Offer your thoughts or opinion on the input financial query or topic using your financial background.

Why haven't there been personal finance apps or softwares that use regression modeling or A.I.?
Consumer facing finance is heavily regulated. You are liable for the recommendations you make; if they are based on a black box you risk problems when sued. It is difficult to explain in a court of law why a neural network came to a particular conclusion. It is much easier to provide advice (models) in the "educated counterparty" market. Not only do institutional investors in general expect to pay for a quality advice (consumers in general expect to get online advice for free) but the legal implications are different.