MoneyStream debuted its technology that learns and predicts a user’s spending pattern:

“MoneyStream sits in between other financial institutions, consolidators, and aggregators, using patent pending technology to manage the complex network of money and creating a direct relationship with the consumer. 

In addition, MoneyStream’s smart technology uses learning algorithms to detect and predict a user’s spending patterns and do a significant part of the user setup for them, just as a trusted personal financial assistant would do. The free service lets users view and pay bills, detects upcoming money issues, and provides visibility to a future cash flow, with little or no effort on the user’s part.”