IPA's US Household Finance Initiative is working to test a path to savings that allows customers to save on impulse.  An excerpt:

“People have intensions to save” but “get derailed by the lack of a clear, easy path to start saving,” said Innovations for Poverty Action's (IPA) Jonathan Zinman, a Dartmouth College economist who worked with Coleman to create the product. The non-profit IPA granted $15,000 this month to set up RiteCheck's program.

IPA is testing other programs for low-income people, including a savings account with a low $15 minimum deposit at a Washington, D.C., credit union and a debt-repayment program at a Tulsa, Okla., tax-filing service.

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