Computer and mobile application software for small business optimization and financial management; computer and mobile application software for online banking, transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, accounting, and taxable item tracking and management; computer and mobile application software for creating reports and graphs; computer and mobile application software for forecasting and analysis of data; computer and mobile application software for data aggregation; computer and mobile application software for providing banking, financial and bill payment alerts; computer and mobile application software for providing wireless access to data and databases; computer and mobile application software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, and mobile telecommunication networks; Computer and mobile application software for use in processing electronic payments and transferring funds to and from others ; computer and mobile application software for use in transferring funds between financial accounts; computer and mobile application software for bill presentment and payment; computer software for identifying ways to optimize a small business