Unlike other financial applications, user interaction with Penny is built on the messaging. When a smartphone owner opens the service for the first time, Penny immediately started with him to “talk” — sends messages about what he should do. The binding of an account, recording expenses, receipt of information — all through chat. Penny is not able to recognize any issues in natural language is the app limited operates a pre-selected set of requests. The creators of the project say that for some users its even easier than coming up with their own requests — as many of them often dont know what to turn to financial planner.
In the future the developers plan to add processing natural queries. Through the chat app not only receives and handles questions from the owner of the smartphone, but also gives him recommendations on how he can better spend.