Computer application software for mobile phones and other handheld devices, namely, downloadable 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, receive information and promotions from their bank relating to their preferences and to provide a concierge service to consumers; Downloadable computer software for creating 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; Downloadable computer software using artificial intelligence, text recognition and natural language understanding for communicating with online banking customers; Downloadable mobile applications to facilitate interaction with customers in the digital engagement, conversational commerce, messaging, artificial intelligence, bots and automation, and customer engagement fields