Software as a service (SAAS) services featuring software using artificial intelligence (AI) for use as an Intelligent Virtual Assistant (IVA) that offers, through a combination of natural language processing (NLP), natural language understanding (NLU), machine learning, and generative and conversational AI, the abilities to 1) recognize human speech, understand the intent behind it, and respond in a way that mimics human conversation; 2) access and process via the Internet third-party sources of information; 3) perform the traditional functions of a live person personal assistant such as answering emails and phone calls, scheduling meetings and booking travel arrangements; and/or 4) execute more advanced tasks, such as processing complex queries, managing smart home devices, and controlling machinery.