Building Gamified Savings Platforms

Design a concept for a gamified savings application that encourages users to develop better saving habits. Include the following elements:

1. **Game Mechanics**: Describe how the application uses game techniques such as points, levels, challenges, or rewards to motivate users to save.
   
2. **User Engagement**: Explain strategies to keep users consistently motivated and engaged with the platform over time.
   
3. **Financial Education**: Outline how the application integrates financial education to help users understand and improve their saving habits.
   
4. **Customization and Personalization**: Suggest ways the application can be customized to suit individual users' saving goals and preferences.
   
5. **Community Features**: Describe any social or community features that encourage sharing, competition, or cooperation among users.

Format your response as a detailed proposal, and feel free to include examples, illustrations, or mock-ups.