Charlie Finance doesn’t require an app download, they instead use texts and messenger to interact with clients to help them save money; the startup was designed by gamers who spent time interviewing customers about income, demographics and financial sophistication; what they found was personal finance was really about money, as CEO Ilian Georgiev explained to TearSheet, ““When you talk to people, they talk in terms of verbs, like how do I afford to buy shoes or send my kids to school. They don’t ask how to prevent overdraft, and they don’t need more charts.”; the service is designed to help people better understand their financial lives but in a passive role, let Charlie do the work for them. Source.