Computer software for the federation, optimization and management of queries against structured and unstructured data sources across heterogeneous computing platforms and environments; Computer software for creating a data mart or data warehouse that is capable of storing structured and unstructured data for the purposes of analytics processing, reporting and ad-hoc querying; Computer software for providing users with the ability to navigate unstructured data file systems; Computer software enabling users to author queries against structured and unstructured data sources across heterogeneous computing environments without requiring programming or data platform knowledge; Computer software enabling business intelligence tools to query structured and unstructured data sources across heterogeneous computing environments, none of the foregoing relating to the provision of financial services and financial payment services in the form of credit cards, debit cards, charge cards, stored value, prepaid card services, travel insurance services or cheque verification services, credit services, banking services, ATMs and the provision of financial and monetary advice relating to the aforesaid services, namely, credit cards, debit cards, charge cards, stored value, prepaid card services, travel insurance services or cheque verification services, credit services, banking services, ATMs