To Excite Spending

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In the time of the pandemic, a lot of people saved up their money and this might increase the dragging down of the economy, as businesses' sales will decrease and prices will also decrease below decent sustainable level of profitability. 

So when people spend their money, identifiable by the transfer of VAT or PPN in Indonesia, the central bank and the banking system could acknowledge them. Something like:

"Thank you, your spending has contributed to the recovery of the economy"

Notifications like that should feel good, and maybe another facility like loyalty stamps, after certain amounts and/or frequencies of spending, the bank account would receive a badge. The badge facilitates the holder with the possibility of cheaper credit rates, or cheaper down payments rates. (So maybe don't instantly, universally lower the interest rates. Pick and choose, incentivize). 

Maybe the loyalty stamps could apply for tax rates, or discounts at government owned businesses. And also for certain goods/services provided by the debtors of the bank, etc.

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