I think a way a doing this, maybe not by linking to Strava (I hate running, so why would I want to run AND pay for the privilege?) would be something like this:
Setup a goal. Have a target AND a date to achieve that target. The goal then works out how much you need to save per month to meet that. If at the end of the month you have saved that, you get a star (and that means, unlike me who can’t save anything - that’s money paid into the saving goal and remains in the goal for the whole month). You get a Silver star if you’ve saved the required amount, you get a Gold star if you’ve saved a higher amount (20%+?). The amount to be saved to meet the target is dynamically calculated each month based on how much you saved.
So, for example.
Planning next years holiday - need to save £2000 in 10 months. So, the goal works out I need £200 per month on average saved.
First month - I save £200 so get a Silver star. That leaves £1800 to save in 9 months - so saving target stays at £200.
Second month - I have £300 so get a Gold star. That leaves £1500 to save in 8 months, so saving target moves to £187.50 per month.
Third month - don’t save anything. So no star. That leaves £1500 to save in 7 months so saving target moves to £215 per month although it can also suggest an additional one off payment of £100 to get back to track…
An added feature of Savings Goals could also be the ability to add optional ‘item amounts’ into the goal. The ‘saving for holiday’ is a good example - you need to book the flight, hotel, insurance, spending money so in the £2000 saving goal you could break it down to:
£400: Spending Money
Then the goal will tell you when you saved past certain levels:
You’ve saved £400 - congratulations you’ve covered your flights!
You’ve saved £1500 - You’ve got your hotel covered now!
You’ve saved £1600 - You can get your insurance
You’ve saved £2000 - Congratulations! You’re all set for a great holiday!
From Starling’s view (although I suspect people will hate this idea…) - they could even ‘monetise’ goals by having some suggestions of suppliers when you’re creating them. So, create a ‘Holiday’ one - get a link to Easyjet, Ryanair or Thomas Cook…