Platform as a service (PaaS) featuring software platforms provided to others for providing backend computer services and application programming interfaces (APIs); providing temporary use of on-line non-downloadable software for banking as a service; application service provider featuring software provided to others for enabling banking applications; application service provider featuring application programming interface (API) software for banking applications, namely, API software for providing backend banking functionality; platform as a service (PaaS) featuring software that provides development tools for the banking industry for enabling software applications to access and utilize backend services, namely, data storage, data management, payment services, and user management; Software as a service (SaaS) services featuring software for the banking industry, namely, software for user onboarding, financial account setup and management, payment processing, credit card issuance, and system management