Digital financial management having chat support platform with chat routing based on geographic location

A computer program product comprising at least one non-transitory computer readable medium having with a set of instructions of computer-executable program code, which when executed by one or more processors of a computing device, cause the computing device to:

• cause, during execution of a mobile application or desktop application associated with a financial institution by a client device of a user over a communication network, a visual display of a chat interface on the client device to facilitate a virtual chat communication session between the user and a virtual support agent of the financial institution;
• detect, contemporaneously with the virtual chat communication session, a current geographic location of the client device;
• and
• route, based on the detection, the virtual chat communication session to a branch team member of the financial institution that is at a branch office located within a predetermined threshold distance from the detected current geographic location of the client device.

A computer-implemented method, comprising:

• causing, by one or more financial institution servers associated with a financial institution during execution of a mobile application or desktop application associated with the financial institution by a client device of a user over a communication network, a visual display of a chat interface on the client device to facilitate a virtual chat communication session between the user and a virtual support agent of the financial institution;
• detecting, by the one or more financial institution servers contemporaneously with the virtual chat communication session, a current geographic location of the client device;
• and
• routing, by the one or more financial institution servers based on the detection, the virtual chat communication session to a branch team member of the financial institution that is at a branch office located within a predetermined threshold distance from the detected current geographic location of the client device.