Downloadable software enabling users to view personal financial information and evaluations; Downloadable software for personal financial management; Downloadable software for online banking, financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Downloadable software for providing banking, financial and bill payment alerts; Downloadable software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Downloadable software for use in processing electronic payments and transferring funds to and from the banking accounts of others; Downloadable software for use in transferring funds between financial accounts