Downloadable and/or recorded computer software for managing bank accounts; Downloadable mobile application for managing bank accounts; Downloadable computer software for use in electronically trading, storing, sending, receiving, accepting and transmitting digital currency, and managing digital currency payment and exchange transactions; Downloadable and/or recorded computer software for personal and small business financial management; downloadable and/or recorded computer software for online banking, transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, accounting, and taxable item tracking and management; downloadable and/or recorded computer software for data aggregation; downloadable and/or recorded computer software for providing banking, financial and bill payment alerts; downloadable and/or recorded computer software for providing wireless access to data and databases; downloadable and/or recorded computer software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, and mobile telecommunication network; downloadable and/or recorded computer software for use in processing electronic payments and transferring funds to and from others; downloadable and/or recorded computer software for use in transferring funds between financial accounts; downloadable and/or recorded computer software for bill presentment and payment