There may be an opportunity to target ‘lapsed’ savers, loosely defined as people who have had the savings habit and can be re-engaged in the process of saving.
Mae'n bosibl y bydd cyfle i dargedu cynilwyr 'wedi llithro'n ôl', a ddiffinnir yn fras fel pobl sydd wedi cael yr arferiad cynilo ac y gellir eu hailgysylltu â'r broses o gynilo.