design, development, and installation of software as a service, banking as a service, and related IT services of computer software in the fields of banking, finance, and insurance industries; design, development, and installation of software as a service, banking as a service, and related IT services of computer software for use in point-of-sale terminals, credit card and smart card issuance and processing contactless payments, e-wallets, encryption systems, data and identity security, fraud detection and protection, artificial and machine learning, cloud computing ecommerce gateways and processing, and the Internet of Things (IoT); application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants