unlockedu, the platform for your self-training in financial planning.for impact.
The platform aims to provide self-training for financial education. A placefull training space where you can learn about the functioning of financial tools, visualizing their potential, allowing you to improve your asset management choices, and how to impact the everyday economy with a holistic and tailored approach.
Cross-border/international
Italy
Other
Switzerland
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It addresses urban-rural linkages
It refers to other types of transformations (soft investment)
No
No
Yes
As an individual in partnership with other persons
First name: Luz Dahyana Last name: Mariano Montero Gender: Female Nationality: Italy Address (country of permanent residence for individuals or address of the organisation)<br/>Street and number: Via Valentino Carrera 111 Town: Turin Postal code: 10146 Country: Italy Direct Tel:+39 392 878 4664 E-mail:welcome.unlockedu@gmail.com Website:https://unlockedu.tech/
UNLOCKEDU is a platform that introduces young people to the world of impact economy and wellbeing through innovative training. Overcoming the typical difficulties of digital barriers.
The edutech platform on finance planning is represented with innovative learning methods and processes, capable of producing simulations and creative paths based on reality. It helps the user to understand how to develop knowledge, new skills, and competencies that stimulate critical thinking, transformative ways of learning, consuming, and be aware of all the opportunities to improve a better economy and sustainable impact for itself and the society.
The experience begins with the discovery of the risk profile of the person, and continues with a personalization of the objective pursued. It offers to explore the functions and benefits of the tools that best suit the person's objective and abilities, to arrive at a broader offer of insights, animated training, immersive games and more. With a holistic approach, unlockedu stimulates informed and sustainable decisions.
It regards Gen Z 17-26 years old, passionate about fintech and wealth-tech, who prefers e-learning tools to learn about economy management. Unlockedu offer constant learning and customized insights supported by ML(Machine learning) over the time. The outcomes go from lowering stress, lowering the exposure to scams using scientific information, to helping mitigation of climate change by developing a bottom up approach to impact economic matters.
Even if it is a recent market, there are different active competitors. In 2021 it was nearly 155. The masterclass “What is sustainable investing” by Female Invest”, The distance learning classes like “Private financial planning” offered by “Mendo”, Masterclass “Excel for finance; investing; trading; crypto-value” of Starting Finance are just some of them. Still with our USP (unique value proposition)model we can position on the higher side of the learning matrix model*
Financial literacy
Money management
Wealth building
Risk management
Financial planning
The key objectives of the initiative vision is to stimulate critical thinking on what is normally taken into consideration to have a better planning of personal assets and well-being, towards what instead can be a preference and more reliable. It must be expressed on virtuous financial instruments, possibilities offered by the city for everyday economy, and those that are yet to be born.
The exploration of creative fun to learn how to improve certain habits and adapt to new learning scenarios. Studies like surveys conducted by the European Commission in 2012 and a more recent one conducted by the Organization for Economic Cooperation and Development (OECD) in 2018 have shown that financial literacy levels in Europe are generally low, particularly among certain demographic groups such as young people, low-income individuals, and the elderly.
A financially literate individual would be better equipped to understand the risks and opportunities presented by investments in sustainable energy, clean technology and other environmentally friendly sectors, and make informed decisions about where to invest their money. On the other hand, low financial literacy can lead to uninformed investment decisions that can have negative consequences on the environment, such as investing in fossil fuel projects. Therefore, promoting financial literacy in relation to sustainability can be an important step towards addressing how to give an active contribution to mitigate impacts in climate change.
Unlockedu is focused on creating an accessible and inclusive online learning experience for all students. The key objectives in terms of aesthetics and quality of experience include to provide an easy-to-use interface that makes it easy for students to navigate and access learning resources.
Enhancing the visual appeal: The platform utilizes a clean and modern design aesthetic that aims to make the learning experience more engaging and enjoyable for students.
