Penny currently only lives in its own iOS- and Android-based mobile app. However, Mitchell Lee, co-founder of Penny, noted that they would definitely consider putting their bot on a platform like Facebook Messenger, but not yet — mainly because the startup can’t yet see a clear value proposition of offering Penny on other platforms. This is because the young platforms aren’t yet developed enough to fully support Penny’s key features (secure password entry, pre-populated responses, etc). The startup will use the funding to hire one or two people to deepen their expertise in machine learning, a critical (but often forgotten) part of developing a bot. It will also let them continue to experiment with figuring out how Penny will provide value to users, as the app currently doesn’t have any monetization components

http://techcrunch.com/2016/05/23/penny-raises-1-2m-in-seed-funding-for-its-personal-finance-bot/