MILAN - After having conquered thousands of users in Spain and having raised 2,5 million euros in investments, Goin is finally ready to broaden its horizons. The startup, founded by three very young entrepreneurs, has decided to focus primarily on Italy. The reason? He explains it to me David Riudor, the 23-year-old CEO of the company: “First of all because Ferdinando [Zanardi], our CFO, and Lorenzo [Bosio], Head of the expansion, are Italian, they lived here and therefore know your country. Secondly, by studying the behavior of digital natives in Europe, we found that everyone living in the Mediterranean area has the same problem: we don't know how to save. "
Because that's exactly what Goin is for: to put aside some money and thus be able to reach a goal. But how does it work? What magic can save you even when it seems impossible?
Goin: how it works
Don't expect complex and indecipherable systems. In fact the Spanish application is surprisingly intuitive. All you have to do is download it, decide which goal you want to achieve and let Goin's algorithm guide you to the finish line.
To do this, however, the app needs data, data to be analyzed to understand how to help you save the money you need. That's why the second step involves adding bank accounts and credit cards. Don't worry, all your data is safe, encrypted and accessible only to the Goin software but not to the people who work within the company.
Once the analysis is complete, the app will suggest you how to save proposing a series of totally automatic methods. Five currently available:
- Round up, the most common, which rounds up the amount of any expense to help you set aside even a few cents at a time;
- Retention, that is, the possibility of allocating a percentage of the credits received, such as salary, to Goin;
- Auto Top Up, the daily, weekly or monthly addition of a small amount defined by you;
- Challenges, that is, challenges that aim to improve your lifestyle and make you give up bad habits (example: you self-fine and pay 1 euro to Goin every time you get up after 8 am);
- Tips, earning money thanks to startup partners and carrying out simple actions.
All of this will help you achieve your goal without effort, complications or complicated procedures.
But how does Goin make money?
But what is Goin's business model? In short, if the app is free, how does the Spanish company make money? Don't worry, Goin does not withdraw money from its users' accounts and does not sell the data of those who use the service, but exploits the integrated investment system. Yes, you got it right: the application not only helps you save, but allows you to invest what you have set aside using three different methods:
- il crowdlending, that is the possibility of investing in small and medium-sized enterprises with a controlled risk and without complications;
- le criptovalute, and in particular bitcoins, so as to allow young people to become familiar with what is likely to become the currency of the future;
- the ETF (Exchange Traded Fund), that is investment funds that deal with managing part of your money and then repay it with interest within 2/6 months.
This is where Goin gets his revenues: “We apply a small investment management fee which allows us to earn - David explains to me during our chat - In the near future, however, we would like to cover the process from start to finish, from when the user decides his goal to when he reaches it. What does it mean? Let's say you want to buy an iPhone X. You set the milestone, you start saving, invest and after a couple of months you can afford it. At the moment you can do only one thing: when you reach the goal, withdraw the money saved and then buy the smartphone where, how and when you want. What we would like to do is offer you a choice: you can then decide whether to rely on us for the purchase or to do everything independently. In case you bought it through Goin we would receive a percentage thanks to affiliate programs like Amazon's. "
The arrival in Italy
Can't wait to try Goin? Know that you will have to wait. In fact, the app will officially arrive in our country on 13 June but will only be accessible to the first 1000 users who have registered on the waiting list, after which access will be gradually granted to all those on the list.
My advice? Download Goin now and reserve your seat. To do this, just install the app, enter some data and then use our friend code: ERIKA. Do you prefer something faster? Just click on this link. Once you enter, you can start earning even without having access to all the features of the app. Like? First of all you can generate your friend code and get 2 euros for each person who will use it. You can also take part in an unusual battle that sees each other 3 teams: Travel (ours), Sport and Lifestyle. Each team can accumulate points by inviting friends and answering a series of simple quizzes. Up for grabs a mega-prize involving three influencers, captains of the three teams:
- for the Lifestyle team a private dinner with Klaus and a 3-day trip to Amsterdam for 2 people;
- for the Sport team, tickets for a Papu Gomez match, the chance to meet him at the end of the match and 3 days in Barcelona with a tour of the Camp Nou for 2 people;
- for the Travel team a meet and greet with Ludovica Pagani and 3 days in Ibiza, again for 2 people.
What to say? You just have to download the app and launch yourself into the world of Goin.
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QR-Code
Goin: Risparmiare soldi online
Developer:
Prakma Innovation SL
Price:
Free
Download QR-Code Goin: Saving and investing to earn money Developer: Prakma Innovation SL Price: Free Tagsapp Goin
Save money: you just need to goin to do it
