Providing temporary use of online non-downloadable software for business data analysis; providing temporary use of online non-downloadable software for measuring the capacity of an entity, business, or enterprise for adjustment and current adjustment impact; software as a service (SaaS) services for connecting transformation capacity of an entity, business, or enterprise with its impact to determine if the entity, business, or enterprise has reached threshold transformation saturation levels; providing temporary use of online non-downloadable software for business data analysis, namely, visualizing and analyzing transformation saturation levels and capacity for modification; software as a service (SaaS) services featuring business software for quantifying transformation saturation metrics; software as a service (SaaS) services feature software for identifying, measuring, and analyzing adjustments made in business operations and policies across an organization; all of the foregoing not including the provision of banking services, credit card and debit card services, electronic payment processing services, and electronic transfer of funds services