摘要：AbstractIndonesian middle class numbers continue to increase significantly. Some of them plan for their future, including their future finance. Middle class consumers do not have enough time to manage their personal finance. Some of them are not able to manage their income and outcome. Although they realize that they need advice from the advisor, they do not want to pay the personal finance advisory services, because its cost relatively expensive. They need easy and quick money management services. Financial planning solutions that are practical and comprehensive become a necessity for the middle class. As a techno entrepreneur, Mr. Steven as CEO CV.X wants to fulfill the needs of personal finance software, which it will become solution for the customer. In order to run this new business CV. X needs a business model that is suitable for the new business unit.The Author and developers’ team in the CV. X has done a study and development of personal finance software. The software has four main features: sub account and transaction management, financial plan calculation, investment calculation and money management, as well as financial statement. The software applied personal finance tools and knowledge: time value of money, financial report, and personal finance calculation (debt, life insurance, retirement, education fund, etc.). The development of the software is using rational unified process (RUP) framework. CV. X has to invest Rp 30.000.000 to develop the software and Rp 105.190.000 to run the business.The customer segments of the software are middle class in Indonesia.CV. X tries to make community relationship among their member. The software will deliver to customers with internet by website. The value proposition of the software is cheap, fun, and smart way to manage the personal finance. Help customers to reach their financial goals. Community is able to speak out about personal finances. The software is also providing up to date, accurate information related to personal finance. Key activities of the business are education, marketing, selling, research and development. Key Resources of the business are people, cash, and knowledge about personal finance. The key partners of the business are financial planner, financial institutions, financial
关键词：Techno entrepreneur;money management;web based application;personal finance
