This report shows how, in just three years, prize-linked savings (PLS) products in Michigan & Nebraska credit unions have accumulated over $40 million in savings. PLS leverages behavioral principles to invigorate saving, a traditionally difficult and mundane activity, by rewarding consumers with prizes and incentives. Scaling the PLS concept by applying it to new channels and products can help expand financial access. The report also documents how D2D is striving to replicate the fun and engagement consumers have seen with Save to Win through Prepaid Cards Debt Repayment Savings Bonds Single Large Financial Institution and Online Financial Tools