With ‘G Keeper’, users are able to view transactions of all credit cards, as well as personal income and expenses analysis and financial risk assessment all in one app. The app also provides automatic payment alert, saving time and making financial management stress-free. The creation of ‘G Keeper’ marks an important milestone for Grantit, steadily gaining a foothold in the personal finance assistant business.
According to a user survey conducted by Grantit, consumers in Hong Kong own 5 credit cards on average and typically spend more than 10 hours per month to keep track of credit card debt. 80% of the interviewees reported overdue payments. ‘G Keeper’ is designed to solve the problem with features listed below:
- Credit card spending consolidation and intellectual categorization. ‘G Keeper’ compares credit card spending in the most recent months and generates reports on the proportion of different expense categories.
- Intellectual analysis on financial risk based on payment records and credit scores.
- Payment alert for credit card payment due date.
- One-click navigation connecting to online banking, PPS and relevant payment landing pages for instant payment.
- Intellectual screening of eligible offers of all credit cards within the app.
Among many personal financial management tools in the market, the advantages of ‘G Keeper’ are clear as listed below:
|
‘G Keeper’ |
Bank mobile app |
Manual Bookkeeping App |
Auto Bookkeeping App |
|
|---|---|---|---|---|
|
Consolidate data from multiple banks |
Yes |
No |
No |
Yes |
|
Auto expense tracking |
Yes |
Depends on the bank |
No |
Yes |
|
Categorise expenses |
Yes |
Unavailable for most banks |
Yes |
Yes |
|
Financial risk assessment |
Yes |
According to credit scores |
No |
No |
|
Payment reminder |
Yes |
Yes |
No |
Available for some apps |
|
Consolidate personal rewards and offers |
Yes |
Depends on the bank |
No |
No |
|
Fee |
Free |
Free |
Free |
Free |
Government-grade AES-256 encryption
Grantit understands that privacy and security are the top priority for personal finance services. ‘G Keeper’ uses government-grade AES-256 encryption. Personal information is encrypted. It is impossible to intercept data during data transmission, and customers’ bank account information, login records and personal information will never be collected while using ‘G Keeper’.
Grantit repositions as a personal financial assistant
‘G Keeper’ is the first step after Grantit’s rebranding. In the past, Grantit only targeted personal liability as their starting point, resolved the clients’ personal finance problems by offering smart and convenient lending services and tackling borrowing issues. Last year Grantit used the rebranding as a remark to comprehensively improve the user experience. The creation of “G Keeper” marks the beginning of Grantit’s new journey to become a personal financial assistant. Grantit’s Co-Founder and CEO, Ms. Lina Sio, explained that ‘As Grantit is a data-driven company, we design products according to the needs of the market and customers. Our user survey previously found that consumers are troubled by problems of keeping track of credit card debt and overdue payment. We remain true to our original aspiration – to improve quality of life with FinTech. The launch of ‘G Keeper’ is to solve their troubles. We are gradually becoming a personal finance assistant which covers all aspects of personal finance and provides sensible, simple, smart, and stress-free digital personal finance tools to offer more thoughtful professional services regarding personal finance planning.’
