The Problem

Barriers in Traditional Systems

​

1. Limited Financial Access:
   Many individuals with special needs cannot meet traditional banking requirements, such as signing forms or accessing in-person services. This lack of access conflicts with CRPD Article 9 (Accessibility) and limits financial independence.

2. High Costs:
   Transaction fees for therapy services, caregiving, and aids often place a significant financial burden on families, especially in regions with limited government support.

3. Lack of Autonomy:
   Reliance on caregivers for financial management restricts individuals’ ability to participate fully in society, opposing the independence envisioned in CRPD Article 19 (Living Independently).

4. Fragmented Ecosystems:
   There is no unified platform connecting families, caregivers, and service providers, creating inefficiencies and limiting access to essential resources (CRPD Article 28, Adequate Standard of Living).

 

Global Challenges

1. Disparities in Access:
   Access to financial services, therapy, and aids varies globally. Developing regions often lack the infrastructure needed to support individuals with special needs, exacerbating inequalities.

2. Exclusion from Digital Economy:
   Many individuals with special needs are unable to participate in the growing digital economy due to a lack of accessible financial tools or platforms, further marginalizing them.

3. Inconsistent Social Support:
   Government and NGO support systems are often limited or unavailable, forcing families to bear the financial burden for essential services like therapy and aids.

 

Systematic Issues

1. Lack of Transparency in Funding:
   Families and organizations often face challenges ensuring that raised or allocated funds are used for their intended purposes.

2. High Cost of Cross-Border Transactions:
   International payments for therapy services or imported aids involve high fees, making critical resources inaccessible to many families.

3. Limited Awareness of Accessible Solutions:
   Many families, caregivers, and service providers are unaware of accessible financial tools that could improve their quality of life.

4. Difficulty in Collaboration Between Stakeholders:
   Families, caregivers, service providers, and organizations operate in silos, leading to inefficiencies and missed opportunities for coordination.