Penny was a personal finance app designed to help users track their income and spending through an intuitive chat interface. The app provided users with important and engaging information about their finances, making it easier to manage money and make informed financial decisions. Penny primarily served individual consumers looking to improve their financial health and literacy. The app operated in the personal finance market, which includes various tools and services aimed at helping people manage their money more effectively. Penny's business model was likely based on user engagement and data insights, which could be monetized through partnerships or premium features. In 2018, Penny was acquired by Credit Karma, a company that offers free access to credit scores and other financial tools to over 80 million people. Although the Penny app is no longer available, its core mission of providing friendly and helpful financial advice continues under the Credit Karma brand.

Keywords: personal finance, income tracking, spending tracking, financial advice, chat interface, Credit Karma, acquisition, financial health, consumer app, money management.