Clinkky wants to give answer to the savings problem. It is what truly unveils and catches to our teamwork. What it is truly important it is not the app, but the behaviors behind that children savings app. The Clinkky’s team ask themselves every day in what way can an app help to generate and motivate savings behaviors, because this is the Clinkky’s goals.

In order to be able to answer to this questions between others, we carried out a previous investigation work where we inquired about the potential use of a savings application for children. The idea was to be capable to evaluate some aspects linked to the potential app use in the generation of savings behaviors. Just an example, we found with the parent's vision that they would be willing to use an app, those who express stuffs like:

• “So that my children have a fun and easy method.”
• “I share the encouragement in the savings since an early age”
• “It is innovating and suitable for these times.”
• “Projects habit and value. The tomorrow…”
• “So generates the savings habit”
• “Because it can be more systemic”
• “So that advises me how to do it”

Other parents maybe because of cautious, why not somehow they are more controlling, raise some concerns about the potential use of an app that they must have into account when designing: so it agrees 100% with the responsible adults.

• “It should be studied deeply so it will not skip those stages of life”.
• “Depends on what values it spreads.
• “I must know it and trust it”

Another parents’ group in the midway, the ones that question, those parents that one wants to have close because those are that help most to think to their children, they express stuff like:

• "So to educate the kids to save for the future, although this implicates that the child would earn income and that would be through parents."
• "It would be good create the saving habit in children but without creating them a worry for the money"
• "I would have to see it, it would help me to organize myself better"

In fact, the children find earns through many different mechanisms: allowance, birthday gifts, gifts on special occasions or even because of accomplishing of a task or as a reward because of an achievement in school or sports. Many children since the early age have money of their own. Because of that, at the children savings app designing time, there are at least two questions that guide our work: What is it the behavior to promote by the app? What is it the value to promote from the app?

The promoting savings behaviors that return their value to the money, something lost in the programmed obsolescence age and frenzy consumerism. Or how it is said by a surveyed mom in other words: "I want to give them financial education to my daughters" That is what it is about educate in the savings and to incorporate financial concepts useful for the life, but step by step and respecting the adults' choices so that everything develops in a trustworthy environment and playful, despite the seriousness of the subject. Or as points out a dad:

"To teach them from little ones that they have to take care the money because it is hard to earn it".

That's what we do, that's what we work for.

Magister. Roberto Balaguer - Co-founder