Cultivating positive emotions: unlockedu wants to create a positive and supportive learning environment that encourages students to stay motivated and engaged throughout the learning process, using innovative pedagogy methods combined with new age technology.
Promoting cultural benefits: we aim to provide students with access to diverse perspectives and cultural resources, which can broaden their understanding of the world to promote cultural awareness and embrace diversity. Achievements to date include a community of approximately 450 individuals actively following evolution and participating in research through online and offline collected feedback. The digital dissemination activity also achieved the following over 200,000 visits from Feb 2021.
Unlockedu key objectives in terms of inclusion are expressed as follows:
Accessibility: The platform aims to provide students with access to learning resources regardless of their physical location, socioeconomic status, or other factors that may otherwise limit their access to education.
Affordability: UnlockedU seeks to make education more affordable for all students by providing access to online learning resources and tools that are free from the part of the freemium offer programmed on the combined business model.
Inclusive governing systems: The initiative aims to create a governing system that is inclusive and responsive to the needs of all students, with an emphasis on equity and inclusivity.
Design for all principles: The platform aims to be designed in such a way that it is accessible and usable by all students, regardless of their abilities or disabilities.
New societal models: The initiative aims to promote new societal models of education that are more inclusive, responsive, and equitable.
Actually we are working on the implementation of our MVP which in our pipeline is followed by a POC and fully developed Pilot. However The initiative could be exemplary in this context if it would have been able to demonstrate its ability to provide accessible and inclusive online learning opportunities for students from diverse backgrounds and to promote new models of education that are more equitable and responsive to the needs of all students.
We continuously evaluate and improve: We are applying a lean method to iterate and evaluate the platform, its features, and the experience of its users to find areas that need improvement and to adapt to the changing needs of the user.
This would involve promoting a culture of collaboration and respect within the platform, and encouraging users to engage with diverse perspectives and points of view. Establishing a governing system, creating a governance structure that is committed to equity.
Involving citizens and civil society in the development and implementation of an initiative have different benefits, and for us as a startup is really important.
All our solutions are designed starting from the reality and needs expresed by our target and potential users. We do this through co-designing with local design bodies, several direct collaborative research activities with users, applying different people-centric methods such as design sprint, HDC, lean prototyping, as well as workshops, seminars, campaigns and future upcoming events.
We ensure that the initiative addresses the needs and concerns of the local community by involving citizens and civil society in the initiative. it can be tailored to better meet the needs and concerns of the community, which can increase the chances of success.
By involving citizens and civil society lead to an increased transparency and accountability, which help to build trust and confidence in the initiative. Facilitating community empowerment: By asking to express what are the feelings and what are the pains they face with the actual solutions to identify addresable bottlenecks. Using our digital channel they can express and participate in real time discussions about SRI, how to build better habits, circularity, the impact on poverty of sustainables actions and more.
We had several collaborations to validate the idea problem and solution offered, first and then with the implementation of it. The main Italian polytechnics, those of Turin and Milan, the ICRIOS Bocconi innovation research center took part, with their innoventurelab program of pre-accel. They chose us among the startups to follow and support for validation, education, mentoring, training, and various services which at the end of the first quarter of 2023 reach a first milestone also through demo days. Kingston University which, in collaboration with the Bocconi management university from abroad, supported us through 10 months of collaboration in the search for unlockedu validation for intercontinental territories(China) producing a report of great value for us. From Microsoft hub for startups funders we recently received a participation that starts with over $60,000 in credits for various tools such as cloud, ads, Open AI, and various development and business management tools. Google Italia collaborated with us for 4 months on the structure and execution of different OKRs to be achieved for the improvement of communication. Finally, the Turin chamber of commerce and Swiss institutions such as SUPSI, venturelab, IFJ have given us a lot of support in terms of training, initial funding, networks, and partnerships for R&D. Last but not least, the communities of young entrepreneurs who support us.
Disciplines of different fields are provided on the progression of the unlockedu program. These are designed to be accelerated through the application of new technologies that produce integration, critical thinking, stimulate creativity, and much more.
