Software as a service (SAAS) services, namely, hosting software for use by others which provides personal financial information and financial services, including financial analysis, financial transaction records, management, and bill payment; providing temporary use of non-downloadable computer software to provide personal financial information and financial services, including financial analysis, financial transaction records, management, and bill payment; -- providing temporary use of downloadable computer software to provide personal financial information and financial services, including financial analysis, financial transaction records, management, and bill payment; -- Application service provider featuring application programming interface (API) software to provide personal financial information and financial services, including financial analysis, financial transaction records, management, and bill payment; Software as a service (SAAS) services, including, hosting software for use by others for matching, merging, routing and migration of user preferences and profiles, and financial data and transactions; providing temporary use of non-downloadable computer software for matching, merging, routing and migration of user preferences and profiles, and financial data and transactions; providing temporary use of downloadable computer software for matching, merging, routing and migration of user preferences and profiles, and financial data and transactions; Application service provider featuring application programming interface (API) software for matching, merging, routing and migration of user preferences and profiles, and financial data and transactions