This is where the app lives up to its "astute" name. By analyzing your spending data, the app identifies if you are overpaying for recurring services (internet, cable, insurance). It then uses a proprietary chatbot to negotiate with the provider on your behalf or finds a cheaper alternative. Users report saving an average of $23/month on internet bills alone.

: It offers services to help users understand and improve their credit scores, which affects funding terms and lender perceptions.

The search for a paper specifically titled "Astute App" points to a few distinct academic and industry-related results. Depending on your interest, you might be looking for one of the following: 1.