Inspiration

Indeed, far too often, people with a permanent disability (physical, mental, age-related ...) are not only financially marginalized but are also considered easy targets for scams/fraud attempts. This makes them considered “risky clients” by the banks, which is why they are currently excluded from banking services or are provided with a service which does not suit their needs. Even though the development of online banking seems to be a good solution for customers with physical disabilities, the use of a website can remain a challenge for some. but the banking system is still unable to provide offers suitable for an enormous part of the population This category represents 15% of the world's population, which means more than one billion people in the world have some form of disability, and this is 1 out of every 7 people, according to United Nations statistics. Can we imagine that this large category, estimated at millions, is not supported to access smart financial solutions, which facilitate many life transactions, because the current solutions do not support this category within their applications and do not take into account the presence of this category that needs special tools

What it does

The banking service provided by HPay will solve this problem by providing an app that will meet the specific requirements (both technical and financial) associated with a handicap. The app - with a double interface for the possible guardians to better manage the finances of their loved ones- will provide access to banking solutions through a system adapted to a type of disability (for example: an auditory environment -via OCR- for people with reduced vision). The app -through AI- will also provide a secure environment (in addition to the management of their guardians) to protect them from the risks of fraud and scams.

Each user will be able to customize his/her financial space within the app according to his/her needs (in terms of disability). For example: A person suffering from a reduced vision will be able to validate a payment/transfer via facial or digital recognition. A robot-advisor will also be able to assist him/her by voice, along with Optical Character Recognition. Additional services like the receipt of bank statements in Braille can be set up A person suffering from autism (with shyness) will be able to benefit from a virtual counselor via a chatbot using a simpler and more concise/comprehensive language A person suffering from hearing problems will also benefit from this chatbot -just like a robot-advisor- A person with reduced mobility will be able to use these robot-advisors, saving them from going to agencies (which are sometimes poorly equipped)

We have tried to add Rapyd API as solution to the application because it will help activate our services in a better way and be unique and the first to provide financial services to the category of people with special needs and support the process of online shopping, payment, receiving, saving and inquiry for this category

How we built it

We have tried to design the app as best for people with disabilities. Our solution is based on observations and the product was designed according to need, not a product that creates it. That's why we conducted a survey, which has not yet received enough responses to be usable. We also used two Finastra APIs allowing us to return payment information and an IBAN reader.

Challenges we ran into

the fact that we can not see each anymore other because of the confinement due to the sanitary situation. It compels us to reorganize our ways of work. We had to adapt ourselves to the agenda of each of us , we had to communicate and work as a team with limited communication tools. However, as we are used to all these technologies, we were easily able to be agile, and we managed to work efficiently even with the distance.

Accomplishments that we're proud of

As the project is a newborn and strated , we have reahc only few milestones. We trully believed that, we can bring an optimal solution for disabled people in a current context in which there is a lack of answer to their needs.

What's next for Hpay

We hope that HPay will initially raise awareness among the global public . As impact investments are more and more important, we hope that handpay will awaken the curiosity of fintech and neobanks.

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