Software as a service (SAAS) services featuring software for enabling consumers to access and manage their bank accounts, manage their debit and credit cards and usage, conduct bank transactions, seek investment advice, complete banking related intents and actions, provide data regarding preferences to customize their experience with the application and receive promotions from their bank regarding their preferences and to provide a concierge service to consumers; Software as a service (SAAS) services featuring software for enabling a personalized banking experience, namely, concierge and banking services to consumers about customized products and services based on consumer preferences and data that consumers share; Software as a service (SAAS) services featuring software for web-based access to applications and services services for managing bank accounts, managing debit and credit cards and usage, conducting bank transactions, and seeking banking and investment advice; Software as a service (SAAS) services featuring software for using artificial intelligence, text recognition and natural language understanding for communicating with online banking customers; Software as a service (SAAS) services featuring software for providing interactive message services for customers; Software as a service (SAAS) services featuring software for facilitating interaction, connections, and conversations between users in the digital engagement, conversational commerce, messaging, artificial intelligence, bots and automation, and customer engagement; Software as a service (SAAS) services featuring software for online social networking; Software as a service (SAAS) services featuring software for concierge services in the nature of providing personalized and customized communications, customer support, and features and offers based on consumer preferences and data collected from the user