Hi I’m not sure if this has been brought up but might be an idea to help customer’s with savings goals.
Traditional banks allow you generally to have one regular savings account. I think it would be a good idea to be able to have multiple regular savings accounts where you can lock your savings into the account and link them to personal savings goals which can be set how you like. For instance Christmas isn’t too far away so you could have a present fund running alongside a new car fund at the same time and not being able to access the money unless absolutely necessary. Also regular savings accounts have higher interest rates that normal savings accounts so you would be helping your customers achieve their saving goals sooner.