[Silver Award] HEARTH-Children's Financial Education Service Design
HEARTH-Children's Financial Education Service Design
作品说明
在中国，青年和成年时期的财商问题日益突显，金钱消费问题逐渐成为家庭矛盾的导火索。儿童时期是培养良好金钱态度、获取和管理能力的关键时期，要避免这类家庭矛盾最好的方式之一就是让孩子从儿童时期开始培养财商意识，然而，中国儿童财商教育仍存在体系缺失和教育模式散乱的问题。 因此，我们希望根据中国国情，通过家庭中的亲子日常活动来实施财商教育，构建财商知识体系，并通过AI赋能的教育辅助工具搭建实践性、趣味性、持续性和体系化的财商教育模式。这种新型教育模式可以帮助孩子在点滴日常生活中培养正确的金钱观、养成良好的消费习惯，提升财商素养，同时促进亲子之间的有趣互动，为家庭注入活力，营造更加幸福的亲子家庭氛围。
In China, financial literacy in youth and adulthood is becoming more and more prominent, and money consumption is gradually becoming a trigger for family conflicts. Childhood is the key period to develop good money attitude, acquisition and management ability, and one of the best ways to avoid this kind of family conflicts is to start cultivating financial literacy from childhood, however, Chinese children's financial literacy education still has the problems of lack of system and scattered education mode. Therefore, we hope to implement financial education through daily parent-child activities in the family, build a financial knowledge system, and build a practical, interesting, sustainable and systematic financial education model through AI-enabled educational aids according to China's national conditions. This new education model can help children cultivate a correct view of money, develop good consumption habits and improve financial literacy in their daily lives, while promoting interesting interactions between parents and children, energizing families and creating a happier parent-child family atmosphere.
Challenge
In this rapidly developing Internet era, mobile payments have become more and more convenient. However, at the same time, a worrying phenomenon has gradually emerged: in an era of digital currencies, children seem to be more and more confused about the concept of "money". Blurred. The design team is deeply aware that children have been greatly affected by the Internet, and this impact is not only reflected in their lifestyles, but also penetrates into their understanding of "money".
It is against this background that we can see a series of news about minors’ irrational and immature high-dollar consumption in the virtual world, which seems to have become a “growth mark” in the Internet era. At the same time, this problem is not an isolated case. Contemporary youth and adults also have various money consumption problems.
This also triggered the design team to think more deeply about financial and business education. Financial intelligence refers to a person's ability to understand, create and manage money. In this era full of digital currency, the outlook on life and world view formed by children during the critical period of 6 to 12 years old has a profound impact on their future development.
Many developed countries attach great importance to financial and business education and have established a relatively complete education system. However, looking back at China, financial and business education is still in its early stages. Institutions have not yet been standardized and the system has not yet been perfected. Financial education is also lacking in families and schools.
The design team hopes to create a systematic, interesting and practical children's financial education for children aged 6-12 in their daily lives. Integrate into their growth process. To this end, the design team set out to study two key questions: First, what should financial intelligence be taught? Second, how should financial intelligence be taught?
Process
In order to find the answer, the design team went deep into the family, conducted interviews with parents, observed the daily behaviors of children, and accordingly summarized the user portraits of the two, from which they condensed the key pain points.
Regarding the question of what to teach about finance and quotient, it mainly involves two pain points: first, parents’ own financial level is limited; second, there is currently a lack of a complete financial education system for children. How to teach finance and business involves three pain points: First, it is difficult to apply foreign experience directly to China, because there are many differences domestically, especially in infrastructure construction; second, parents believe that their children’s academics are still the top priority, and finance Business education should be subtle and not take up too much time and energy; third, the existing education lacks practicality and interest. Whether it is parents’ oral education or children’s own reading of books, it is difficult to arouse children’s real interest, and it is even more difficult to maintain their persistence. Motivation to learn.
These pain points mean that financial education needs to be more specific, more systematic, and more interesting to meet the needs of different families and children. The design team realized that financial and business education cannot simply rely on oral teaching from parents or traditional teaching materials, but should seek a more innovative, practical and interesting teaching model to stimulate children's interest in learning and maintain their continuation. participate.
The design team advocates that based on a scientific and complete financial education system, it provides a financial education service that can be easily implemented in daily practice by stimulating children's independent initiative. The design team drew a value proposition canvas, a stakeholder map and a business canvas to clearly present their core philosophy and service model.
When determining what financial intelligence should be taught, the design team comprehensively considered children's practical problems and the research results of professional financial intelligence books and papers, and summarized a knowledge system covering three aspects: money concepts, behavioral values, and self-protection. Among them, the design team particularly emphasized a key part, that is, the cultivation of habits of saving and delayed gratification. They found that many children think that the money on their mobile phones is just a series of numbers and believe that money can appear out of thin air, while many parents believe that as long as their children pay attention, Learning is enough, there is no need to involve money. This results in many children lacking practical financial and business practices. The emergence of the moonlight clan phenomenon is also related to the lack of savings and the habit of delayed gratification. Therefore, the design team emphasizes cultivating children’s awareness of money management from an early age to lay the foundation for their future financial health.
