What I like about Säästöt is that it is dealing with the correct target demographic. (rural or urban communities that lack traditional banking and financial planning services). Thoughts and recommendations. - As a customer / client, I like to meet face-to-face or speak with the rep of a service provider, especially if I have questions or something bad happens. I think that human interaction will be important for rural and urban users. Trust should be established, especially when dealing with incomes. Will there be a client facing role with the Säästöt savings reminder service like a customer service rep? Might make this idea more complicated, but worth noting that trust is important to gain confidence and grow usage by target demo. Perhaps you could reach out to local leaders to take on this role. - Rural and urban communities lack access to many services; however, from my experience, I found cellphones (old-school and smartphone) to be everywhere. There are many cellphone based money transfer services and programs. (MPesa, Kenya / Tanzania) Perhaps you could explore the possibility of transferring the savings envelopes electronically. It would be safer and more secure, but would require more leg work in terms of logistics or partnering up with telecomms service providers. Of course, though having the concrete paper envelope version would serve those without cellphones, but the 2 could work hand in hand.
This is a great idea that I would totally use. I hope that my feedback helps you nail things down.