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I have another candidate: Licensing the hard software part from another mature company.

Mint is really just a Web 2.0 face on Yodlee (which provides all the bank interfacing parts). And there's nothing wrong with that, but it got them to maturity a lot faster than starting from scratch would have.

http://techcrunch.com/2009/09/18/mint-is-yodlees-youtube/




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