Software as a service (SAAS) featuring software for use in reviewing, evaluating and analyzing credit, loan and financial applications based on Artificial Intelligence, machine learning and data analysis methods; Software as a service (SAAS) for use by lenders, banks, credit unions, and financial institutions in evaluating, analyzing and characterizing borrower and applicant data and information as part of lending services, e-commerce transactions, point of sale financing, blockchain transactions and other financial transactions; Software as a service (SAAS) featuring software for use in providing financial risk management information, services and analytics for credit transactions; Software as a service (SAAS) featuring software for use in compiling and analyzing consumer data, credit data, credit scores, loan data, public records data, bank transaction data, business data, internet data and other sources in order to assist financial institutions in making lending and credit decisions; Software as a service (SAAS) featuring software for use in credit risk assessment for consumer installment loans, financing and consumer lending services