9 Software; training software; software for computers, tablet computers and smartphones; software for managing personal affairs, software for managing financial affairs and commercial business management software; software related to financial histories as well as handling financial transactions, monetary affairs, insurance and investments; downloadable software applications; magnetic data carriers, data processing equipment and computers; application software; computer software for creating, authoring, distributing, downloading, transmitting, receiving, playing, editing, extracting, encoding, decoding, displaying, storing and organizing text, graphics, images, audio, video, and multimedia content, and electronic publications; computer software for database management; database synchronization software; character recognition software; voice recognition software; computer programs for the conversion of speech to text and computer programs for the conversion of text to speech; voice-enabled software applications; computer programs for accessing, browsing and searching online databases; artificial intelligence software for analysis and software with artificial intelligence for virtual assistance; software for automated processing of personal and business information; all aforesaid assets are used for a digital assistant to assist users with financial matters, including banking and insurance, personal and commercial matters, through user notifications, whether or not based on artificial intelligence