Principles at a glance
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01
Balance friction and flexibility
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02
Support users in getting back on track
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Principles in action
Balance friction and flexibility
Principle 01
Users are hesitant to trust savings they can’t access—but they’re also hoping that depositing into savings will keep them from spending. Help users see how they can get the money back if they need it—but be wary of oversimplifying that process.
Support users in getting back on track
Principle 02
Emergencies happen! An unplanned withdrawal can build a sense of fear, uncertainty or frustration when revisiting a financial app. Financial service providers should take the first login moment after an unscheduled withdrawal to demonstrate empathy, and offer ways to get started again.
Explore other moments in Savings
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Setting Up A Plan
Let users build a savings plan tailored to their needs and preferences
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Ongoing Savings And Tracking
Help users feel motivated to meet their savings targets and work towards a brighter future
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Agent-Driven Collections
Cash reigns supreme in many markets - make deposits easy with accessible, agent-driven collections.
