FNB nav» uses gamification to reward and improve money management habits among South Africans
The most critical tasks and habits for better life outcomes are often the most difficult to implement. In fact, the world's largest online behavioural science destination, Psychology Today, outlines that bad habits are easy and good habits are hard.
This reality extends across all parts of the human experience, from forming habits and rituals that cultivate a healthy lifestyle to those that ensure healthy personal finance and money management.
Fortunately, global experts like game designer Nick Pelling, who was once tasked with developing game-like interfaces for ATMs and vending machines, developed the theory of 'gamification' after realising that game mechanics and concepts could be applied to non-gaming contexts.
'The use of gamification is key to influencing behavioural change in the financial services industry, where good habits can mean the difference between a healthy, secure bank balance and serious financial troubles. As we seek to provide meaningful help in the day-to-day lives of our customers at FNB, we combine integrated advice, technology and gamification to help them manage their money more effectively,' says Jolandé Duvenage, FNB's Chief Imagineer for nav».
Milestone for FNB's nav» platform
Incidentally, FNB recently announced a major milestone for its flagship nav» platform.
Housed within its banking app and with USSD integration, the bank announced that 5 million customers now use its nav» Money tool, empowering millions of users with smart resources for personal finance management like budgeting.
'As we celebrate this milestone, we're also excited to give back to our customers by adding value to their lives beyond banking and rewarding their loyalty,' says Duvenage, adding that the success of nav» is also the success of the bank's customers.
To mark the celebration of this milestone, FNB has designed a nav» Gamification Campaign geared towards encouraging customers to explore the nav» hub, take advantage of its powerful tools, and enter a competition for a chance to win amazing prizes, including:
Mission 1: Win 1 of 10 PlayStation 5 Slimline consoles + 20 x R2000 KFC vouchers
Mission 2: Win 1 of 10 iPhone 16 Pros + 20 x R2000 Nike vouchers
Mission 3: Win the Haval H6 GT + 5 x fuel for a year in eBucks valued at R60 000 each
'The campaign went live on the FNB & RMB Private Bank App on 10 March — and we're already seeing some amazing engagement on social media. And it's more than just a competition, it's a chance to engage customers through exciting missions and tasks while, most importantly, improving their money management skills,' adds Duvenage.
How to boost campaign entries
The campaign, ending on 9 June 2025, has three missions allowing multiple entries per person – meaning better chances to win. Customers can boost their entries by:
Completing app tasks on nav» (1 entry each)
Finding and sharing the special competition badges on social media using the hashtag #FNBnavLife (100 entries each)
Clicking and viewing offers in nav» (100 entries each)
Switching their cheque account and transacting (100 entries each)
To start playing, users can simply log on to the FNB Banking app, go to the nav» tab and follow the prompts.
'The success of FNB's nav» tool reflects the bank's commitment to delivering true help to our customers' lives in an innovative way that can really make a difference. And, as the platform continues to evolve, FNB remains focused on leveraging technology to create solutions that address the evolving challenges that South Africans continue to face – from financial inclusion to sustainability,' concludes Duvenage.
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
The South African
a day ago
- The South African
Pick n Pay the new major 'bank' taking over South Africa
From FNB to Absa, TymeBank to Standard Bank, and now Capitec, Pick n Pay continues to unite South Africa's leading banks under one roof, giving customers unmatched convenience when managing their money while they shop. With the addition of Capitec cash deposits at Pick n Pay tills, now empowers all banked customers to deposit cash, withdraw funds, and transfer money instantly at the checkout, making Pick n Pay the most accessible banking point in retail. Already South Africa's retailer with the most accessible in-store banking footprint, that now spans over 11 financial institutions nationwide, Pick n Pay's growing network ensures that millions of customers can access secure, affordable, and convenient financial services without making a separate trip to the bank. The compatible banks include: African Bank Albaraka Bank Bidvest Bank Capitec Bank Discovery Bank FNB Grindrod Bank Nedbank TymeBank Sasfin Bank Standard Bank Customers can now conveniently take care of their banking at the checkout, with no need for a separate trip or to queue at a bank or automated teller machine (ATM). Deposits are secure and reflect in the customer's account within minutes. The simplicity of the process requires no app, special onboarding process, or bank account, making Pick n Pay's cashpoint banking solution one of the most accessible in the country. 'We are proud to offer the most inclusive retail banking solution in South Africa,' says Deven Moodley, Executive Head of Pick n Pay's value-added services, financial services, and mobile division. 'By integrating an expanded banking offering into the retail experience, we're helping customers save time and reduce transport costs, while providing essential financial services that are safe and convenient.' Pick n Pay's partnerships simultaneously benefits the customer and banks, as the South African banking landscape is undergoing a transformation. Over the past five years, the number of ATMs operated by four South African banks declined by 8 345. Due to of the high maintenance costs, security, and limited reach of ATMs, banks are turning to strategic partnerships with retailers like Pick n Pay to expand their footprint more cost-effectively. This shift translates to numerous customer advantages, such as extended service hours, accessible locations, and the ability to bank during their everyday shopping routines. Over and above an improved customer experience, communities benefit from greater financial inclusion and reduced reliance on informal cash systems. With one of the lowest flat fees for store-to-store money transfers in the country, Pick n Pay has made this affordable banking option available at over 1 400 stores nationwide. However, the convenience does come at a cost. While Pick n Pay does not charge any additional fees when using tillpoints to do banking, the different banks do carry charges. For FNB, while withdrawals at tillpoints carry no charge up to R2 000 per month, this moves up to R2.00 after that point. Deposits carry a flat fee of R19.95. For Capitec customers, deposits are charged at R1.40 per R100 deposited – the same as depositing cash at ATMs. Bank Withdrawals Deposits FNB R2.00 R19.95 Capitec R2.00 R1.40 / R100 Absa Free N/A (CashSend) Nedbank R2.00 R2.00 (Boxer only) Standard Bank Free R19.95 To find out how to bank while you shop, visit Let us know by leaving a comment below, or send a WhatsApp to 060 011 021 1 Subscribe to The South African website's newsletters and follow us on WhatsApp, Facebook, X and Bluesky for the latest news.
The Citizen
a day ago
- The Citizen
Capitec, FNB partner with Home Affairs to deliver Smart IDs
Capitec Bank and First National Bank (FNB) have signed up to the Department of Home Affairs' new digital partnership model that aims to expand access to Smart ID and passport services. The Minister of Home Affairs, Dr Leon Schreiber, announced that the partnership will see the expansion of Smart ID and passport services from the existing 30 to hundreds more bank branches in urban and rural areas across South Africa. It will further expand these services to digital banking applications. 'In fulfilment of the target set by Cabinet in the Medium-Term Development Plan, which tasks Home Affairs with expanding its services to 1 000 bank branches by 2029, the Director-General of the department, Mr Tommy Makhode, on 30 April 2025 wrote to the Chief Executive Officers of ABSA, African Bank, TymeBank, Capitec Bank, Discovery Bank, First National Bank, Investec Bank, Nedbank, and Standard Bank, inviting them to join this transformative, digital-first new phase of the department's existing collaboration with the banking sector,' explained the department. It said the collaboration dates back more than a decade and has, until now, seen the successful delivery of Smart ID and passport services at only 30 branches across five different banks. The original model relied on the costly duplication of Home Affairs staff and hardware inside bank branches and failed to take advantage of technology to dramatically expand services into all rural and urban areas where bank branches already exist, as well as onto secure banking apps that have come to be widely used across society. The department said the new partnerships marked the beginning of the end for long travelling distances to reach Home Affairs services, for long queues, as well as for the Green ID book with its unacceptable vulnerability to fraud and identity theft. It is also the next step in the new digital-first era of public service delivery that the Government of National Unity is building, said the department. The Minister will visit Capitec and FNB this week to provide further information on how this reform will benefit all South Africans. On Tuesday, the Minister will visit Capitec Head Office in Stellenbosch and then on Wednesday he will visit FNB at the Portside Tower, in Cape Town. 'The department further reiterates its call for all other banks to similarly take up the invitation to work together, to ensure that all South Africans have access to Smart ID and passport services in their own communities. 'This reform marks a critical milestone on our journey to unlock the power of digital transformation to deliver Home Affairs @ home.' –
The South African
a day ago
- The South African
SOON you can renew your South African ID at these banks
Previously, if you wanted to renew your South African ID, you had precious few options. Number one was to brave the queues and hope for the best at a Home Affairs branch. Second, you could've tried one of the banks participating in government's 'old pilot project.' However, according to the Minister of Home Affairs, Dr. Leon Schreiber, the latter was plagued with many technical issues. Principally, the 'old model' relied on the costly duplication of Home Affairs staff and hardware inside bank branches, which often failed terribly. As such, the latest push to be able to renew your South African ID in 1 000 banks across the country is all about bringing services to the people. Otherwise known as the 'Home Affairs@home' strategy. And it hopes to dramatically expand services into rural areas where bank branches may already exist. The surefire way to skip the queue when you renew your South African ID. Image: File Therefore, Capitec and FNB are the first banks to sign up to the 'new digital model.' In turn, this will start the process to expand Smart ID and Passport services nationwide, reports Daily Investor . Dr. Schreiber explained that several South African banks, including ABSA, African Bank, Capitec, Discovery Bank, and Standard Bank were invited to join this new digital phase of an existing collaboration. Currently, just 30 bank branches in South Africa offer passport and Smart ID renewals. As mentioned, the goal is to eventually expand this project to 1 000 bank branches. However, this is premised on the rollout of a new digital live capture system model, which will accelerate the process. The minister reiterated the call to all other banks to accept their invitation to work together to provide Smart ID and Passport services. 'It is safe to say that this marks the beginning of the end for Home Affairs queues, and the start of a new digital-first era in public service delivery,' concluded Minister Schreiber. Let us know by leaving a comment below, or send a WhatsApp to 060 011 021 1. Subscribe to The South African website's newsletters and follow us on WhatsApp, Facebook, X and Bluesky for the latest news.
