Downloadable mobile applications to allow customers to access online bank information and transact bank and bank-related business, namely, namely, manage their bank accounts, manage their debit and credit cards and usage, conduct bank transactions, seek banking and investment advice; Downloadable computer application software for mobile phones and other handheld devices, namely, 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

Electronic banking via a global computer network; On-line banking services; Online banking services accessible by means of downloadable mobile applications

Electronic messaging services; Instant messaging services; Interactive online communication services, namely, providing on-line facilities for real-time interaction with consumers for on-line customer service and concierge service via bots, artificial intelligence, automations and live support

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; 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 service 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

Online personal concierge services for others comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs