Last April, Julien Arnold quietly left his role as CEO of Numbrs, the mobile-first banking app he co-founded with Swiss company builder Centralway. Now, almost a year on, he’s on the verge of launching his next project: Clinc , a mobile app to make it easier to save money for a future purchase or financial rainy day. Using what Arnold describes as a “dynamic intelligence algorithm,” Clinc promises to track your current account spending and analyse the results to find the optimum amount to save each month, which is then automatically deposited into your Clinc savings account underpinned by the startup’s partner bank. The secret sauce, which he won’t go much into detail on, is that the app is dynamic, able to make on-the-fly adjustments to how much you transfer to your savings account based on how your spending has changed or are predicted to change. In other words, Clinc’s central proposition is to help you achieve your financial goals faster. “This is the bigges...
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