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Spend to Save Platform

Behavioral Finance–Driven Savings Engagement for Modern Banks

Trapeza Tech’s Spend to Save Platform is a behavioral finance–powered savings solution designed to help banks increase deposit mobilization, improve customer engagement, and drive long-term retention. Built with real-time core banking integration, the platform transforms everyday transactions into structured savings opportunities.

The solution enables financial institutions to create customer-centric savings programs that encourage consistent deposits through automation, digital nudges, and personalized goal tracking.

Key Features

Automated Round-Off Savings

Automatically round up customer transactions and transfer the difference into linked savings accounts, encouraging effortless micro-savings.

Goal-Based Savings Plans

Enable customers to set personalized financial goals with structured contribution plans, progress tracking, and milestone notifications.

Behavioral Nudges & Engagement Triggers

Use real-time alerts, reminders, and data-driven prompts to encourage saving behavior and sustained account activity.

Low-Cost Deposit Growth Enablement

Drive incremental deposit accumulation without high acquisition costs by leveraging existing transaction flows.

Real-Time Core Integration

Seamless API-based synchronization ensures instant posting, balance updates, and accurate savings tracking within the core banking system.

Business Benefits for Banks
Increased deposit mobilization
Improved customer retention and engagement
Enhanced cross-sell opportunities
Data-driven customer insights
Scalable savings program architecture
Reduced dependency on high-cost deposit campaigns

Frequently Asked Questions (FAQ)

The Spend to Save Platform is a behavioral finance–based savings solution that automatically converts everyday transactions into structured savings opportunities through real-time core banking integration.

The platform rounds up customer transactions to the nearest configured value and transfers the difference into a linked savings account automatically.

Yes. Banks can configure savings rules, contribution frequencies, goal structures, and engagement triggers based on product strategy and customer segments.

Yes. It supports secure API-led, real-time integration with core banking systems for instant posting, balance updates, and transaction synchronization.

By embedding savings into daily transactions and using behavioral nudges, the platform encourages consistent micro-deposits, increasing overall deposit growth sustainably.

Yes. The platform is designed for retail banks, digital-first banks, and microfinance institutions seeking scalable customer-centric savings engagement solutions.