DreamSave™ is an innovative new solution from DreamStart Labs, designed in collaboration with Project Concern International (PCI). Every day millions of people in the developing world rely on informal community banks, known as village savings groups, to save money, grow their investments, and access short term loans. While these groups are changing the game, managing them is far from easy. Each month hundreds of transactions have to be calculated by hand. Cash deposits, which can grow large over time, are stored in the mud hut of a trusted member. And worst of all, members who work hard to build good credit history, are still invisible to formal financial institutions when they're ready for larger loans. DreamSave changes this dynamic forever, making it easy for groups to achieve their financial goals, build credit history, and connect securely to traditional financial services.
The DreamSave Story
Simple and Secure
DreamSave Pro™ is a powerful, easy-t0-use mobile app that runs on any Android smartphone. Using DreamSave Pro, savings groups can automate record keeping, enforce lending policies, and transfer funds to secure bank accounts through mobile money integration. As transactions are recorded, DreamSave automatically builds verified credit scores at the group and individual level. Managing savings groups has never been easier or more secure.
Full Financial Transparency
DreamSave Connect™ is a secure cloud service that ensures financial transparency by allowing any savings group member with a feature phone to get up-to-date information on their personal savings balance, outstanding loan status, and credit history at anytime.
Insights and Analytics
DreamSave Insights™ is a powerful cloud portal that delivers a wide range of custom reports for analysts working to support savings groups in the field. It features advanced machine learning and predictive analytics to uncover insights that help savings group members accelerate their progress out of poverty.
No Internet, No Problem
Many savings group users live in remote areas with limited internet access. Those who connect often can't afford the high cost of data. Fortunately, these challenges are not a problem for DreamSave users, thanks to our innovative DreamSync Extreme™ technology (patent pending). At the end of each meeting, all transaction records are compressed, encoded, encrypted and backed up seamlessly to the cloud via SMS. No internet connection or data plan is required.