U Money Financial Smoothing – No Interest Ne Fee Credit

Then and only when and as needed UBOMI (Platinum) Members can access via the U Money feature “U Cash”.   A no interest, no fee credit facility to smooth their finances keeping them on track to achieve their personal “save-n’-spending” goals.   As Members needs and plans flex and change this becomes a credit management alternative to traditional interest charging alternatives like credit cards over time.

Access to U Money is a feature of the fee based ”Platinum Membership”.  The key overriding principle here is adding incrementality value – “monetized” verses the UBOMI Membership fee.  Simply, savings offered within the Platinum Membership to meet the demands and plans of UBOMI members are customised to add greater value to Members than the Membership Fee needed to offer this service.  Once established a UBOMI Member truly cannot afford to be without it. 

Unique merchant “deals and discounts” in the U Shop spend’n save feature give Member advantage across all expenditure types, from “needs” expenditure (utilities, stables, food, rent, and fuel) to spend’n save availability on perhaps life discretionary or luxury expenditures as Members reward themselves for staying on their successful UBOMI goals path. The “monetary value gap” therefore grows exponentially overtime. Members and Merchants are linked in the journey via the U Shop feature. U shop becomes accessible to members in trial steps starting free and at no cost, increasing in opportunity range and value within the Bronze, Silver, Gold and Platinum Memberships.