Platform as a service (PAAS) featuring computer software platforms for analyzing financial transaction and account data to determine customer insights for financial institutions; Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for submitting financial data for processing and receiving information files; Cloud storage services for electronic files; Providing a web hosting platform for storing and processing data for financial institutions; Software as a service (SAAS) services featuring software for generating customer information files; Software as a service (SAAS) services, namely, hosting software for use by others for processing customer data to create customer files