Savings Interventions


Scratch & Save: Engaging Digital Experiences Build Financial Security

Scratch & Save: Engaging Digital Experiences Build Financial Security

Scratch & Save, a digital prize-linked savings campaign was launched to motivate weekly small-dollar savings. Read an overview and the key takeaways to inspire and inform future use of digital features to drive savings and financial security.

Getting People to Save Their Tax Refund, The Largest Check They Get All Year

Getting People to Save Their Tax Refund, The Largest Check They Get All Year

The tax-filing season can be a time of great stress but it can also be one of the best opportunities all year for individuals to build up their short-term savings. Read about the case study to expand tax-related savings.

The State of Prize-Linked Savings

The State of Prize-Linked Savings

Prize-linked savings is a proven, innovative and engaging approach to savings. Read about the opportunities to grow PLS participation, drive business value for institutions, and help financially vulnerable people save.

Tax Time and Beyond:  Direction for Advancing  Financial Security

Tax Time and Beyond: Direction for Advancing Financial Security

Tax time can be stressful but also poses an opportunity for financial security. In this report, Commonwealth looked at how people can achieve large-scale and positive impacts on their savings at tax time.

Raise-Centered Financial  Security Strategies

Raise-Centered Financial Security Strategies

Wage hikes can be leveraged to maximize gains to workers’ financial security. Read more about how employees can build savings through targeted strategies and how these actions benefit both workers and employers.

Making “Someday” Come  Sooner: Saving While Paying Off Debt

Making “Someday” Come Sooner: Saving While Paying Off Debt

To help families build short-term savings, Common Cents Lab partnered with the Latino Community Credit Union to carry out a rounding experiment. See the results.To help families build short-term savings, Common Cents Lab partnered with the Latino Community Credit Union to carry out a rounding experiment. See the results.

Simplifying Enrollment in Round-Up Vehicle Loan to Build Credit and Savings

Simplifying Enrollment in Round-Up Vehicle Loan to Build Credit and Savings

Many people overpay on car loans in an attempt to shorten the term. However, the extra money could be redirected towards building credit and short-term savings. Read more.

Increasing Short-Term Savings

Increasing Short-Term Savings

The benefits of short-term savings are clear, yet research shows that 46% of Americans could not cover a $400 emergency expense. Read about the work Common Cents Lab undertook to increase savings behavior.

Increasing Saliency by Auto-opening Rainy Day  Accounts

Increasing Saliency by Auto-opening Rainy Day Accounts

How does having a designated “Rainy Day Savings” fund impact individual savings behavior? To find out, read this case study by Common Cents Lab that examines this very question.

Prize-Linked Savings:  Creating Financial Confidence & Opportunity

Prize-Linked Savings: Creating Financial Confidence & Opportunity

Products that offer an accessible entry point – both financially and psychologically – have an opportunity to help consumers take control of their finances. Read more about how.

Building Financial Security Through Integrated Financial Solutions

Building Financial Security Through Integrated Financial Solutions

People’s financial lives are more interconnected than traditional financial products suggest. Products that fail to acknowledge this optimize one function at the expense of the whole.