Channel based communication and transaction system

System and methods are provided for receiving identification information from remote user devices associated with users. The identification information serves to obtain corresponding stored user profiles. Users are engaged with pre-existing primary communication channels for each user based upon their profiles. Each such primary channel facilitates electronic communication between a corresponding enterprise data source and users. For each respective primary channel in a subset of the primary channels of a first user, a corresponding plurality of sub-channels is generated based upon their profile. A sub-channel enables secure bidirectional communication between (i) the remote user device associated with a first user and (ii) the enterprise data source associated with the primary channel to which the sub-channel is associated.