Abstract: This disclosure describes techniques for using a computing device to occasionally, periodically, and/or continuously negotiate terms of financial agreements, such as those relating to a financial product or service offered by a bank or other financial institution. In one example, this disclosure describes a method that includes receiving a first indication of audio input associated with a user; generating, based on account information associated with the user, a proposal relating to a financial product, wherein the proposal includes a request for information; sending, over the network, information about the proposal; responsive to sending the information about the proposal, receiving, the network, a second indication of audio input including offered information responsive to the request for information; storing the offered information; and adjusting the account information associated with the user to reflect acceptance of the proposal.