Automate personal finance management such as sending loan payments automatically

Automate personal finance management (e.g. loan repayments by personal agents). This might be a consumer-downloadable app that syncs with their banking products to support achievement of personal financial goals. This might include automating savings for consumer by forecasting wallet availability based on customer spending habits and preferences. A typical use case deployment is a "rounding up" function on a digital payment - so a $3.63 payment triggers a round up to $4.00, automatically depositing 37 cents in a specified savings account.