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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. Alabama — #2 in Credit Karma searches. Acorns — How non-viral referrals let Acorns lower its CAC by 50x. In aggregate, they command $1.3 trillion in annual spending.

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