KARAT STICK

Software as a service (SAAS) services featuring software using artificial intelligence (AI) for personal financial management, namely aggregating financial account data, budgeting, debt tracking, investment performance reporting, generating financial wellness scores based on income growth, savings rates, debt management, and return on capital, and providing AI-driven recommendations to improve financial behaviors; Providing online non-downloadable software for financial data consolidation, cash flow analysis, balance sheet visualization, cohort-based scoring and peer comparison,; Software as a service (SAAS) services featuring software using artificial intelligence (AI) for (continued) and generating personalized financial improvement action plans; Platform as a service (PAAS) featuring computer software platforms for personal finance aggregation and advisory tools.