Financial Concierge Service

An electronic computing device comprising:

• a processing unit;
• and
• system memory, the system memory including instructions which, when executed by the processing unit, cause the electronic computing device to:
• obtain location information regarding a location of the individual, including:
• use a global positioning satellite sensor to determine the location of the individual;
• correlate the location information to a particular activity associated with the location;
• monitor a behavior of the individual comprising to:
• obtain activity information regarding a current activity of the individual, including to determine an activity context for the individual based upon the local information from the global positioning satellite sensor and the particular activity associated with the location;
• and
• obtain emotional state information regarding an emotional state of the individual, the emotional state being determined using input from at least one physiological sensor associated with the individual, including monitoring speech from the individual by receiving speech data from a speech sensor, the speech data indicating a speed and a volume of the speech;
• and;
• determine a stress level for the individual based upon the activity context for the individual and the speech from the individual;
• obtain financial health information regarding financial transactions for the individual;
• obtain financial transaction history information regarding past financial transactions for the individual;
• based on the activity information, the emotional state information, the location information, the financial health information, and the financial transaction history information, determine, in relation to the current activity, whether the individual is likely to make a financial decision that will result in negative financial consequences for the individual, wherein:
• the activity context of the individual and the emotional state of the individual have a higher weight in determining the trigger point than any of the location information, the financial health information, and the financial transaction history when the emotional state of the individual is determined to be below a threshold emotional state level;
• and
• the financial health information and the financial transaction history information have a higher weight in determining the trigger point than any of the activity information, the emotional state information, and the location information when the financial health of the individual is determined to be below a threshold financial health level;
• and
• when a determination is made that the individual is likely to make the financial decision that will result in the negative financial consequences for the individual, activate a financial concierge service for the individual on a second electronic computing device, including to:
• determine whether the trigger point exceeds a threshold for a human intervention;
• when the trigger point exceeds the threshold for the human intervention, automatically provide an interaction with a human on the second electronic computing device;
• and
• when the trigger point does not exceed the threshold for the human intervention, automatically initiate a virtual assistant on the second electronic computing device.