Early warning financial risk system to help Midlands-based manufacturing SMEs navigate economic turmoil

金融风险预警系统帮助中部制造业中小企业应对经济动荡

• 批准号: 10081620
• 金额: $ 44.48万
• 依托单位: ELEMENTARY B LTD
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2024
• 资助国家: 英国
• 起止时间: 2024 至 无数据
• 项目状态: 未结题
• 来源: https://gtr.ukri.org/projects?ref=10081620
• 关键词: Early; warning; financial; risk; system

A lack of information, digitisation and access to the right financial planning/banking solutions costs UK SMEs £16B/year in lost manual financial management and overpaying banking fees (ACCA,2022; McKinsey,2021). Now more than ever, SMEs are affected by a lack of tools for making effective financial plans (PWC2023) and closing shop at unprecedented rates due to the constant flux of global economic events impacting every aspect of their businesses. 25% are not expected to survive the year, creating economic losses of £500B in turnover and 2.8M jobs (ACCA,2022). For UK manufacturing, responsible for £400.8bn/sales, 51%/UK's-total-exports and 64%/UK R&D spend (MAKE2023), economic uncertainty is even more disproportionately impacting due to dependencies on global supply chains for the sourcing of raw materials fundamental to their productivity.Acting as an early warning system, Elementaryb's affordable, plug & play sherloc platform notifies SME finance directors when a macroeconomic or geopolitical shift poses a risk to their financial plans in order to mitigate risk and reduce financial loss arising out of direct and indirect dependencies to global economic, supply, climate and political events. Sherloc uses artificial intelligence and leverages data standards to help SMEs plan, and monitors global activity impacting their landscape in real-time. When changes are detected, sherloc provides the intelligence, data and expertise needed using natural language processing and a graphical user-friendly interface for SMEs to proactively action, increasing profitability and survival of UK SMEs.Elementaryb are seeking grant funding for an industrial research project to implement sherloc in 20 West Midlands-based SMEs and drive the innovation within an industry vertical (manufacturing) and sub-vertical (£5m-10m/turnover/food & beverage sub-sector) through to TRL9 that can be scaled across wider manufacturing and processing hubs in the UK and Commonwealth due to shared data standards and sensitives. The Midlands was chosen as it accounts for over 25% of England's manufacturing workforce (MEP2021) and has been unable to recover post pandemic due to the difficult macro-economic conditions and dependencies on climate change, supply chains and changing customer demands (LSE2022).

由于缺乏信息、数字化和获得正确的财务规划/银行解决方案，英国中小企业每年因手工财务管理丢失和支付过高的银行费用而损失 16B 英镑（ACCA，2022；麦肯锡，2021）现在，中小企业受到的影响比以往任何时候都更大。 25% 的受访者表示，由于缺乏制定有效财务计划的工具（PWC2023），并且由于全球经济事件的不断变化影响了其业务的各个方面，因此以前所未有的速度关闭商店。预计今年不会持续下去，造成营业额 500 亿英镑的经济损失和 280 万个就业岗位（ACCA，2022）对于英国制造业来说，销售额为 4008 亿英镑，占英国出口总额的 51%，占英国的 64%。研发支出 (MAKE2023)，由于依赖全球供应链来采购对其至关重要的原材料，经济不确定性的影响甚至更加严重。作为早期预警系统，Elementaryb 的经济实惠、即插即用的 sherloc 平台会在宏观经济或地缘政治变化对其财务计划构成风险时通知中小企业财务总监，以减轻风险并减少因直接和间接依赖而产生的财务损失Sherloc 使用人工智能并利用数据标准帮助中小企业进行规划，并实时监控影响其状况的全球活动。当检测到变化时，Sherloc 会提供情报和数据。以及使用自然语言处理和图形用户友好界面所需的专业知识，让中小企业主动采取行动，提高英国中小企业的盈利能力和生存能力。Elementaryb 正在为一个工业研究项目寻求拨款资助，以在 20 家西米德兰兹郡中小企业中实施 sherloc，并推动垂直行业（制造）和次垂直行业（营业额/食品和饮料子行业 500 万至 1000 万英镑）内的创新，直至 TRL9，可扩展到更广泛的制造和加工领域由于共享数据标准和敏感性，英国和英联邦的中心被选中，因为它占英格兰制造业劳动力的 25% 以上 (MEP2021)，并且由于困难的宏观经济条件和依赖性而无法在大流行后恢复。气候变化、供应链和不断变化的客户需求（LSE2022）。