Providing online non-downloadable virtual assistant software using artificial intelligence (AI) for helping users make informed decisions across daily activities via text-based messaging (SMS, iMessage, RCS) and other conversational interfaces; Providing temporary use of online non-downloadable chatbot software using artificial intelligence (AI) for delivering personalized recommendations, insights, and guidance based on user context, preferences, and goals; Providing temporary use of online non-downloadable chatbot software using artificial intelligence (AI) for analyzing user data and activity to generate tailored advice and decision support; Providing temporary use of online non-downloadable chatbot software using artificial intelligence (AI) for analyzing user transactions and behavior to provide personalized insights, recommendations, and reminders; Providing temporary use of online non-downloadable chatbot software using artificial intelligence (AI) for connecting to financial accounts and aggregating, analyzing, and displaying transaction data; Providing temporary use of online non-downloadable chatbot software using artificial intelligence (AI) for providing personalized recommendations and guidance to assist users in making purchasing and lifestyle decisions; Providing temporary use of online non-downloadable chatbot software using artificial intelligence (AI) for enabling users to ask questions and receive real-time, personalized recommendations and decision support; Providing temporary use of online non-downloadable chatbot software using artificial intelligence (AI) for providing the user with companionship and friendship; Providing temporary use of online non-downloadable chatbot software using artificial intelligence (AI) for decision-making support; Providing temporary use of online non-downloadable chatbot software using artificial intelligence (AI) for therapy services; Providing online non-downloadable virtual assistant software using artificial intelligence (AI) for initiating and executing actions on behalf of users, namely, purchasing, booking travel, managing schedules, and handling digital communications