Thursday, 17 July 2025

FINANCIAL DISPENSER (UNUSUAL FINANCIAL PRODUCT) - JACK'S CURATED BUSINESS IDEA - Curated Business Ideas - Empowering And Inspiring

 FINANCIAL DISPENSER (UNUSUAL FINANCIAL PRODUCT) - JACK'S CURATED BUSINESS IDEA - Curated Business Ideas - Empowerment and Inspiration - Empowering And Inspiring Generations 


1.1.   The Problem


Some earn money monthly but get broke before the next payday. They rely on borrowing money from associates or other lenders.


1.2.    The Solution


For the earner, you could first and foremost pay your major bills upon receipt of income.

You could pay the agreed amount to the financial dispenser by direct debit or standing order, either monthly or as agreed.



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1.3.   The Business Idea


The financial dispenser collects money from clients monthly or as agreed, and then they dispense it every x days as agreed (e.g., every 5, 6, or 7 days). The process can be automated and should be transparent.



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1.4.   Monetisation Plan


You could charge a fee for carrying out this service — monthly, annually, or as agreed.

Options shall be available to clients. Other income strategies or monetisation plans include:


• A sales funnel for complementary products and services

• Affiliate marketing

• Optimising a mailing list of clients

  • Selling the business template as a licence to other businesses who are interested in this business model.



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1.5.   How It Works


• There shall be a standing order or direct debit from clients; this could be done monthly or as agreed.

• You need to agree on the frequency of dispensation.

• Terms and conditions with legalities must be finalised before the contract begins.

  • Funds are dispensed at agreed intervals and amounts.
  • Fees of dispensers are deducted from the funds in advance.


Example: Client pays £100/month, business takes £10 fee (10%), and dispenses the remaining £90 every 5 days at £18 each.


• Requires Information technology (IT) systems and automation.

  • Business must be legally registered.


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1.6.   Business Location


It is recommended to operate the business locally, with registration in the country of residence. The business shall, however, be internet-based.


1.7.   Benefits


• Solves cash flow problems for clients lacking financial discipline

• Monetisation opportunities

• Mailing list building

• Market monopoly potential

• Added Societal value

• Job creation

  • Wealth generation


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1.8.   Threats and Weaknesses


• Loss of money due to service fees

• Fraud

• Trust issues

• Conflict

• Money laundering

• IT outages

• Data security breaches

• Staff absence

• Litigation

  • Banking issues, etc.


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1.9.   Marketing


You can leverage:


• Digital marketing

• Social Media Marketing 

• Referrals

  • Website presence, etc.



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1.10.   Legalities To Consider


• Agreements with all stakeholders concerned

• Articulation of terms and conditions

• Awareness of, and compliance with regulations and regulatory bodies

• Business registration (sole trader, limited liability, etc.)

  • Awareness of litigation risks.


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1.11.   Risk Management


• IT problems

• Third-party issues

• Staff absence

• Internal and external fraud

  • Banking disruptions, etc.


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1.12.   Requirements for the Business


• IT infrastructure

• Website

• Software

  • Relevant skills 
  • Possibly a team

• Bank accounts

• Business registration

• Online legal documents (e.g. T&Cs, contracts between yourself and third party, etc.)

• Insurance for eventualities.

• Strong internet access

  • Clear expectation management



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1.13.   Strengths and Opportunities


• Market monopoly of a novel product

• Monetisation

• Scalability

• Moderate capital costs

• High ROI (Return on Investment)

• Passive income potential

• Job creation

• Government revenue

  • Wealth creation



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1.14.   Business Model Summary


Clients deposit money into a platform. In return, the business pays back the money at agreed intervals (less admin fees). Dispensation could be weekly or every 3, 5, or 7 days, etc.

Terms and conditions shall apply.


1.15.   Business Registration


• Choose a suitable business name

• Register the business

• Comply with regulatory legalities

  • Pay taxes, etc.


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1.16.   FREQUENTLY ASKED QUESTIONS


1.17.   Could the business be automated?


Yes — the business shall mainly rely on automation.


1.18.   Could the business be internet-based?


Yes — this is actually the preferred option.


1.19.   How could the business be scaled?


• Replicate in multiple locations

• Franchise the business model

• Sales funnel expansion

• Collaborations

• Complimentary income streams

  • Software licensing to interested others, etc.



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1.20.   In which currency should the transactions be made?


This should be in the local currency to avoid exchange rate issues and minimise complexity.


1.21.   Is there a need for checks and balances?


• Yes, to minimise fraud and build trust

  • Also implement a zero-tolerance policy for fraud.


1.22.   Is there a need for research and development?


You need to carry out your due diligence. You can leverage the following:


• Market research

• Competitor analysis

• Find out if there is adequate space in the marketplace

• You need to compute realistic financial figures

• Is the business model viable?

• Is the business sustainable?

• Is someone already doing the business?

  • Could you leverage their good practices, and could you avoid their bad practices or mistakes?


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1.23.   Is there a need to fortify systems and structures?


• Yes. If the business systems and structures are robust, you will spend less time on the business.

  • You become more efficient, and you shall have happy clients.
  • The processes become streamlined

• Trust is built.

• Marketing becomes easier, and monetisation increases.

  • You could also free resources for other uses. 
  • Always endeavour to improve your value proposition.


1.24.   Is there a need to incentivise clients?


This could be a good idea. 

  • You could create competitions
  • You could give secret gifts to clients who meet certain criteria
  • You could gift random clients
  • You could gift discounts periodically
  • You could give commissions to those who introduce new clients.
  • Etc.


These could help build client loyalty and longevity.



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1.25.   Is trust of importance?


Yes, it’s one of the major ingredients of the business. You need to leverage integrity and transparency.


1.26.   Should there be a minimum deposit?


Yes, there should. There should also be a minimum dispensation. These help make the business worthwhile.


1.27.   How could this business be funded?


You could explore funding from family and friends; investors, collaborators, crowdfunding, etc.


1.28.   Is there a need for costing and pricing?


Yes, this is very necessary. You need to get your number crunching right, otherwise you could run the business at a loss.



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1.29.   Will the clients’ interests be protected?


  • Yes, policies and procedures shall be put in place to protect the client, especially against fraud. Systems shall be transparent. Staff or clients suspected of fraudulent practices shall be forwarded for prosecution. Insurance policies shall be in place.


  • Clients could terminate the contract at any time (Terms and Conditions apply). It’s in the interest of the business to make clients happy and satisfied. That way, the business could grow.


  • Adequate training shall also be given to staff. Expectation Management for all parties shall be adequately explained in audio, video, and text.


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1.30.   Disclaimer

This is basically an academic exercise. Even though the idea is apparently great, it doesn’t guarantee anything. Please carry out your due diligence as necessary. We are not liable for any financial or other losses that may occur.






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Useful Links:



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Jack’s Curated Business Ideas - Over 120 Curated Business Ideas 


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Business Collaboration With Jack Lookman 


Jack Lookman’s Courses 


Jack Lookman Limited 


Jack Lookman’s Paperbacks 


Jack Lookman’s eBooks 


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Thank you very much for your time. I hope that you got some value. 


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Thank you very much for your time. 


This is Olayinka Carew aka Jack Lookman signing off. 


Ire o (I wish you blessings)


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