On the issue of how financial and business education should be taught, the design team helped them clarify their ideas by drawing service system diagrams and service blueprints, and provided specific guidance for the implementation of financial and business education services.
Outcomes
The design team designed 4 key touch points that closely connect parents, children and products to form a complete financial education service journey:
In the preliminary investigation, the design team found that the Little Genius watch has become an indispensable part of children's daily life. Therefore, the design team launched an APP to better connect parents’ mobile phones and children’s watches. Parents can post tasks to the task board through the mobile app, and children can receive these tasks on the task board. After children complete the task, they can receive coin rewards on the smart task board. These coin rewards can be put into the designed AI piggy bank. The piggy bank is not only a savings tool, but also equipped with an AI voice assistant, allowing children to have daily conversations with the assistant to promote learning and communication. When children accumulate enough coins, they can exchange them with their parents to convert the coins into electronic RMB in the little genius watch. This electronic money can be spent externally. At the same time, consumption records will be synchronized to parents’ mobile phones, allowing parents to understand their children’s consumption behavior in a timely manner and provide support for timely education.
Early month planning. Parents should work with their children to set goals to be completed this month, rewards for completing tasks, and punishment rules. The AI assistant will become a powerful assistant for parents, providing them with advice and support to ensure that tasks are set scientifically and reasonably. At the same time, the child's own wishes are also respected.
Mission Education - Mission Posting. Parents can post tasks through the mobile phone, while children can receive tasks on the task board. This task board not only provides children with an interactive and visual environment to help them follow up on task progress in real time, but also helps children understand the source of money through labor practice.
Mission Education - Mission Progress. After receiving the task, the child can confirm the execution of the task on the task board and wait for the parent's inspection after completion.
The fourth step is that after parents review their children's tasks, they can publish corresponding rewards on the mobile phone. After the children receive the rewards, they can put the coins they received into the designed piggy bank. The design team hopes to stimulate children's interest in learning through the reward mechanism and help them form good savings habits.
Daily learning. In daily life, the AI smart piggy bank can not only help children save, but also answer questions about financial intelligence. The parent APP will cooperate with financial and business education institutions to build a financial and business education platform to help children and parents learn financial and business knowledge and education models. This comprehensive financial and business education service not only focuses on children's learning, but also includes parents in the education process, providing an opportunity for the entire family to grow together.
Exchange coins and daily consumption. After the child hands the coins to their parents, they can be exchanged for electronic currency in the watch. The purpose of this step is to help children understand the conversion process from physical currency to electronic currency, and to guide them to understand the concept of exchange rate, that is, the conversion of value between different currencies. Next, children can take the watch out to make purchases, and parents will simultaneously obtain consumption records. The APP will provide timely suggestions to help parents provide targeted education. The design team hopes to encourage children to learn financial knowledge in practice.
End of month summary. Finally, parents will get a more targeted monthly summary. Parents can have a more comprehensive understanding of their children's performance in financial and business studies, and implement rewards and punishments according to the plan at the beginning of the month to help stimulate their children's interest in learning and sense of responsibility, so that they can Carry out continuous progress in financial and business education in a more orderly and efficient manner. This all-round service journey provides parents with a more intuitive and specific picture of their children's financial literacy through regular summaries, and helps parents provide more targeted follow-up educational guidance.
Impact
In the design of HEARTH - children's financial education service, the design team hopes to allow children to explore new knowledge in practice and get rid of the constraints of traditional theoretical education, so that children can deeply understand the nature of money through practical operations and cultivate the consciousness of rational consumption and saving. awareness, laying a solid foundation for their future lives.
The vision of service is not limited to the growth of individual children, but also focuses on the construction of parent-child relationships. The design team hopes that parents can better communicate with their children and establish a more harmonious parent-child relationship. By participating in their children's learning process, parents will have a deeper understanding of their children's needs, interests and potential, allowing for more targeted guidance and education. This deepening of the parent-child relationship not only promotes the all-round development of the child, but also creates a better and happier atmosphere for the family.
The entire design aims to shape correct financial concepts, cultivate positive consumption and saving habits, and lay a solid foundation for children's future life. The design team firmly believes that through this kind of education, the children trained will become more rational and responsible financial citizens and have a positive impact on the entire society. In the future, we look forward to seeing more families become happier and happier because of this kind of financial education, and contribute more positive power to society.
Reasons for award
Targeting the market segment of children's education services, this work proposes an innovative service model suitable for Chinese families and children's growth. It integrates cutting-edge technologies such as Al and achieves comprehensive innovation in demand matching, service forms and commercial value, and There are significant market opportunities and growth potential.
