Millennials today could really use some money management skills and the best way to do that is offering rewards. The app could have an in built money manager which would offer customized rewards based on the customer’s preferences. You get rewards for reaching certain savings milestones and the app helps you reach them. It’s like a game.
This can even be inculcated with behavioral banking to learn about the customer through their transaction history or by surveys, like one of those preference selection windows on music apps, nowadays. Payment apps already offer discounts, gifts and what-not. So why not turn it into a game? There could be levels, upgrades, gifts and rewards! It’s fun and you’d be doing them and the future of the nation a service. :v