Abstract: Certain aspects of the present disclosure provide techniques for determining query intent and complexity based on text input. One example method generally includes receiving, from a user device, a text query and preprocessing the text query to generate a query vector. The method further includes providing the query vector to an intent model configured to output a user intent of the text query and providing the query vector to a complexity model configured to output a complexity of the text query. The method further includes receiving the user intent of the text query from the intent model and receiving the complexity of the text query from the complexity model. The method further includes determining, based on the user intent and the complexity of the query, a routing target for the text query and routing the text query to the routing target.

Abstract: A method for performing transactions using an aggregate payment medium involves obtaining payee data associated with a payee, obtaining transaction data associated with a transaction to be performed between a payer and the payee, and determining, for each payment medium, a benefit and a cost associated with using the payment medium for the transaction. The method further includes obtaining, for each of the payment media, a return from using the payment medium for the transaction, based on the benefit and the cost, selecting, from the payment media, a payment medium with a highest return, and providing, by the aggregate payment medium, payment medium data associated with the selected payment medium to the payee to enable execution of the transaction.