Downloadable computer software for use in personal financial management; downloadable computer software for use in online banking, transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, credit score management, and accounting; downloadable computer software for creating reports and graphs; downloadable computer software for use in data aggregation; downloadable computer software for providing banking, credit score, financial and bill payment alerts; downloadable computer software for providing wireless access to data and databases; downloadable computer software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, and mobile telecommunication networks