Licensed by the Bank of Zambia to operate a wallet, DigMo offers a secure, free digital money account with a special account for users to play a “financial planning game” which incentivises customers to get started putting money away for the future. By giving customers the chance to win big rewards, the startup says it is encouraging sustainable habits. With an initial rollout in Zambia, DigMo wallet’s first offering, Save to Win, makes putting money away regularly, easy and rewarding with no fixed costs or fees.