I think this is a really interesting discussion and great ideas @Bookman and all!
I absolutely understand the draw of gamification, but I kinda wonder if there is a way of “gaming” in a looser sense, towards a more… intrinsic way of understanding and relating to money. We want people to save, because saving is a good thing to do, not because you get a shiny icon on your profile (and yes… I totally understand the appeal of a shiny icon on your profile).
[A bit of this comes from my dislike of the star / reward charts that primary schools often use. Another story.]
A lot of other banks and similar have child / youth money awareness type programs. Perhaps you can take some of these and then teach the understanding of money - in both a practical and theoretical sense. You use technology to simplify and engage and working with parents (as account holders, through the app?) to guide their children towards becoming better savers, money users and money understanderers - almost a loose finanical literacy curriculum.
Parents become the teachers; Xinja just happens to help enable it. You can then start doing cool stuff, eg. Who can save more this month, the parent or the child?
My comments here are more related to a younger child having an “account” under their parents. For very much older children, you still want to push the intrinsic, but you could notch the learning up slightly and gamify a little more, while still not requiring them to “log in” every day.
I just thought of a really good product name for it too.
Now… where is my shiny gold star icon?
[I hope this makes any sort of sense…]