SOFTWARE AS A SERVICE (SAAS) FEATURING NON-DOWNLOADABLE SOFTWARE FOR PROCESSING LOAN APPLICATIONS, LOAN ORIGINATION, MANAGING LOANS; SOFTWARE AS A SERVICE (SAAS) FEATURING NONDOWNLOADABLE SOFTWARE FOR USE IN CREDIT PROCESSING, RISK ANALYSIS, IDENTITY VERIFICATION, DATA ANALYSIS, DEMOGRAPHIC ANALYSIS, RISK MODELING AND ANALYTICS, DECISIONING AND ANALYSIS, ANALYZING LOAN DATA BY PARSING THE DATA FROM MULTIPLE SOURCES, APPLYING A SET OF CONFIGURABLE RULES TO DETERMINE A DECISION AND ISSUE RULES-BASED FINDINGS; SOFTWARE AS A SERVICE (SAAS) SERVICES FEATURING NON-DOWNLOADABLE SOFTWARE FOR PROCESSING OF CREDIT APPLICATIONS THAT VERIFY THE IDENTIFICATION AND AUTHENTICATION OF THE MOBILE OR INTERNET USER FOR FRAUD PREVENTION; SOFTWARE AS A SERVICE (SAAS) FEATURING NON-DOWNLOADABLE SOFTWARE FOR USE IN PRODUCTION AND EXECUTION OF DOCUMENTS AND OTHER LEGAL INSTRUMENTS VIA DIGITAL OR ELECTRONIC SIGNATURES, FOR AUTOMATION OF THE ORIGINATION WORKFLOW, FOR DOCUMENT AND DATA RECOGNITION, IMAGING, INDEXING AND ROUTING; SOFTWARE AS A SERVICE (SAAS) FEATURING NON-DOWNLOADABLE SOFTWARE TO PROVIDE A SECURE INTERNET WEBSITE PORTAL TO COMMUNICATE AND EXCHANGE DOCUMENTS IN CONNECTION WITH THE ORIGINATION, OF LOANS, ENABLING QUALIFYING DATA INPUT THROUGH THE SECURE INTERNET WEBSITE PORTAL; SOFTWARE AS A SERVICE (SAAS) FEATURING NON- DOWNLOADABLE SOFTWARE FOR PROVIDING INTEGRATION BETWEEN LOAN ORIGINATION SYSTEMS, CUSTOMER AND DEALER RELATIONSHIP MANAGEMENT SYSTEMS AND SERVICING PLATFORMS; ALL OF THE FOREGOING BEING DESIGNED SPECIFICALLY FOR USE BY LENDING INSTITUTIONS, AND MARKETED SOLELY TO LENDING INSTITUTIONS AS A BUSINESS-TO-BUSINESS SOFTWARE AS A SERVICE (SAAS); NONE OF THE FOREGOING BEING DESIGNED FOR USE BY OR MARKETED TO INDIVIDUAL CONSUMERS, AND NONE OF THE FOREGOING FOR USE IN CONNECTION WITH VEHICLE RENTAL SERVICES OR VEHICLE RENTAL RESERVATION SERVICES