The CEO of an Alphabet-backed fintech pitching itself as your 'smart friend' to text for financial advice explains its pay-what-you-like fee structure

· Albert, a personal-finance app that allows users to text questions to a team of human financial experts, is trying to stand out in a competitive, crowded field of consumer finance-focused startups. 
· Albert's business model is subscription-based, a rarity among upstart personal finance apps, and offers an unusual fee...