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There is no universal model for CSAs. The design of CSAs can vary widely: from simple, low-cost savings products offered by financial institutions to universal, lifelong sav- ings platforms with significant financial incentives offered by governments. Variations in CSA design depend largely on the type of institution offering them, and the institu- tion’s purposes for doing so. Banks may offer CSAs in pur- suit of new market opportunities, non-profits may want to test them as part of a new anti-poverty intervention, while governments may want to create a vehicle for economic and social inclusion. The following figures convey the varying design elements of.

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