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Quber is a FinTech app that brings fun to an all-too-often overlooked aspect of personal finance – saving money.

When people think of personal finance, they envisage hot stocks, tech plays, hedging or getting the best interest rate. But Moncton-based Quber has made a game out of the essential – if less glamorous – task of restraining your spending.

Founded by Jen Leger and Venky Kulkarni, Quber is a mobile app that lets people set goals for their savings, and channel the saved-money toward something important. As well as a data-based analysis of individual spending habits, the app features a picture of a savings jar, and the more money you save by cutting out little purchases, the more that jar fills up with coins. The goal is to save enough that you can move the full jar toward something bigger, like a vacation, a car, or long-term savings.

“Quber helps people be more mindful about their spending and helps them saving for things that they want,” said Leger in an interview last week. “We’ve taken the old model of the saving jars people used to put change in to save for something they want, and we’ve digitized it.”

The app can analyze a person’s or family’s spending and identify ways to cut back on things like eating out less or buying less extravagant clothes. Leger said she’s become intrigued by the psychology of saving, and believes that people are rewarded by seeing coins go into that digital jar and getting one step closer to their saving goals.

“I have my Fitbit and for some reason it motivates me to get out and run,” she said. “I don’t know why. But you set yourself a personal challenge and we’ll let you know that you’re on track. It just keeps you on track.” Leger and Kulkarni are already make headway with the roll out of the app. On Thursday night, they will be one of five provincial finalists competing for top spot in the $1 million Breakthru competition, the New Brunswick Innovation Foundation’s biennial event that seeks the top new startups in the province.

As they’ve gone through the competition, the co-founders have produced a product for an iOS platform, which is now in a closed test with friends and family. They are planning a full beta test in about four to six weeks, and are hoping to have an Android-based app ready in June.

Quber has already linked up with “a regional financial institution” and are working on a full release of the product this year with about 8,000 to 10,000 users.

It’s not only regional institutions that are interested in Quber. Leger recently joined a mission to India, and she’s now talking to Indian institutions about using the product. She and Kulkarni have had talks with some of the big Canadian banks, as well as institutions in Singapore and Sweden.

Leger and Kulkarni are hoping to win one of the three Breakthru prizes, which range in value from $176,250 to $374,250. They’d use the money to bring on a full-time developer. But with the feedback they’re receiving, they plan to push on regardless of the outcome of Breakthru.

One reason that financial institutions are eager to work with Quber is that it is a FinTech outfit that wants to work with big institutions rather than disrupt their business. With a collaborative approach, these institutions see Quber as something fun and quirky that can help their clients save money.

“The financial institutions are starting to see the startups can come in and get things done a bit faster than they can,” said Leger. “So every financial institution that we’ve talked to knows that they need to improve on their technology and we hope to work with them.”


Source: Quber Modernizes Traditional Saving by Peter Moreira March 19th, 2017



À 38 ans, Jennifer Leger va lancer sa première application mobile dans deux semaines : Quber.ca. Un programme qui aide à épargner de l’argent tout en s’amusant. Mère de deux ans et femme d’affaires, Jennifer Leger jongle avec ces deux chapeaux depuis le début de sa carrière. Cette semaine étant marquée par la Journée de la femme, nous avons voulu la rencontrer pour qu’elle nous parle de son projet et des défis d’être une femme entrepreneure.

L’Étoile : À quoi sert Quber.ca?

Jennifer Leger : On a pris le concept des pots d’épargne (saving jars) et on l’a mis en ligne à travers une application. Les utilisateurs créent et sauvent de l’argent pour des buts précis : par exemple, arrêter les cafés à Starbucks pour partir en vacances. On transfère l’argent qu’ils ont économisé dans des pots d’épargnes virtuels. On regarde où ils dépensent leur argent et on essaye de voir sur quoi ils peuvent économiser. C’est tout automatique. Ils nous donnent leurs informations et on les analyse. Nos recommandations sont données sous forme de défi. Après, l’utilisateur décide s’il veut accepter le défi ou pas. On Jennifer Leger, jeune entrepreneuse, créatrice de l’application mobile Quber.ca Partager Facebook Twitter Courriel souhaite faire un partenariat avec les banques dans un futur proche pour que leurs clients puissent utiliser directement l’application en lien avec leurs systèmes bancaires.

L’Étoile : Comment est venue l’idée de créer cette application mobile?

J. L. : Gérer l'argent a toujours été un problème pour moi depuis l’université. Je n’ai jamais vraiment su comment faire et je me suis souvent sentie seule face à ce problème. J’ai vu que je n’étais pas la seule. Il y a beaucoup de personnes qui n’épargnent pas et vivent au jour le jour. Aujourd’hui, c’est tellement facile de dépenser, on a juste à clipser sa carte.

Le nom de l’application Quber est en référence au dieu hindou des finances : Kubera. Dans l’application, on a un petit sorcier qui s’appelle Kubera. C’est lui qui va donner les conseils pour sauver l’argent. C’est juste un moyen de rendre cela drôle et interactif.

L’Étoile : Concrètement, quel est le programme de ce lancement?

J. L. : Notre premier lancement est dans deux semaines. Ça va être fait en petit comité pour les amis et la famille. On veut tester les facilités d’utilisations. On a déjà quelques personnes qui ont signé pour essayer sur une version bêta. Le lancement public sera dans six semaines. On va commencer par une première version sur iPhone et la version androïde devrait arriver au printemps.

