New York City's Spring Bank is putting new innovations in behavioral economics into practice to help low-income customers improve their finances. Recent scholarship in the field focuses on how incentives can be structured to "nudge" people toward good decisions. Spring Bank's Borrow-and-Save loan puts that concept into practice. It encourages savings by requiring borrowers to put 25% of the loan amount into a savings account that can only be accessed at the end of the loan term. A customer who borrows $500 would receive $375. The other $125 would be set aside as savings. "If we come out with a sustainable, responsible product, we're going to cut the legs out from under some other products," says Brian Blake, Spring Bank vice president.