<s>
Qapital	B-Application
is	O
a	O
personal	O
finance	O
mobile	B-Application
application	I-Application
(	O
app	O
)	O
for	O
the	O
iOS	B-Application
and	O
Android	B-Application
operating	I-Application
systems	I-Application
,	O
developed	O
by	O
Qapital	B-Application
,	O
LLC	O
.	O
</s>
<s>
It	O
moves	O
money	O
from	O
a	O
user	O
's	O
checking	O
account	O
to	O
a	O
separate	O
Qapital	B-Application
account	O
,	O
when	O
certain	O
rules	O
are	O
triggered	O
.	O
</s>
<s>
Qapital	B-Application
was	O
released	O
in	O
Sweden	O
in	O
2013	O
,	O
then	O
in	O
the	O
US	O
in	O
early	O
2015	O
.	O
</s>
<s>
The	O
idea	O
for	O
Qapital	B-Application
was	O
conceived	O
by	O
ex-bankers	O
in	O
Sweden	O
.	O
</s>
<s>
The	O
original	O
software	O
was	O
a	O
personal	O
finance	O
dashboard	O
,	O
similar	O
to	O
Mint.com,	O
to	O
show	O
its	O
users	O
how	O
they	O
spent	O
their	O
money	O
.	O
</s>
<s>
Qapital	B-Application
introduced	O
the	O
app	O
into	O
the	O
US	O
market	O
with	O
a	O
different	O
design	O
in	O
2014	O
and	O
started	O
focusing	O
exclusively	O
on	O
the	O
US	O
market	O
.	O
</s>
<s>
The	O
app	O
was	O
initially	O
restricted	O
to	O
the	O
iOS	B-Application
platform	O
,	O
but	O
an	O
Android	B-Application
version	O
was	O
released	O
at	O
the	O
end	O
of	O
2015	O
.	O
</s>
<s>
Shortly	O
after	O
its	O
US	O
launch	O
,	O
Qapital	B-Application
invited	O
psychology	O
professor	O
Dan	O
Ariely	O
to	O
join	O
its	O
team	O
as	O
its	O
"	O
chief	O
behavioral	O
economist	O
"	O
.	O
</s>
<s>
He	O
uses	O
the	O
app	O
's	O
database	O
to	O
conduct	O
research	O
into	O
behavioral	O
economics	O
and	O
Qapital	B-Application
in	O
turn	O
uses	O
Ariely	O
's	O
research	O
in	O
design	O
and	O
programming	O
decisions	O
.	O
</s>
<s>
In	O
2017	O
,	O
Qapital	B-Application
added	O
checking	O
and	O
debit	O
card	O
services	O
to	O
the	O
app	O
.	O
</s>
<s>
Qapital	B-Application
is	O
a	O
free	O
personal	O
finance	O
app	O
for	O
iOS	B-Application
and	O
Android	B-Application
devices	O
,	O
intended	O
to	O
encourage	O
its	O
users	O
to	O
save	O
money	O
.	O
</s>
<s>
Qapital	B-Application
directs	O
each	O
of	O
its	O
users	O
to	O
set	O
savings	O
goals	O
,	O
then	O
automatically	O
transfers	O
money	O
from	O
their	O
checking	O
account	O
to	O
an	O
account	O
for	O
savings	O
,	O
when	O
a	O
rule	O
established	O
in	O
the	O
app	O
is	O
met	O
.	O
</s>
<s>
Users	O
connect	O
their	O
bank	O
accounts	O
to	O
Qapital	B-Application
,	O
so	O
it	O
knows	O
when	O
purchases	O
are	O
made	O
.	O
</s>
<s>
When	O
a	O
rule	O
is	O
met	O
,	O
money	O
for	O
savings	O
are	O
transferred	O
to	O
a	O
Qapital	B-Application
account	O
operated	O
in	O
partnership	O
with	O
Lincoln	O
Savings	O
Bank	O
.	O
</s>
<s>
As	O
of	O
2015	O
,	O
Qapital	B-Application
can	O
connect	O
to	O
more	O
than	O
180	O
other	O
apps	O
,	O
such	O
as	O
Facebook	B-Application
,	O
Twitter	B-Application
,	O
Dropbox	B-Application
and	O
Instagram	B-Application
.	O
</s>
<s>
In	O
an	O
October	O
2015	O
review	O
,	O
PC	O
Magazine	O
gave	O
Qapital	B-Application
four	O
out	O
of	O
five	O
marks	O
and	O
an	O
editor	O
rating	O
of	O
"	O
excellent.	O
"	O
</s>
<s>
The	O
reviewer	O
criticized	O
Qapital	B-Application
's	O
savings	O
account	O
for	O
providing	O
a	O
low-interest	O
rate	O
,	O
but	O
concluded	O
that	O
its	O
numerous	O
features	O
make	O
the	O
app	O
"	O
intriguing	O
"	O
and	O
"	O
it	O
would	O
be	O
difficult	O
to	O
find	O
a	O
standard	O
bank	O
app	O
more	O
fun	O
to	O
use	O
than	O
Qapital.	O
"	O
</s>
