700469ScoreClosedGRD Proof of MarketInnovate UKScore is a mobile app, aimed at students entering into university, which will teach them about money and credit management through visually engaging, easy-to-use gaming mechanisms. It is an independent and unbiased financial tool, which will serve to start building an early real world credit score for its users and is powered by a real-time, real credit-data website. For the user, it is a first step into the world of finance and credit. It will teach students about credit and give them the tools they need to budget responsibly; a vital skill, which they currently aren’t being taught in school. A survey undertaken by the Save The Student organisation found that 80% of students surveyed said that money worries are on their mind throughout university, with quotes like: We should have been given finance lessons when coming to university, most students have never had to budget before. I came from earning £200 a month in a part-time job at Halfords to being given £1,750 in my first month at university. I spent the lot in the first two weeks and survived on pasta and lentils for the next two months! The App will also provide financial institutions with predictive insights into behaviours and aptitudes which can then replace guesswork and translate into higher customer acquisition and loyalty whilst significantly reducing their exposure to bad debt. In real terms this would mean more favourable credit and loan terms for the user, less risk for the lender. Ultimately, we envisage that $core will make a significant positive impact on society and will be beneficial to the UK economy. We see better management of credit and finances as a key requisite for the employees and entrepreneurs of the future. Facilitating the early repayment of student loans, driving reduction, eliminating or reducing the need for payday loans and providing increased early investment opportunities for the savvy student would serve a future economy.