L’Étoile : Quels sont les défis que vous avez dû affronter pour monter votre propre entreprise? Existe­t­il des défis supplémentaires en tant que femme?

J. L. : L’un des plus grands défis a simplement été de trouver des ressources. Dès que j’ai eu l’idée de l’application, je savais que je voulais aller jusqu’au bout. Je me suis lancée dedans à 100 %.

En tant que femme, je pense que l’une des difficultés est de trouver un bon équilibre entre ma vie personnelle et professionnelle. J’ai deux enfants jeunes. Ce n’est pas toujours facile. Depuis que j’ai commencé à travailler sur ce projet, il y a un an, toute la famille a dû s’adapter.

L’Étoile : Mercredi a lieu la Journée internationale de la femme. Un grand forum est organisé à Moncton pour l’occasion, pensez­vous y faire un tour?

J. L. : Oui, c’est certain que je vais y aller. C’est toujours intéressant de partager son expérience avec d’autres femmes. Personnellement, je cherche aussi à discuter avec d’autres femmes qui ont traversé ce que je vis en ce moment et qui pourrait me conseiller. Ce n’est pas facile d’être une femme d’affaires et une mère de famille en même temps.

L’Étoile : Dans votre position de directrice, comment voulez­vous encourager le développement d’un système plus égalitaire?

J. L. : Pour moi c’est aussi important de rendre ce qu’on m’a donné. J’ai envie d’avoir une équipe hétérogène avec beaucoup de femmes, mais aussi beaucoup de diversité d'une façon générale. Il y a des jeunes filles de l’université de Moncton qui vont nous rejoindre bientôt comme stagiaires. Il y a aussi un créatif égyptien, très talentueux, qui est venu collaborer avec nous. Plus on a des gens différents, plus on a des idées différentes, plus l’entreprise grandit.


Source: Jennifer Leger, jeune entrepreneuse, creatrice de l'application mobile Quber.ca by Lisa Revil. Mars 6, 2017



Jen Leger, co¬founder of Quber.ca, doesn't need prompting to remember the business leaders who took the time to guide her as a debt¬laden University of New Brunswick computer science grad looking to make her mark in a crowded field, and a male¬dominated one at that.

An early hire at BMM Test Labs, she recalls watching inspired as company vice¬president Linda Lemieux grew the firm from two to 80 employees in short order, working with each one of them to develop their full potential.

"She was just a really, really great mentor," Leger says. "It was a fantastic opportunity for me."

She knows now that she was watching a real¬life example of the old business adage that great leaders don't create great followers, they create more great leaders. Now, it is Leger who is touted as a potential 'Business Leader of Tomorrow' as part of an initiative by 3Plus Corporation to identify and nurture those who might hold the reins of Metro Moncton's economy in the years to come.

3Plus, the Moncton region's economic development agency, has challenged their partners to identify tomorrow's business leaders and bring them to Friday morning's Building Leaders event. Organized by popular demand, the agency's partners had underlined how leadership succession was a priority for them.

"It had become apparent that the business community was obviously looking to the future," says 3Plus vice¬president Angela Harris.

And that's the essence of Building Leaders; those who attend bring with them someone with leadership potential from within their own company, or from within their own community who just might, some day, be the person who takes their business to the next level.

"The times are changing," Harris says. "We are seeing right here in the Greater Moncton area a lot of younger leaders come into different roles. There are a number of young leaders in our community who are ready to take the next step."

With her start¬up Quber.ca, Leger and co¬founder Venky Kulkarni identified an opportunity, but more importantly, they acted on it. Their program shows users where they are spending their money. It offers options for wiser spending and for developing seamless saving habits. There are lots of apps out there to help you track where your money is going but few, if any, show you easy choices for spending less and which automatically divert money into your savings account, for example, by taking the change from this morning's large double¬double and automatically sending it to the bank account of your choice or other savings vehicle.

"It actually makes it fun to save money," Leger explains.

Quber's soft launch is just a couple of weeks away. It goes mainstream in four to six weeks.

Creating young leaders is a balancing act, Leger, 38, says.

"You have to give people the freedom to learn, to make mistakes on their own. But you also have to give them the guidance that we need," she says.

Building Leaders features workplace leadership expert Pierre Battah speaking on three leadership strategies of the future; three ways to build tomorrow's leaders now; and three keys to retaining your future leaders. The event is aimed at those age 39 and younger.


Excerpt from: Meet Moncton's next generation of business leaders by James Foster. Times & Transcript. March 2, 2017



There’s nonstop chatter in New Brunswick about how to transform the province and make it a more prosperous and progressive place. The conversation has been going on for, oh, about a century or so. While lots of people talk, few take action. That’s been the problem.

That’s why we love people who get it done. People who create real opportunities in New Brunswick and beyond. People who are making a difference.

Venky Kulkarni – Innovator

As senior vice-president of business transformation, technology and digital Innovation for Medavie Blue Cross, Kulkarni knows the importance of innovation and technology in transforming traditional sectors. Earlier this year, he helped lead a trip to Waterloo, Ont. for a group of New Brunswick business people to learn about corporate innovation and how it could boost business here at home. When he’s not guiding one of Canada’s biggest healthcare solutions providers, Kulkarni is nurturing early-stage startup companies in the healthcare/insurtech and fintech sectors. His most recent involvement is with a new New Brunswick fintech startup called Quber.

Excerpt from: 7 New Brunswickers Who Get It Done by Huddle Staff, November 23, 2016