He made it up Angelo D’Alessandro (in the picture), the same one who founded the Buddybank by Unicredit service: it’s called Bella, and it is a “conversational banking” platform, that is a bank that communicates with the user, capable of involving the customer in a real conversation through technological tools (such as messaging apps, for example) thus regaining that direct relationship which has increasingly diluted with the online services of banks: “The goal”, explains the creator, “is to bring an emotional dimension to an aseptic sector with respect to the values ​​of the person and the community for the first time” .
So Bella wants to bring people together around concepts like kindness e solidarity. Like? For example with the “Karma account», An alternative vision of the classic current account inspired by the concept of suspended coffee: that is, the possibility of giving another member of the community a drink at the bar, a ride on the subway, a cinema ticket or a small purchase for a maximum cost of 20 dollars.
There is also the so-called “Bella surprise program», A mechanism that allows users to be randomly surprised during their shopping moments. Every time a Bella member uses the “Bella visa rainbow debit card” (made with recycled plastic from the ocean), they could receive a real-time cash back, from 5% to 200% of the total expense, thanks to funds from Bella’s marketing budget.
If it is not Bella who surprises her users at the time of their purchases, it could be another user, who, through her karma account, decides to allocate a small amount of money to pay the bill to another user even if she does not. he knows, for no real reason other than an act of pure generosity. This mechanism of paying the bill to a stranger has triggered a virtuous circle in the States: bank customers who receive surprises from complete strangers are so impressed that they want to surprise others and leave paid accounts in turn.
At the same time there are charitable initiatives in which you can easily participate, whether it is support for single mothers, the beautification of metropolitan spaces, support for kennels and much more.
The most generous users, that is, those who decide to share or donate more, will then be those chosen by the algortimo more frequently to receive the Bella surprises. How to say: virtuosity is rewarded and the «Beautiful karma score» will be valid, a score that rises for every good deed performed.
Already available and functioning in the US, it is expected in Italy by the end of the year. There is no official date yet, but for information you can write here: [email protected].
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