Abstract: The disclosure provides systems and methods for analysis of financial data and customization of financial products. Time-dependent data is obtained for a relatively large set of users, and from the data are determined a relatively small set of trajectories that model user behaviour. New users are characterized according to the trajectories and financial products are automatically personalised to suit the new user.

Abstract: The disclosure provides systems and methods for analysis of financial data and customization of financial products. Time-dependent data is obtained for a relatively large set of users, and from the data are determined a relatively small set of trajectories that model user behaviour. New users are characterized according to the trajectories and financial products are automatically personalised to suit the new user.

Abstract: The disclosure provides systems and methods for analysis of financial data and customization of financial products. Time-dependent data is obtained for a relatively large set of users, and from the data are determined a relatively small set of trajectories that model user behaviour. New users are characterized according to the trajectories and financial products are automatically personalised to suit the new user.

Abstract: The disclosure provides systems and methods for analysis of financial data and customization of financial products. Time-dependent data is obtained for a relatively large set of users, and from the data are determined a relatively small set of trajectories that model user behaviour. New users are characterized according to the trajectories and financial products are automatically personalised to suit the new user.

Abstract: The disclosure provides systems and methods for rapid prototyping of GUIs based on data files. The GUIs are suitable for use by customers of a service provider such as a financial service provider, and may be designed for any platform such as common mobile platforms. The systems and methods provide a convenient method for testing new GUIs for rollout and modification of products by the provider.

Abstract: The disclosure provides systems and methods for rapid prototyping of GUIs based on data files. The GUIs are suitable for use by customers of a service provider such as a financial service provider, and may be designed for any platform such as common mobile platforms. The systems and methods provide a convenient method for testing new GUIs for rollout and modification of products by the provider.

Abstract: A system and method is disclosed for converting smart cell phone applications to applications that operate on basic cell phones. The invention has a classifying process that classifies one or more functions of a cell phone application into those functions capable being performing by a basic cell phone and those functions, missing functions, that can not be performed by a basic cell phone. Substitute functions for the missing functions are developed. An emulator monitors the execution of the cell phone application and provides the substitute cell phone functions at points in the execution where a missing function is to be executed. Therefore, the smart phone application is converted into a basic phone application that can be executed by the basic cell phones with reduced functionality. The invention can run on a smart phone or a server. The invention can also be provided as a server based service for basic cell phone users.

Abstract: A system and method are provided for implementing a credit-worthiness recommendation system based on social capital. Recommenders are nominated by a user of the system, and the recommenders are queried to provide quantified creditworthiness information about the user.

Abstract: A system and method is disclosed for converting smart cell phone applications to applications that operate on basic cell phones. The invention has a classifying process that classifies one or more functions of a cell phone application into those functions capable being performing by a basic cell phone and those functions, missing functions, that can not be performed by a basic cell phone. Substitute functions for the missing functions are developed. An emulator monitors the execution of the cell phone application and provides the substitute cell phone functions at points in the execution where a missing function is to be executed. Therefore, the smart phone application is converted into a basic phone application that can be executed by the basic cell phones with reduced functionality. The invention can run on a smart phone or a server. The invention can also be provided as a server based service for basic cell phone users.

Abstract: A system and method is disclosed for converting smart cell phone applications to applications that operate on basic cell phones. The invention has a classifying process that classifies one or more functions of a cell phone application into those functions capable being performing by a basic cell phone and those functions, missing functions, that can not be performed by a basic cell phone. Substitute functions for the missing functions are developed. An emulator monitors the execution of the cell phone application and provides the substitute cell phone functions at points in the execution where a missing function is to be executed. Therefore, the smart phone application is converted into a basic phone application that can be executed by the basic cell phones with reduced functionality. The invention can run on a smart phone or a server. The invention can also be provided as a server based service for basic cell phone users.

Abstract: A system and method is disclosed for converting smart cell phone applications to applications that operate on basic cell phones. The invention has a classifying process that classifies one or more functions of a cell phone application into those functions capable being performing by a basic cell phone and those functions, missing functions, that can not be performed by a basic cell phone. Substitute functions for the missing functions are developed. An emulator monitors the execution of the cell phone application and provides the substitute cell phone functions at points in the execution where a missing function is to be executed. Therefore, the smart phone application is converted into a basic phone application that can be executed by the basic cell phones with reduced functionality. The invention can run on a smart phone or a server. The invention can also be provided as a server based service for basic cell phone users.