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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

An explosion of new consumer finance brands is transforming how people save, spend, and manage their money. The more people you refer, the faster you move up. Allowing users to “cut” by referring other users was an innovative idea, and it worked. In aggregate, they command $1.3 trillion in annual spending.

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