making it 100% digital, with no exams and no waiting. This module is very easy to integrate into different sales flows, increasing the contracting ratios and increasing the commissions obtained.

Microinsurance Coinscrap Finance

Micro-Insurances

The micro-insurance module developed by Coinscrap has made it possible to simplify the life insurance contracting process, making it 100% digital, with no exams and no waiting. This module is very easy to integrate into different sales flows, increasing the contracting ratios and increasing the commissions obtained.

Why a Micro-insurance Module
in my bank/insurance

Reasons

  • In Spain only, 58% of people over 18 years of age do not have a life insurance.
  • 6 million households have a mortgage loan and only 37% are insured.
  • One of the main reasons for not taking out life insurance is that users often find them too complex to understand and with small print.

Benefits

  • In the life micro-insurance module, we have simplified the contracting process by increasing the contracting ratio of your users and the commercial margins.
  • The technological solution is turnkey and therefore requires hardly any extra development for implementation in the bank or insurance company's systems.
  • The module can be integrated very easily at different times of sale, which eliminates difficulties in the contracting process.

Who is this module for?

Financial Institutions

Insurances

Brokers or Insurance Corridos

Agents or mediators

Caser Partnership

Conjuntamente con CASER seguros hemos desarrollado un micro seguro de vida que tiene las siguientes características:

Coverage

  • Only Deceased
  • Deceased + Absolute permanent disability

Capitals

  • Minimum 30.000€ of capital
  • Maximum 180.000€ of capital

How does it works?

We have simplified the process as much as possible so that you can follow them in simple steps:

  • Choose the capital to insured.
  • Answer 4 questions about your health and lifestyle
  • Decide the frequency of the payment

How does your life worth?

With just 10 simple questions, we can help you calculate what capital you should select to protect the aspects of your life that concern you the most:

  • Protect your family's loss of purchasing power
  • Protect the payment of your debts.
  • Protect your children's education.

Our Secret Sauce

Easy

Hire online, without medical exams, paperwork, or visits to sad offices.

Fast

Don’t wait months. Get your quote in seconds and sign up in just a few minutes.

Affordable

From about 8€ per month, you can have coverage from 30.000€ to 180.000€.

Improve your KPI's

Offer your users 100% digital protection with the best user experience.

Improve your user’s hiring ratios.

Integrate a new source of revenue by improving the financial margin with each user.

Request a Demo

Find out why top global banks and insurers choose Coinscrap’s financial services for their corporate financial management.

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