At the end of last year, Wells Fargo introduced a new application called "Daily Change," a tool meant to improve and incentivize savings by challenging customers to take on tasks like bringing lunch for a week. The app measures progress ad sends congratulatory messages and then follows up by asking them to transfer the money saved into their savings account. While this app is utilized to improve savings. Wells Fargo can also use it for marketing and increased customer engagement. The push notifications and reminders can drive users to use their mobile banking app on a more regular basis increasing bank-customer interactions.