Abstract: Disclosed are techniques for generating a personalized flow for a software delivery model. These techniques identify user information expressed in natural language for a specific user. One or more user clusters may be determined for the specific user based on at least one user vector representation of a form of the user information. One or more personalized information clusters may be identified for a user cluster of the one or more user clusters based at least in part on the at least one user vector representation. A personalized software application flow may be generated and presented to the specific user by using at least the one or more personalized information clusters for the specific user.

Abstract: Disclosed are techniques for generating a personalized flow for a software delivery model. These techniques identify a plurality of business clusters and a plurality of expense categories for the plurality of business clusters and natural language description about a first characteristic of a specific user from an electronic tax return in an electronic tax return preparation and filing software application delivery model. One or more business clusters may be determined from the plurality of business clusters for the specific user based in part or in whole upon a user description vector of at least a part of the description. One or more expense categories may be identified for the electronic tax return of the specific user based in part or in whole upon the one or more business clusters.