Ask questions below and receive answers directly from the target company's team members.
Please post your question in English so that all of our investors are able to participate in the discussion.
anonymous 7 days ago
I can find the fiscal report 2018 for PCKT Money Oyj and Devolon Oy from the attached files, but there are few questions to ask:
First of all, why can't I find fiscal 2018 from the official sources (as the attachements are not official)? I can find 2017 from official sources, but not from any material from Invesdor.
Secondly, there are no information of the Develon Oü's fiscal performance (except of general description it being profitable). Why is this? Also, I can see from the team of 17 experts, but official sources states 22. If there are 5 persons for admin, it seems quite high, imho. The cost structure is very difficult to analyze without any inside information. Also, I'd like to know the story behind the 20 427,23€ of unpaid tax arrears (that was recently paid).
anonymous 14 days ago
Kirjoitin suomeksi, jotta en häiritse asialla sijoittamista, jos kyseessä onkin ongelma minun päässä. Olin yhtedessä sähköpostilla , uskon että selviää.
I have invested also for this app, thus I really believe that this will be well taken from the public. There is also a one aspect which I think you have missed - grandparents can have this tool to be sure that the money goes to grandchild and it is not used to daily expenses of the household. Also I have a one child at the moment who has been taken from the parents due problems, and lives with us. This is the way I can prevent the parents to use the money, and same time I can teach the child to use a card and control the expenses, and save some money. So really good tool in many Can this 3€ also be paid in bigger lots, like 15€/30€ ?. In future I am sure that bank will take a payment of these movements on your bankaccount. Kindly Hele Aminoff
anonymous 15 days ago
Yritin ladata appstoresta, jumittui kohtaan : en ole poliittisesti vaikutusvaltainen...ei mene siitä eteenpäin. Kuinka valmis sovellus on oikeasti käyttöön? Hele Aminoff
anonymous 27 days ago
Hello, Regarding the use of funds. The marketing Budget is 48% which is a significant chunk. And you wanted to outsource this whole thing to a marketing agency. Do you think it’s fine? I do see there is no marketing person in the team to advice about the usage of funds. Ignore this if it’s internal decision but just bit skeptic
V.A. about 1 month ago
Did I understand correctly that your plan is to 1) teach children to keep better care of their money, 2) by a system that charges 3€/month for managing 5€ weekly pocket money?
anonymous about 1 month ago
Hi, few questions to clarify: 1) Has there been demand and plans for enabling contactless mobile payments through PCKT instead of requiring a card? If yes, how would you monetize it? 2) You mentioned some advantages compared to traditional banks. Do you have any competitive advantage against similar services such as Go Henry, Rooster Money and Osper? 3) Go Henry has stated that one of their key challenges is creating the market. Do you see the situation being same in Nordics and targeted European markets? What have been the key pushbacks in feedback from test group so far?