After downloading the app and linking up checking and credit card accounts, the app provides suggestions for subscriptions they can cancel, bills they can potentially negotiate lower and refinancing options that might be available to them. The key value prop comes from reducing the friction associated with taking action on one’s finances. That means not only educating users about what’s happening with their money, but also enabling users to unsubscribe from services or take advantage of affiliate offers with a single click. The company makes money from refinancing or low-interest credit card offers that people choose, but maintaining user trust means ensuring any decisions they make are in the consumer’s best interests. “We want to make sure people trust Clarity Money to present an option that is better for them,” Dell told TechCrunch.

https://techcrunch.com/2017/03/23/clarity-money-11-million/