Customized predictive financial advisory for a customer

A system comprising:

• an input engine that monitors at least one user interface device of a customer;
• an analysis engine that:
• (i) analyzes an execution decision by the customer made on the at least one user interface device for a financial transaction,
• (ii) identifies a cautionary rule that is violated by the execution decision, and
• (iii) identifies that the execution decision by the customer is made at an inappropriate time, the identification comprising:
• identifying an event that has occurred for the customer within a time interval, wherein the event is a life event associated with inducing an abnormal state of mind of the customer;
• and
• associating the event and the time interval with the cautionary rule;
• a virtualization engine that presents on at least one user interface device to the customer a suggestion in a personally persuasive persona,
• wherein:
• the input engine:
• (i) monitors the at least one user interface device of the customer during communication with one or more persons and (ii) detects a response to a selected person of the one or more persons;
• the analysis engine:
• determines that the response is a positive physiological response to the selected person of the one or more persons that indicates a persuasive relationship with the customer by:
• (i) associating a good decision occurring after a corresponding suggestion by the selected person to the customer;
• and (ii) detecting the positive physiological response by:
• determining that the selected person is communicating with the customer,
• detecting the positive physiological response by the customer to the communication, wherein the positive physiological response is not a conscious physical act performed by the customer, and
• determining that the positive physiological response correlates to the persuasive relationship,
• wherein:
• the analysis engine:
• (i) determines the positive physiological response by the customer to a second person, (ii) characterizes the selected person as having the persuasive relationship with the customer in a first type of financial transaction, (iii) characterizes the second person as having a second persuasive relationship with the customer in a second type of financial transaction, and (iv) determines that the financial transaction is the first type;
• and the virtualization engine:
• captures, using an audio and video capture, a persona of the selected person for communicating with the customer via the at least one user interface device, and
• presents on the at least one user interface device to the customer a suggestion in a
• personally persuasive persona, wherein presenting the suggestion in the personally persuasive persona comprises:
• rendering an image of the persona of the selected person into a three-dimensional holographic image such that the three-dimensional holographic image mimics body language, gestures, and appearance of the selected person on the at least one user interface device;
• modulating voice qualities of text-to-voice playback to mimic speech by the selected person on the at least one user interface device;
• and
• presents the suggestion in the personally persuasive persona of the selected person in response to the analysis engine determining that the financial transaction is the first type of financial transaction.

A non-transitory computer-readable storage medium comprising computer-executable instructions, which when executed via a processing unit on a computer performs acts, comprising:

• analyzing an execution decision by a customer for a financial transaction;
• identifying a cautionary rule that is violated by the execution decision, the identifying comprising:
• identifying an event that has occurred for the customer within a time interval, wherein the event is a life event associated with inducing an abnormal state of mind of the customer, and
• associating the event and the time interval with the cautionary rule;
• monitoring the customer during communication with one or more persons;
• detecting a positive response to a selected person of the one or more persons that indicates a persuasive relationship with the customer, wherein detecting the positive response to a selected person of the one or more persons that indicates the persuasive relationship with the customer comprises:
• determining that the selected person is communicating with the customer,
• detecting a positive physiological response by the customer to the communication, wherein the positive physiological response is not a conscious physical act performed by the customer,
• determining that the positive physiological response correlates to a first persuasive relationship,
• characterizing the selected person as having a persuasive relationship with the customer in a first type of financial transaction,
• detecting a second positive physiological response by the customer to a second person, and
• characterizing the second person as having a second persuasive relationship with the customer in a second type of financial transaction;
• capturing, using an audio and video capture, a persona of the selected person for communicating with the customer via the user interface device;
• and
• presenting on the user interface device to the customer a suggestion in a personally persuasive persona, wherein presenting the suggestion in the personally persuasive persona comprises:
• rendering an image of the persona of the selected person into a three-dimensional holographic image such that the three-dimensional holographic image mimics body language, gestures, and appearance of the selected person,
• modulating voice qualities of text-to-voice playback to mimic speech by the selected person, and
• presenting the suggestion in the personally persuasive persona of the selected person in response to determining that the financial transaction is the first type of financial transaction.