Hi Essma - we appreciate your kind words and encouragement! We feel that their are many financial goals that can would incentivize students to become financial literate and that these goals will certainly vary by age, demographic and gender. For instance, a teen who just obtained their license may be interested in purchasing a used car - we intend to utilize our dashboard to manage, track and report on how your are tracking towards a particular goal. Similarly, a user can identify a stretch goal and understand what changes in lifestyle or spending would be necessary to tweak to reach that goal.

We mention above that many millennials and Gen-Z are shifting towards working non-traditional hours as well as more "gig" or freelance-like opportunities. We believe that we can incentivize users (both students and parents) through ease of access to valuable information (e.g. your dashboard and where you stand today) as well as having a platform where parents can monitor and ensure that their child is saving and spending appropriately. The parent is a key-user insofar that they will have a responsibility and opportunity to reinforce financial literacy.

We are also certainly considering the social aspect and agree that this is a key to the platform. You will be hardpressed to find a site these days that doesn't have federation to allow users to login via any number of social platforms. As mentioned in a comment below, we believe that our course and accreditation would be more valuable if it were accredited in the real world. One idea was to include course badges and accreditation via LinkedIn to notify potential or future employers of a candidates financial literacy. We have found that financial literacy and an understanding of your finances (as well as goals) is an indicator of critical thinking and sound decision making.

Please let us know if you have any additional questions or any follow-up to the items above. Separately, we totally encourage you to share some ideas on what you think would be engaging for teens that we should consider.

Hi Adrien - thank you so much for your encouragement and kind words! You've added a bright spot to our day and have helped motivate us further!

The course/chapter curriculum is a foundational element to this platform and is certainly a key to our success as well as our differentiating factor. Compelling and engaging content will need to encourage users to continue their journey and influence others to join as well.

Please share any ideas or concepts you think we should consider to up the "fun factor"! An interesting thing you're alluding to is that simple financial concepts can be taught in an engaging way without actually calling out that you're learning "finance".

Hi Afrin Bhuiyan  - thanks for your comments and feedback.

We're currently investigating previous suggestions like Khan Academy or Coursera, however, we feel it's important to have subject matter experts in house. We will have to leverage and refine existing course materials to fit our particular use case. More to come on this.

We live in a very user-focused environment. In terms of deciding how to invest in research and development, we're eager to go into user testing phases to understand what works, what doesn't and where to correct course.