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We analyzed 7 of the fastest-growing personal finance apps of all time to figure out the secrets to their success — here’s what we learned

CB Insights

It was 2007, and people were much less willing to hand sensitive banking information to a new internet startup than they are now. Instead, PFM tools operate according to something more like what you might call “quality of life effects.” Acorns built its CAC-lowering referral program in two parts. ” — BJ Fogg.

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