42 Software as a service services featuring software for enabling consumers to have access to a virtual banking assistant providing communication through one or more of instant messaging, typing commands, voice commands including audible spoken commands and speech to text recognition, video, internet co-browsing, screen sharing and to carry out mobile or computerized banking and financial management transactions, Software as a service services featuring software using artificial intelligence for enabling consumers to have access to a virtual banking assistant providing communication through one or more of instant messaging, typing commands, voice commands including audible spoken commands and speech to text recognition, video, internet co-browsing, screen sharing and carry out mobile or computerized banking and financial management transactions, Computer services, namely, providing a virtual banking assistant to enable communication through one or more of instant messaging, typing commands, voice commands including audible spoken commands and speech to text recognition, video, internet co-browsing, screen sharing, and artificial intelligence and carry out mobile or computerized banking and financial management transactions