Platform as a service services (PaaS) and software as a service (SaaS) services for the purpose of providing financial services; platform as a service services (PaaS) and software as a service (SaaS) services for the purpose of providing personal finance services; platform as a service services (PaaS) and software as a service (SaaS) services for the purpose of providing personal finance management services; platform as a service services (PaaS) and software as a service (SaaS) services for the purpose of tracking income, expenses, assets, liabilities and net worth, connecting to financial institution accounts via automated bank feeds and application programming interfaces (APIs), aggregation, categorization, analysis and visualisation of financial data, multi-currency support, financial reporting, budgeting, goal setting and cash-flow forecasting, scenario modelling and long-term financial planning, shared household financial management and multi-user collaboration; providing temporary use of non-downloadable software incorporating artificial intelligence for financial analysis and insights generation; advisory, consultancy and information services in relation to the aforesaid services; the provision of the aforesaid services online via a website, the internet or other computer networks and/or accessible by mobile phone and other internet-enabled devices; provision of all the aforesaid, including via digital, electronic and/or media networks and channel.