Platform as a Service (PaaS) featuring computer software platforms for use in applying for, processing, and obtaining loans, lines of credit and deposit accounts; for creating new financial services product offerings through assembly of modular components into workflows through low-code drag-and-drop design tools and other approaches; for providing a library of modular components to build such workflows; for collecting data and data analytics for loan application processing, approval and compliance; for evaluating risk assessment and risk management for financial services products; for collaborating and communicating between borrowers and financial institutions and others involved in the process of obtaining a financial services product, and sharing of documents between borrowers and financial institutions and others involved in that process; for collecting and storing data, documents, and records for applying for, processing, and obtaining financial services products; for facilitating the collection of banking, financial, investment, and credit reports and other personal information in connection with consumer requests for financial services; for allowing consumers to obtain pricing, rates, and other information related to financial services products; for installation, maintenance and updating of computer software in the field of financial services products; for managing integrations with loan origination, customer relationship management, digital banking, and core banking systems, as well as with other third-party data systems, namely, marketplaces and settlement service providers; for computer software consulting in the field of financial services software; for other software integration services, namely, integration of computer systems and networks