The invention relates to a voice enabled user interface which correlates, at development time or at run time, utterances, by a caller who is interacting with the user interface, with transaction phrases in a transaction phrase data structure, such as through the use of synonyms, descriptions of the transactions, comparing selected words, and phrases having one or a plurality of word in common. The user interface employs the results of the correlation to calculate an offering to the caller which may include a list of transaction phrases, a list of correlation results, a prompt for the caller to speak additional information to the user interface, or a combination of the two. The user interface may assess whether a number of transaction phrases in a determined list is small enough to be suitable for presentation and, if not, enable a correlating step to be repeated to yield a smaller number of transaction phrases in the correlation result. The invention may be employed in a variety of applications including but not limited to banking and other financial applications services.