The non-new gamification methodology can be used to encourage certain behaviors, such as recycling or energy saving, among users, along with Gaming, serious play, and virtual reality and XR for the early and medium stages, can interact to create immersive learning experiences that can be engaging and effective for learners.
Gaming can provide an interactive and competitive environment for learning, while serious play can be used to simulate real-world scenarios for learners to practice and apply their skills.
Virtual reality can enhance these experiences by providing a fully immersive environment for learners to interact with, giving them a sense of presence and allowing them to practice decision-making in a realistic setting. Together, these disciplines can be used to create innovative and effective learning experiences that engage learners in new and exciting ways.
The unlockedu project is innovative in several ways when compared to traditional financial education programs.
Firstly, the main innovation is in the process of learning. It creates new approaches of learning that research and combine pedagogy supported by the potential of new technologies and agile methods to train and engage. It has a program completely free. This makes it accessible to any student regardless of their socioeconomic status, and allows educators to adapt the material to suit the needs of their students.
Secondly, it is delivered online, which allows students to access the content from anywhere, at any time. This makes it more convenient and flexible than traditional in-person financial education classes.
Thirdly, it is designed specifically for Gen Z students and its curriculum is designed to be relevant and engaging for this age group, with real-world applications of financial concepts that students can relate to their own lives.
Lastly, unlockedu is an independent organization that is focused on empowering its users to make informed financial decisions. It is different from internal financial institutions projects which may have different strategic goals.
Overall, the unlockedu project aims to fill the gap in financial education for high school students by providing a comprehensive curriculum that is accessible, relevant, and engaging, and which is aligned with the needs of the youngsters.
The unlockedu project has several elements that could be replicated or transferred to other places, groups of beneficiaries and contexts. The curriculum developed can be easily adapted to suit the needs of different learners and can be used by educators in other locations to provide personal finance education to their students.
The online delivery format of the program allows for flexibility and convenience for students and
educators, and can be replicated in other contexts.
The focus on engagement and relevance is designed to be incisive for Gen Z students, and this approach could be applied in other educational contexts.
The component of a freemium model adopted by unlockedu can be replicated in other contexts, to provide education to underserved communities.
Unlockedu uses technology to provide education, this can be replicated in other education projects, to provide education in an interactive and engaging way.
The focus on personal finance is an important aspect that can be replicated in other contexts, as personal finance literacy is important for individuals and society as a whole. The project provides a solid model for providing accessible and relevant financial education to Gen Z students, and elements of the initiative could be replicated in other places, groups of beneficiaries, and contexts.
The unlockedu project uses a multi-faceted approach to provide personal finance education to Gen Z students. Some key elements of the methodology include that the project develops a comprehensive service that covers various aspects of personal finance, such as budgeting, saving, investing, credit and taxes, acknowledging the discussion of sustainable behavioral economy and impact economy
The coursework can be self-paced, which allows users to work at their own pace and review material as needed. The program is designed to be interactive and engaging to keep users interested and motivated.
The platform allows for collaborative learning, where users can interact with each other, share ideas and connect with their peers. It aims to include assessments and feedback mechanisms that allow users to track their progress and receive feedback on their understanding of the material.
unlockedu aims to continuously improve the offer by permanent R&D, ML tech and teaching methods based on feedback from users and educators, searching on best practices in personal finance education. It uses a comprehensive, interactive and flexible approach to provide personal finance education to Gen Z students, making use of technology, self-paced learning, and collaboration to provide a more engaging and effective learning experience.
Other elements that could be included in the methodology are the use of game elements such as rewards, points, and leaderboards to make the learning experience more engaging and fun for students.
Incorporating real-world examples and case studies to help students understand how the financial concepts they are learning can be applied in their lives. Role-playing and simulations to give students hands-on experience in making financial decisions and managing money.
Access to financial experts in the near future. Providing access to financial experts, such as certified financial planners.
