Embodiments of the invention are directed to a central communication hub, structured for integrating a plurality of electronic communication channels associated with the user, such that the user can utilize disparate electronic communication channels via a central user application. The communications hub is structured for identifying, retrieving and processing electronic communications associated with the user, as well as, automatically initiating actions associated with the communications. The communications hub is also structured for proactively transmitting alerts associated with the electronic communications. The central communication hub also comprises a system for centralized management of records, structured for secure and convenient storage, sharing and retrieval of user records. This can include intelligent automated management of user records.