Helping drivers save when income swings
Ride-hailing drivers have good weeks and bad weeks, but the bills stay the same.
An example week. The bar heights are illustrative.
By Geetika Gupta
Which gig workers?
Ride-hailing drivers
Paid per trip, settled daily or weekly. Income rises and falls with demand.
Income swings
Fuel cost
Choose where to driveIncome
WeatherHolidaysFestivalsDemandSolving this one: smooth out the swings.
Save a slice of each day
The driver picks a percent. It flexes with what they earn.
Example day amounts, not real data.
Slow day: a small slice. Big day: a bigger one.
Simple for drivers
Tap through the screens. Switch the language.
Save a little every day
Each evening, we show you how much to save.
Your Gullak
Take out
Money first. Tell us why later.
History
Example screens with example amounts.
Not locked
Emergencies come in all kinds. So the driver is never blocked.
- Take money outPick emergency. No lock, no questions.
- Two days later, a nudge"Why did you take it out?"
- One tap to answerMedical, vehicle repair, family, other. A note if they want.
- It lands in the historyThe driver sees where the savings went. We learn why drivers withdraw.
Finding the drivers
Marked as a driver
A clear signal.
Show the featureSmall payments, every day
From many different people.
Likely driver. Show it.Small shopkeepers have the same problem, so showing them it is fine. We read the results separately.
Does it work?
Run for one month, with the same promotion for both groups.
One number
Drivers who deposit at least 3 times a week.
How to read it. Bar heights are illustrative.
The target is set before launch, from real baseline data.
Scale, then automate
Tap to save
The driver taps each day. This builds the habit.
Saves itself
Offered once the habit shows up.
What could go wrong
Never locked. Take it out any time.
One tap from a short list. A nudge after two days, then a gentle reminder or two.
Tag likely drivers and likely shops. Read results separately.
The driver sets the percent and can change it any time.
The whole answer
- WhoRide-hailing drivers
- ProblemIncome swings week to week
- FeatureSave a percent of each day into a Gullak
- RuleNot locked. Money first, reason later.
- Test10% see it, a similar 10% don't. One month.
- MetricDrivers who deposit 3 times a week
- NextScale up, then auto-save every day