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; Downloadable computer software for processing electronic payments to and from others that may be downloaded from a global computer network and/or recorded on computer media; Authentication software for authenticating account holder identification in the field of digital and online banking that may be downloaded from a global computer network and/or recorded on computer media; Downloadable computer software used to process mobile payments; Downloadable computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; Downloadable computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; Downloadable computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; Downloadable computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information