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Two ideas about mobile money

At work, my colleagues and I have recently been trying to figure out how to use mobile money transfers for the purpose of sending productive messages to citizens. Two ideas came to mind when thinking of MMTs:

1. Provide customers with a statement of account when they demand it. The statement, similar to a bank statement, would clearly show all transactions, including money out and money in.

2. Provide customers with the ability to create a savings account, where money left in a certain "box" would recieve interest if left alone over a given period of time.

Through both these services - providing statements and allowing for savings - many more innovative message techniques could be devised.

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