Federated learning financial intellect service

A method, comprising:

• identifying, by a client device, a purchase for a user profile associated with the client device;
• transmitting, by the client device, transaction data associated with the purchase to a remote computing device for generating snapshot data;
• synchronizing, by the client device, the snapshot data assigned to the user profile with the remote computing device based at least in part on a time interval, where the snapshot data comprises a plurality of insight actions applicable to a plurality of financial accounts of the user profile;
• identifying, by the client device, a request to activate a virtual avatar interface;
• determining, by the client device, a current user state based at least part on a current status of the plurality of financial accounts associated with the user profile;
• determining, by the client device, an insight action from the plurality of insight actions to display based at least in part on the current user state and the snapshot data;
• and
• displaying, by the client device, the virtual avatar interface to include the insight action.

A system, comprising:

• an edge computing device comprising a processor and a memory;
• machine-readable instructions stored in the memory that, when executed by the processor, cause the edge computing device to at least:
• receive transaction data from a client device;
• generate a federated machine learning model based at least in part on the transaction data;
• transmit the federated machine learning model to a remote computing device;
• receive an aggregated machine learning model from the remote computing device, wherein the aggregated machine learning model representing a combination of the federated machine learning model and a previous aggregated machine learning model.
• generate snapshot data for the client device based at least in part on the aggregated machine learning model and a user context associated with the client device, the snapshot data comprising a plurality of insight actions applicable to a financial account associated with the client device;
• and
• synchronize the snapshot data with the client device based at least in part on a time interval, the snapshot data being configured for use by a virtual avatar interface to present one of the plurality of insight actions.