Software as a service (SAAS) services featuring software for accessing, viewing and managing checking accounts, credit card accounts and savings accounts, paying bills and transferring money; Platform as a service (PAAS) featuring computer software platforms for accessing, viewing and managing checking accounts, credit card accounts and savings accounts, paying bills and transferring money; Providing temporary use of on-line non-downloadable cloud computing software for accessing, viewing and managing checking accounts, credit card accounts and savings accounts, paying bills and transferring money; none of the foregoing related to business credit reporting services, business credit and business equity research, business credit verification services, and alternative financing and lease-to-own options for prospective customers with no credit options through traditional financing