Behavioural savings

Hey guys

I wanna share an insight on how the Startups like Jar and Decimal are cultivating behavioural investing by rounding up user purchase to near 10…or 20 in an auto-pay model.

Actually this may not seem like a big thing from outside but the behavior that is developed.

#will surprise the use after doing it for some time, especially for a 18-25 person.This would really feel like FREE MONEY sometimes.

#will bring traffic in transactions as ,people will opt Jupiter as a habit.

So I suggest Jupiter to try to include the feature with your cool UI/UX systems. This will become a HIT in the youngsters.


Isn’t this similar to Niyo’s invest the change? :eyebrow:
We’ve seen so many requests for this feature.

This poll will decide this features fate :stuck_out_tongue:

  • I do need it! It’s handy.
  • Nah, not really. But it’s cool.

0 voters

How often is this used anyway? @eric12josanto :typing_bot:


Yes niyo invest the change follows the same concept.

Frankly speaking I haven’t used this feature from anyone :grimacing:but I strongly believe that the behaviour made from these services will make the users hooked.

But the hype and huge fundraising by startups revolving around the same feature is just mind blowing and raise questions on How do they get profitable :thinking:

But this feature in a Neo bank like Jupiter with an ecosystem of debit card, UPI along with rewards given through gamification User interface will be amazing:dizzy::dizzy:


In terms of “creating a habit”, we’ve done something of our own.
The savings challenge! It helps users to save bit by bit in order to achieve a goal. An addition, you get rewarded along the way for your healthy savings habit (That is, being on time) :alarm:

The only con is that it’s for 6 weeks. We need something permanent huh :eyebrow:
Something more ‘unconscious’? Savings should be an instinct.


Yes I do really appreciate and like that feature (pots - different pots for different goals) ,Personally even I’m saving via pots.:+1::+1:

And I also agreed to the fact that saving and investing should be an instinct.

But this rounding off feature **will be more like a "self-gifting " rather than investment aspect of it.**:sweat_smile:

1 Like

I dont think it improves the saving habit of the user but I think it could make a difference to people who spend to much and complains that they cant save money…

To my opinion majority doesnt think about saving until a moment comes at which they regret about it…

Fi rules is a good one + Investing the saved amount in mutual funds like in niyox makes the user less tempted to spend it (until user gets emotional that their fund is performing low)… User get to choose whether they opt in or not, which rules to choose, whether they need to save it in pots or mutual funds…

This would be a good feature… But i dont think i need it :joy: (my friends would need it ):ok_hand:


Hey does anyone have any idea about this…

Companies soling building on providing this rounding off and savings feature which I mentioned above”…How do they generate revenue or PROFIT.:thinking:

( I know that they sometimes invest these savings to direct liquid mutual funds or digital golds( like niyo,jar) but there also no scope for revenue right? )


No way! Look at those votes.
This is a handy feature for sure but not many seem to use it.


I do. FI has it. It’s called “FIT rules”. I love it! Auto saving change into jars is ridiculously fun, and if done right that’s more user interaction with the app.


@nateavi I think, it is one such feature manybpeople wanted on jupiter. I could see many talking about it.


This! Meet my FIT rule lol.

I love that dopemine hit every time I see this in action. Make a payment, and the app moves a tiny sliver to a jar. Yay!


I use this in other apps and absolutely love it. Really does feel like free money. Use the money at the end of tax year for a little treat !


This is must have and should have priority over everything Jupiter is doing.
This is the only thing which is stopping me using Jupiter full time.
FI is too good in this.