Wells Fargo Bank, N.a.

Anshuman M Duneja

Bipin M Sahni

Uma Meyyappan

Jennifer Toby Whateley

Stanislav Roumiantsev

Janelle Wolak

A computing device may include a provider application and data defining perceptible elements that provide users with various functionalities in more easily consumable stages. The application may determine that the user is at a first level of sophistication based on user activities and/or circumstances, and present a first set of perceptible elements in response thereto to provide a first set of functionalities. The application may then determine the user is at a second, higher level of sophistication based on subsequent activities and/or circumstances, and present a second set of perceptible elements to provide a second set of functionalities that includes at least one new functionality not provided via the first set of perceptible elements. Applications can be less resource intensive by evolving to strategically tailor available functionality to the circumstances and needs of particular users.

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Oakland, CA, United States of America

Anshuman M Duneja