HAL is a tool to empower individuals to manage personal finances; for example, lowering their living costs, creating a rainy day fund, and increasing their family’s net worth.

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• HAL enables anyone, including the financially inexperienced, to be in control of their finances.

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• Managing one’s finances, such as, paying bills, budgeting, lowering expenses, saving more, and investing, will allow those on the lower rungs of the income ladder – the working poor + the middle class + retirees + cognitively disabled adults – to profoundly improve their living standards.

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HAL is a disruptive financial app.  This once-in-a-generation AI application digitizes personal finances to help people lead more financially secure lives.

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• These four technological components differentiate HAL from all financial applications:  Voice Recognition, Natural Language Processing, Hierarchical Algorithm Logic, and AI Deep Learning.

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• HAL customizes itself for each user along with learning their behavior.

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• Information exchange between HAL and the user is by text and voice.

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• HAL’s transactional capabilities allow users to buy POS items, make online purchases, transfer funds, and perform other financial transactions.

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• Users can provide third parties, such as caregivers for retirees and cognitively disabled adults, limited or complete access to their HAL account.

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• HAL can be used on smartphones and desktops.

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• HAL makes personal financial apps – including Quicken and Mint – obsolete.

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• HAL represents a paradigm shift in managing finances.

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Below is a link to the HAL video, which is a prototype of the app.  The video can be viewed on smartphones and desktops.

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To watch the HAL video, go to WaverlyVentures.com.  The website’s About and Documents pages provide additional information regarding HAL.  The password for both the HAL Video and Documents pages is 2010.

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The video demonstrates the interaction between HAL and Dave, who is a financially sophisticated consumer.  This is not to imply that HAL is meant to be used only by those who are financially literate.  HAL will be invaluable to financially inexperienced users.

 

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