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As remote working (or work from home) has become the new mainstream during the pandemic, would it change the way we look at the gig economy? As a definition, this includes all types of jobs on a contractual basis or per-delivery basis. Cab drivers, delivery staff, home service providers, and other skilled freelance professionals across IT, design, consulting, etc, make up a major chunk of this economy. Even though they contribute to a sizable amount in the country’s economy, the major problem affecting gig workers revolves around their inconsistent income flow. This disheartens a great many numbers of people in the gig community who have no full-time jobs, have weak or unstable financial backgrounds but have the necessary skills.
We are proposing an online credit extension system that mimics the traditional chit fund system which helps in inculcating a savings mentality among the community members and thus preparing them for any kind of financial emergencies coming their way. This is where we would like to introduce ‘ChittiGo’, an online platform where we implement above said ideas in a kind of unconventional but effective manner. A chit fund is both a savings and credit product. Traditionally, it bears a predetermined value and is of a fixed duration, mostly two to three years. Each scheme admits a specific number of members whose monthly contributions add up to the total value of the chit fund at the end of the term. The app provides an online platform for gig workers to join a chitti of their choice according to their monthly income but this is not where we plan to introduce a change. Apart from traditional chit funds which work on large amounts of money for longer periods, the ones which operate on our platform will depend on surveys that we conduct. Based on the general trend obtained from them, we determine the chit amount and their time period. This displays how our chit system is flexible in nature and how it caters to their immediate cash requirements. It works on leveraging connections between gig workers having similar occupations within the same locality. We act as a trustee of each and every chitti ensuring the safe and timely payments of dues as well as scrutinizing the complete transaction flow through the app
We plan to integrate FFDC API’s for payment and account handling functionalities. Additionally we will use chat API’s for our connections page. Other tech stacks used include: ● Flutter(Dart) ● Firebase - realtime - database ● Adobe XD ● Adobe Photoshop
We worked really hard in order to shape our final idea to focus on banking the unbanked and underbanked. We have upskilled ourselves to build our app according to our needs.
Optimal utilization of two months of this lockdown period to learn new tech stacks and also to come up with a better solution to a gripping problem faced by our society today.
Tough times don't last tough teams do. -Victoria Brown
during this journey, we learned that while working together as a team we can surmount any challenge that comes our way!
We have more ideas yet to implement such as providing further banking services to the gig workers and pulling them more into the mainstream financial services.
