Providing temporary use of on-line non-downloadable software and applications using artificial intelligence and machine learning in the field of offering consumers financial advice in the nature of answering customer questions without human intervention, facilitating communication with human advisors when necessary, providing financial, investment, and account information, providing connection to financial and investment resources and accounts; Technical consulting in the field of artificial intelligence (AI) software customization in the field of financial advice; Software as a service (SAAS) services featuring software using artificial intelligence and machine learning to capture, analyze, dissect, and quickly respond to consumer inquiries automatically, without human intervention, in the field of financial advice