{"id":19969,"date":"2023-06-30T13:10:00","date_gmt":"2023-06-30T13:10:00","guid":{"rendered":"https:\/\/www.prnasia.com\/story\/archive\/4147451_AE47451_0"},"modified":"2023-06-30T13:10:00","modified_gmt":"2023-06-30T13:10:00","slug":"fintech-dobin-brings-game-changing-ai-powered-solution-to-personal-finance","status":"publish","type":"post","link":"https:\/\/transmediavictoria.net.au\/?p=19969","title":{"rendered":"Fintech Dobin Brings Game-Changing AI-Powered Solution to Personal Finance"},"content":{"rendered":"<ul type=\"disc\">\n<li>Consolidates bank accounts and credit cards into a single unified view to better track finances<\/li>\n<li>Unlocks insights from financial data to inform purchase potential and borrowing capacity<\/li>\n<li>Enables sharing insights with merchants and financial institutions to get high-value discounts and attractive offers on credit cards and loans<\/li>\n<\/ul>\n<p><span class=\"legendSpanClass\"><span class=\"xn-location\">SINGAPORE<\/span><\/span>, <span class=\"legendSpanClass\"><span class=\"xn-chron\">June 30, 2023<\/span><\/span> \/PRNewswire\/ &#8212;&nbsp;Singapore-based fintech Dobin has launched. Dobin is&nbsp;the first company in <span class=\"xn-location\">Southeast Asia<\/span> to use open finance and advanced data analytics to: give users a single view of their finances; create unique anonymised customer insights; and empower users to get value from their financial data. Collectively these functionalities give users data-driven personalised recommendations for better financial options and outcomes.<\/p>\n<div class=\"PRN_ImbeddedAssetReference\" id=\"DivAssetPlaceHolder4545\">\n<p><a href=\"https:\/\/mma.prnasia.com\/media2\/2145223\/DOBIN_Full_Colour.html\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" src=\"https:\/\/mma.prnasia.com\/media2\/2145223\/DOBIN_Full_Colour.jpg?p=medium600\" title alt><\/a><br \/><span><\/span><\/p>\n<\/p><\/div>\n<p>&#8220;Managing our personal finances can be overwhelming as our financial information is fragmented. Dobin&#8217;s objective is to help users remove the barriers to achieving their financial goals in a simple and secure mobile experience. Dobin uses advanced data analytics to help users manage their finances and get tangible value from their financial data,&#8221; said Dobin&#8217;s Chief Executive Officer (CEO) and Co-founder Khaled Benguerba. &#8220;Now, anyone can get on top of their finances and receive personalised offers \u2013 without sacrificing the privacy of their data.&#8221;<\/p>\n<p>First, Dobin gives users a consolidated view of their income and expenses by securely connecting their bank accounts and credit cards across <span class=\"xn-location\">Singapore&#8217;s<\/span> leading banks. This allows users to track how much they earn and where they spend &#8211; uncovering overlooked spending habits &#8211; and reduce their ongoing expenses &#8211; by using relevant merchant discounts.<\/p>\n<p>Giving users a holistic view of their finances is critical for Singaporeans as too few are making the right financial decisions. A 2022 study of over 1,000 Singaporean adults by <a href=\"https:\/\/smartwealth.sg\/financial-literacy-singapore-statistics\/\" target=\"_blank\" rel=\"nofollow noopener\">SmartWealth<\/a> revealed that a staggering 55% of respondents are financially illiterate. Additionally, 52% said they are unsure how much they spend every month. With Dobin, users can now stay financially informed at all times.<\/p>\n<p>Second, as Dobin builds its data analytics and AI capabilities, it will create unique yet anonymised &#8220;financial profiles&#8221;. These profiles can indicate a user&#8217;s loan repayment capacity, their spending potential with a particular merchant, or the credit card they are likely to use frequently. These &#8220;financial profiles&#8221; can help users &#8220;prove their value&#8221; to merchants and financial institutions.<\/p>\n<p>Third, Dobin puts users in the driver&#8217;s seat to get value from their own data. Users can choose to give Dobin permission to share their anonymised &#8220;financial profiles&#8221; with merchants and financial institutions to receive personalised discounts, credit card recommendations, and attractive loan offers. At all times, users remain in control of why and how their data is shared. At launch, users can access merchant discounts based on their spending patterns in categories like shopping, groceries, and travel. Recommendations on credit cards and Loans will be added in H2 2023.<\/p>\n<p><b>Data Security and Privacy at Dobin <\/b><\/p>\n<p>Data security is central to Dobin&#8217;s infrastructure. User&#8217;s data is only viewed by them and stored on their mobile device unless they choose to share it with Dobin to enhance its data analytics capabilities or with Dobin&#8217;s partners to receive personalised offers. Dobin operates under <span class=\"xn-location\">Singapore&#8217;s<\/span> strict regulatory requirements, including the Personal Data Protection Act (PDPA).<\/p>\n<p><b>Dobin&#8217;s Business Roadmap<\/b><\/p>\n<p>In the coming months, Dobin will continue to enhance data analytics, app features and usability, and bring high-value offers from merchants and financial institutions. The company also aims to raise additional funding and expand across <span class=\"xn-location\">Southeast Asia<\/span> to enable banked customers to better manage their finances, and help underbanked customers access financial products.<\/p>\n<p><b>Built by Finance, Data, and Technology Experts<\/b><\/p>\n<p>Dobin&#8217;s three co-founders bring together decades of experience in banking and payments, data analytics and credit risk, and technology.<\/p>\n<p>Dobin&#8217;s CEO and Co-founder, Khaled Benguerba, is a financial industry veteran. Prior to launching Dobin, he took a leading role in establishing and scaling the advisory and data analytics arm of Visa across <span class=\"xn-location\">Asia Pacific<\/span>. Before Visa, he held multiple leadership positions at American Express. He started his career in Investment Banking at Societe Generale, <span class=\"xn-person\">Houlihan Lokey<\/span> and Arma Partners.<\/p>\n<p>Dobin&#8217;s Chief Technology Officer and Co-founder, Erwan Mac\u00e9, is an experienced entrepreneur and technology leader. He was previously the CEO and CTO of Bitsmedia, a company that developed a world-renowned Muslim lifestyle app with more than 150 million downloads globally. Prior to that, he held tech leadership positions at Google, Akamai, and Vivendi.<\/p>\n<p>Dobin&#8217;s Chief Product Officer and Co-founder, <span class=\"xn-person\">Gyanendra Singh<\/span>, has deep expertise in Credit Risk and Data Analytics. He was previously part of the leadership team at OneCard overseeing personalization and decision products. Prior to that, he was the Risk lead for <span class=\"xn-location\">Asia Pacific<\/span> within Visa&#8217;s advisory and data analytics business. He started his career in decision analytics at Experian, FICO and ICICI Bank.<\/p>\n<p>Please visit <a href=\"http:\/\/www.dobin.io\" rel=\"nofollow\">www.dobin.io<\/a> for more information. To download the Dobin app, please visit:<\/p>\n<p><b><u><span id=\"spanHghlt4f18\">Ab<\/span>out Dobin<\/u><\/b><\/p>\n<p><span class=\"xn-location\">Singapore<\/span>-based fintech company Dobin is a financial marketplace which unlocks the power of data to help consumers in <span class=\"xn-location\">Southeast Asia<\/span> reach their best financial outcome. Dobin uses open access to financial information combined with advanced data analytics and AI to provide personalised deals and product recommendations.<\/p>\n<p>The Dobin app allows users to consolidate all their financial data across bank, credit card and payment wallet accounts to stay on top of their finances. It also allows them to, anonymously and securely, share insights from their data with financial service providers and merchants to receive personalised deals on loans, credit cards, and discount offers.<\/p>\n<p>Through the power of data, choice, and community, Dobin creates better financial wellbeing for all. For more information, please visit <u><a href=\"http:\/\/www.dobin.io\/\" target=\"_blank\" rel=\"nofollow noopener\">www.dobin.io<\/a><\/u><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Consolidates bank accounts and credit cards into a single unified view to better track finances Unlocks insights from financial data to inform purchase potential and borrowing capacity Enables sharing insights with merchants and financial institutions to get high-value discounts and attractive offers on credit cards and loans SINGAPORE, June 30, 2023 \/PRNewswire\/ &#8212;&nbsp;Singapore-based fintech Dobin [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":19970,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-19969","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - 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