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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

A host of startups have emerged to capitalize on this trend. Acorns’ rock-bottom customer acquisition costs as driven by non-viral referral. In 2009, the app hit a million users and was one of the top 20 apps in the App Store that year. In aggregate, they command $1.3 trillion in annual spending. Your PIN NUMBER?!

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