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Downloadable software enabling users to view personal financial information and evaluations; downloadable software providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward, and incentive programs; 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 forecasting and analysis of financial data; downloadable software for financial data aggregation; 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; downloadable software for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; downloadable software for personal financial management that guides users via artificial intelligence in the form of virtual coaches; downloadable software providing personalized strategies to achieve financial independence

Financial information and evaluations; financial services, namely, money lending; savings account services, namely, provision of savings accounts; personal financial management services; online banking; financial advice, namely, budget planning in the nature of income and expense transaction tracking; financial planning; financial management; financial analysis; financial management services, namely, tracking of expenses; financial data analysis, namely, forecasting and analysis of financial data; financial data analysis, namely, electronically collecting financial data from multiple accounts to aggregate the financial data into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, mortgages, investments, and financial accounts; providing information, news, opinions, and advice in the fields of banking, financial management, saving, and financial planning and retirement financial planning via computer and communication networks, the internet, and social media; providing financial information, news, opinion, and advice in the fields of personal budgeting and household budgeting via computer and communication networks, the internet, and social media; providing financial information, news, opinions, and advice in the field of consumer spending via computer and communication networks, the internet, and social media; processing electronic payments of ACH, debit card, and electronic check and electronic transferring funds to and from the banking accounts of others; electronic transfer of funds between financial accounts; personal financial management services, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; personal financial management that guides users via artificial intelligence in the form of virtual coaches; financial planning, namely, the creation of personalized strategies to achieve financial independence; financial counseling services, namely, helping others build a better working relationship with their money

Conducting online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs