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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

Allowing users to “cut” by referring other users was an innovative idea, and it worked. The psychological power of the referral priority program is that people’s desire to move up (and thereby share) has no inherent limit. Much of Mint’s early success can be tied to a very simple product innovation. Acorns, at $4.50

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