When payments were made in cash, saving was easier (keep the change and save it in a piggy box), nowadays this is physically impossible and spending money is easier as you don't feel the physical detachment as hard as when paying cash.
With Zave App any user of a debit card and mobile smartphone could save and invest money on the go at the same pace as he spends, with no need of a fixed monthly commitment.
We do this by rounding up each bill or purchase made with a debit card, the round up could be to the next unit (dollar, pound, euro or so), ten or hundred depending on the settings chosen by the user. Gaming and social features play setting up goals (i.e. $2K dollar for vacations in a year),see progress and share with friends.
Every person that currently uses a mobile smartphone (1,876 million people worldwide w/3G/4G) and a debit card (1,814 million debit cards in circulation worldwide) is a potential customer.