create an app

I want my app to be essentially a financial management and mobile banking app into one. there will be a twist to the app to where it can also be used as a financial advisor. I would like the app to have the ability to be linked with other apps such as banking apps, investment apps and utility apps such as phone, cable, electric, gas and other miscellaneous add ons. The app will need to have a function for paying bills through the app to whatever accounts that are linked to it. My vision for this app is for it to make all other financial management apps obsolete. what makes my app different from whats already in the market is the automated financial advisor that I would like for it to come with. The financial advisor will be able to make sure you make smart decisions with your money and give you suggestions on how to increase your profit by one of two way. It will be either in Investments or by starting a saving plan that would automatically deduct a percentage from every direct deposit associated with the linked account. The financial Advisor AI would automatically advise you if you are starting to form a bad spending habit. If you need any more information on what this app has, please contact me for more information. Thank you.