Thanks! As for the waiting time issues, I mean sometimes they want to buy guaranteed financial products or have some problems related to their account, and they need to wait in line to chat with a bank teller.
Actually, I haven't found an app or a website totally match these suggestions. But I think there is some of them looks better than the others from some aspects. For example, the app Med Helper is a good one on its interface, because the interface is simple designed, it's helpful and it seems easy for over-50s to use.