Systems and methods for debt management with spending recommendation

A computer system for providing an adaptive goal management recommendation, the computer system comprising:

• a memory having processor-readable instructions stored therein;
• and
• at least one processor configured to access the memory and execute the processor-readable instructions, which when executed by the at least one processor configure the at least one processor to perform a plurality of functions, including functions for:
• generating a user interface of a user device associated with a user, the user interface including a navigation bar, a chat bot feature, and a text bar;
• receiving account information regarding the user;
• receiving, via the chat bot feature of the user interface, a query from the user;
• in response to the query, presenting, via the chat bot feature of the user interface of the user device, a portion of the account information including categorized account information of the user;
• receiving, via the chat bot feature of the user interface of the user device, information regarding at least one goal preference of the user and at least one interests preference of the user;
• determining, using a trained machine learning model, one or more activities available to the user based on the at least one goal preference and the at least one interests preference of the user received via the chat bot feature of the user interface of the user device, the trained machine learning model having been trained based on (i) training user data that includes information regarding goal preferences and interests preference data associated with persons other than the user;
• and (ii) training activities data that includes prior available activities data associated with persons other than the user, to learn relationships between the training user data and the training activities data, such that the trained machine learning model is configured to output one or more activities available to the user upon input of the at least one goal preference and the at least one interests preference of the user received via the chat bot feature of the user interface of the user device;
• determining, for each of the one or more activities available to the user, an estimated influence on the at least one goal preference;
• filtering the one or more activities available to the user with a positive estimated influence on the at least one goal preference;
• and
• presenting, via the chat bot feature of the user interface of the user device, a recommendation of action.

A computer-implemented method for providing an adaptive goal management recommendation, the method comprising:

• generating, by one or more processors, a user interface of a user device associated with a user, the user interface including a navigation bar, a chat bot feature, and a text bar;
• receiving, by the one or more processors, account information regarding the user;
• receiving, by the one or more processors, and via the chat bot feature of the user interface, a query from the user;
• in response to the query, presenting, by the one or more processors, and via the chat bot feature of the user interface of the user device, a portion of the account information including categorized account information of the user;
• receiving, by the one or more processors, and via the chat bot feature of the user interface of the user device, information regarding at least one goal preference of the user and at least one interests preference of the user;
• determining, by the one or more processors, using a trained machine learning model, one or more activities available to the user based on the at least one goal preference and the at least one interests preference of the user received via the chat bot feature of the user interface of the user device, the trained machine learning model having been trained based on (i) training user data that includes information regarding goal preferences and interests preference data associated with persons other than the user;
• and (ii) training activities data that includes prior available activities data associated with persons other than the user, to learn relationships between the training user data and the training activities data, such that the trained machine learning model is configured to output one or more activities available to the user upon input of the at least one goal preference and the at least one interests preference of the user received via the chat bot feature of the user interface of the user device;
• determining, by the one or more processors, for each of the one or more activities available to the user, an estimated influence on the at least one goal preference;
• filtering, by the one or more processors, the one or more activities available to the user with a positive estimated influence on the at least one goal preference;
• determining, by the one or more processors, a satisfaction value based on a monetary cost of the filtered one or more activities available to the user;
• and
• presenting, by the one or more processors, and via the chat bot feature of the user interface, a recommendation of action based on ranking the satisfaction values for the filtered one or more activities available to the user.