This is NOT about extending daily working hours, and NOT about saving money in advance of retirement at a bank. It is about having the opportunity to reduce current working hours and spending this time for other activities like volunteering or a different job at the community. Communities could work with financial services institutes to insure credits that are payed back to volunteers after retiring or to retire earlier.
Interests are granted based on social impact of a project. Employers can support this by reducing the wages less than the reduction of working hours that an employee requests.
This gives the person volunteering the option to add new experiences to their lifes, leave often boring job routines, helps communities to drive projects, and companies gain internal money to hire young people. What about the financial services companies? Well, this is more complex. Often, community projects look like not being related to business opportunities. But, there is a way to deploy resources that later turn into businss opportunities. Building a new child-care facility results in a few additional number of jobs. Upcycling may result in a new online shop or store with new job opportunities. And even the online job development can create new opportunities. Financial services become future investores refinancing the insurance and interests of the credits. Communities gained more flexibility of how to invest their usually small budgets. Projects would not depend on finding people that work for zero money.
It's a complex thing - lots of cooks and if one element fails the whole solution can crash.