Design of financial products for Stored Value Card balance

Abstract

In our daily life, there are still some funds that are slow to circulate and the amount is relatively large, that is, the balance of stored-value cards, such as public transport cards, subway cards, etc. We can see that the stored value card plays an increasingly important role in people’s lives, so the research on that card is forward-looking. In this article, the author intends to design a new type of financial product for the funds that flows relatively slow. It will not only integrate social resources and create considerable returns, but will also generate a certain percentage of income. In return, let each stored value card holders obtain profit. The specific mechanism of this financial product will be designed in this article. In order to find the experimental object, the author decided to investigate the campus card, collect and analyze the data, use professional statistical software in research, and plan to design a financial product suitable for students.