Charlie is an AI-driven financial assistant designed to help individuals manage their finances more effectively. Operating in the personal finance market, Charlie serves clients who are looking to save money, reduce their bills, and avoid extra charges such as overdraft or late fees. The business model is based on providing a free service to users, leveraging advanced technology and security measures to ensure user data is safe and private. Charlie generates revenue through partnerships and potential premium features. The core value proposition is to help users save an average of $80 per week and pay down credit card debt, with a focus on user-friendly interaction via text messages. The service is built by a team of engineers and scientists, ensuring high reliability and effectiveness.

Keywords: AI-driven, financial assistant, personal finance, money-saving, bill reduction, overdraft prevention, late fee avoidance, secure, user-friendly, text-based.