Wallet.AI can monitor and learn users’ habits and needs, and then alert and coach users to alter their personal spending and saving behavior. AI can also provide oversight and tracking of employee actions to help with compliance, security, and monitoring. Wallet.ai analyzes millions of data points — bank transactions, payment transactions, location, app usage and more — to help consumers make better financial decisions and basically, overcome their bad habits. Wallet.ai can also be used to provide general business intelligence to businesses, to tell them how well they are doing with customers and even to analyze loan performance. Banks have asked the company to use its technology to find more mutually beneficial loan products for customers.