At Prosper IQ Institute, our business model is designed to deliver long-term value through high-impact education, personalized support, and community-driven growth. We operate at the intersection of education, technology, and finance, focusing on making financial literacy accessible and transformative for individuals, professionals, and entrepreneurs across Singapore.
🎯 Core Value Proposition
Our core value lies in our ability to simplify complex financial concepts and deliver them through structured, interactive, and practical learning formats. We equip our users not just with knowledge, but with the confidence and tools to apply that knowledge in real-life financial situations — budgeting, investing, saving, debt reduction, retirement planning, and more.
📚 Product Offering
We monetize primarily through three service categories:
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Online Courses
Our tiered course offerings — from foundational to advanced — provide learners with self-paced, modular content. This model ensures low marginal cost of delivery while allowing us to scale reach efficiently. -
Subscription Access & Bundles
We offer optional bundled packages and annual subscription models that give learners ongoing access to course updates, exclusive workshops, and member-only content. This recurring revenue stream supports continuous engagement and retention. -
Personal Financial Coaching
One-on-one consultations and coaching sessions are delivered by certified financial professionals. These services are priced on a per-session basis or through discounted multi-session packages, providing a personalized, high-touch complement to our digital products.
🧩 Revenue Streams
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Course Sales (One-Time Payments):
Students purchase individual courses with lifetime access. Each course is designed to be a self-contained, high-value product. -
Subscription Model:
An annual membership unlocks premium content, community forums, live Q&As, and ongoing updates to all course material. -
Coaching Services:
Personalized financial coaching is offered on a pay-per-session basis. High customer satisfaction and visible results lead to high rebooking rates. -
Corporate Partnerships & Licensing:
We license our educational content to institutions and corporations seeking financial wellness programs for employees. These B2B relationships expand our reach and generate bulk contract revenue.
🌍 Target Audience
Our services are built for:
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Young professionals seeking financial independence
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Mid-career individuals planning long-term investments
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Business owners aiming to manage cash flow and risk
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Singapore residents navigating CPF, tax planning, and home ownership
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Anyone seeking a structured path to build wealth and reduce financial stress
🔧 Operational Efficiency
We use a tech-enabled backend to automate course delivery, payment processing, CRM, and user onboarding. Our lean team structure, paired with outsourced instructional design and remote financial coaches, allows us to minimize fixed costs while maintaining flexibility.
Content production is centralized, updated periodically based on market changes, regulatory shifts, and learner feedback. This ensures our offerings remain both current and practical.
📈 Growth Strategy
Our long-term growth strategy includes:
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SEO-Driven Content Marketing:
Financial literacy blog, YouTube explainers, and downloadable resources attract organic traffic and funnel users into our ecosystem. -
Affiliate and Referral Programs:
We incentivize satisfied learners and financial influencers to share our platform, expanding our reach at minimal acquisition cost. -
Corporate B2B Expansion:
Developing partnerships with Singaporean firms to implement employee financial wellness programs using our courseware and coaching. -
Mobile App Development:
A future app will allow for micro-learning modules, push notifications, and gamified progress tracking.
🤝 Social Impact and Sustainability
At the heart of our model is a commitment to social impact. We allocate a portion of our revenue to provide free access to selected courses for underprivileged individuals, students, and single-parent households in Singapore.
We aim not only to be profitable, but to foster real, measurable improvement in the financial well-being of our users.