How could banks Gamify desirable transactions for their customers?

Hey, at the moment I'm looking for a solution for a similar question here in germany. Especially products or services that have a long contract period are difficult to conceive by the customers. The human thinking likes short-tern actions. One of the biggest problems concerning long-term products (that are often the most profitable ones) of a financial institute is that normally there is no more positive feedback for the customer until the contract ends. (depends on the product: occupational disablement insurance, personal pension scheme, life insurance and so on...) Our approach know breaks the long term arrangement into a multitude of short term goals and we're developing a tool for creating great infographics that it's much easier for the customer to understand and see the positiv short term progress within the longterm contract. So, the customer is on its own mission to achieve the overall goal for a save retirement.

The daily actions you asked for (savings, loans, and so on...) are tasks the customers have to do anyway, right? Tehy already have an account, have a credit card and so on. So, my recommendation would be to concentrate on the 'design' of this information. Make it sexy. Make even outgoing payments look amazing. It's much more fun and satisfying interacting with an attractive, usability friendly design. Be honest, the most banking wesites suck. We are working successful with this option :-)

Rewarding for desirable actions? Just status. For example having a daily look at the own online account is a 100% achievement. 30 days in a row - hey, you're the major of your accoutn and can't be overtaken by bad news. And more, and more.... Hope that at least this will give you some new thoughts. The banking branch is a very special one and it depends heavily which kind of bank we are talking from. Roman