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ガチャ貯金で GO
せかいは こんとんに つつまれていた。
ひとびとは まずしく ひびの せいかつさえ
ままならなかった
お金のたまらない世の中
• 2人以上の世帯のうち11%が
貯蓄額100万円未満
• 調査によっては、20~30%が
無貯金という調査結果もある
出典:総務省統計局 家計調査報告(貯蓄・負債編)-2018年(平成30年)平均結果-
なぜたまらないのか
• そもそも収入が低い& 貯める意思がない
→モチベーションが低い
• 貯める意思はあるが、何かに使ってしまっている
→本人も用途が何だかわからないがあるだけ使っている
よくある家計簿アプリ
• 入力が面倒
• 能動的に動かないといけない
• 入力するのもあまり楽しくない
• 結局使いすぎて、ひもじい給料日前
• ゲーミフィケーションの考えで
モチベーションを維持できるようハックしよう
Team-Archerのアイデア
• やらないこと:
よくある家計簿系アプリで
既に実装されているもの
• 家計簿の登録
• グラフ化とかそういうの
• やること:
• モチベーションを維持する仕組み
• お金を使おうとすると、
自動的に貯蓄もされる仕組み
コアコンセプト
• 貯蓄する仕組み
→1か月で使いたい予算、貯めたい額を決めておく。
(=「あるだけ使う」を防ぐ仕組み。残りは自動的に貯金される。)
• 続けるための仕組み
→離脱の防止
1.毎日一定額が「お財布」に支給される(=月末に困窮しない)
2.所持金以上の出費がある場合、所持金を払ってガチャを回す
• ガチャ代は、直接「ほしいもの向けの貯金」へ
• 1か月の予算を上限に、ガチャで得られた金額が「お財布」に入る
→継続のモチベーション
1.「ほしいもの向けの貯金」が目標額を超えると、リワード獲得!
「ほしいもの」が送られてくる
主な機能
その月の目標額を
決める
毎日の支給額を
受け取る
足りない分は
ガチャ(貯金)
ほしいものが
もらえる!
1日の生活費
飲み会などのやむを得ない出費など
貯金が貯まるとAmazonなどから自動で
「ほしいもの」が配達される
デモ
まとめ
•家計管理のモチベーションアップのしくみ
1.モチベーション低下を防ぐしくみ
→自動で貯蓄されるので煩わしさがない
→給料日前でも苦しい生活にはならない
2.モチベーションを高める仕組み
→節約するとほしいものが送られてくる
ご清聴ありがとうございました!!
「ほしいもの」が得られるフィードバックがあると、モチベーションがあがります!
R-Stack Hack Day 2019 Party-A Team
補足
• お金の流れ
その月のプール金
ガチャ費用
ガチャ報酬
こんなになったらいいな
• パーソナルなデータは、プラットフォーム(売買、決済等)を
跨いで個人の意思で利用できる
• 個人間の資金移動は決済プラットフォーム事業者がよしなにしてくれ
る

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R-Stack Hack Day 2019 Party-A Team