The initiative addresses the global challenge of financial literacy by providing a comprehensive path that teaches Gen Z students the skills they need to understand and manage their money. By providing personal finance education, the initiative aims to empower students to make informed financial decisions and to improve their overall financial well-being.
The initiative addresses the global challenge of access to education by combining a freemium and subscription model. By making high-quality education accessible to students regardless of their socioeconomic status, the initiative aims to reduce educational disparities and to ensure that all students have the opportunity to learn about personal finance.
The initiative addresses the global challenge of financial inclusion by providing education to underserved communities. It aims to empower students to participate in the financial system and to improve their financial well-being.Also our project addresses the global challenge of digital divide by providing education online. By delivering education online, the initiative aims to provide equal access to education for students regardless of their location or access to traditional educational resources.
Including sustainable economy themes in the services as fundamental criteria can generate climate impact by educating students about the ways in which economic activities can contribute to or mitigate climate change.
The Incorporation of parental engagement through workshops, webinars, and online resources to help parents support their children in learning about personal finance. It can generate community outreach, partnering with local organizations and businesses to provide additional resources and opportunities for students to learn about personal finance in their community.
The objective of the third TRL stadium that we are today is the creation of a solution that can be used in the field of innovative training day by day where to the implement: User Research, exploratory and usability tests on prototypes or online services conducted on user panels and conduct the literacy of all feedback received with a reviewed hypothesis for the services tested.The improvement of design of UI components, layouts and interactive elements in the unlocked Design System, UX & Conversational Copy and collaboration with the team through development sprints with Agile methodology. For the second part of 2023 we have planned the follow up of implementation that include the improvement of the proof of concept and the progression with the full mode of our Pilot for the GTM.After this work it prevented the continuation of the collaboration for R&D with the ICT Lab that followed us on the application of qualified systems followed by the integration of tutorials and workshops for Design sprint and Human design center for fundamental processes on the creation of services and analysis. The envision is the construction of a systemic approach of the transformation of learning process that can actually meet adaptation and resilience in uncertain cenarios, given instruments and engagement for those that can have more impact at the moment and in the future for themself and the community we are part of.
We have already achieved differents outcomes that include the participation of differents social corporations like “SerenDPT project”, “Circolo del Del Design of Turin”, other professional engaged on independent finance and the importance of awareness about finance education on early days of live, others engaged on implementing sustainability systems in corporations like Rebrain. You can find some testimonials on our Instagram channel.
With the promotion about the creation and objective of the activity we have reached more that 100.000 visits on our channel “combined
Critical Thinking and Decision-Making are key results. The program is designed to be interactive and engaging, which encourages students to think critically about financial concepts and to apply what they have learned to real-world situations. This helps to develop their critical thinking and decision-making skills.
unlockedu encourages people to think critically and creatively about financial concepts and to apply what they have learned to real-world situations. This helps students to develop their problem-solving skills.
It encourages users' collaboration and to share their ideas and insights with their peers. This helps students to develop their teamwork and collaboration skills.
Main themes are economic management, sustainable consumption and how to make sustainable choices. This would help to develop their knowledge and skills in the field of impact economy, which is becoming increasingly relevant in the current global scenario.
For example, users who learn about the impact of fossil fuels on the environment may choose to invest in clean energy companies, or to reduce their consumption of fossil fuels. They may also learn about the benefits of sustainable agriculture and choose to support local farmers who use sustainable practices.
In addition, the immersive path, they can learn about the opportunities that exist around, in the transition to a low-carbon economy, such as green jobs, sustainable infrastructure, and sustainable food, micro-mobility and more. This can help to understand the potential benefits of a green economy, and to make informed decisions about their future careers and investments.
Including sustainable economy themes generates climate impact by raising awareness, educating about the ways in which economic activities can contribute to or mitigate climate change, and by empowering users to make sustainable choices in their personal and professional lives to take action today.
The services are delivered online.
