Providing online non-downloadable software for use in tracking user behavior via mobile phones, wireless devices and IOT devices; Providing online non-downloadable software for use in monitoring user behavior to generate a credit score for the purpose of providing and refinancing loans; Providing online non-downloadable software for use in analyzing data points from various sources including mobile phone usage, bill payment records, loan payment records and other user actions and behaviors to evaluate eligibility for loan refinancing; Providing online non-downloadable software for use in analyzing cellular phone usage, bill and loan payment records and user behavior to determine alternative credit scores for users and build credit and trust for loans, insurance and other financial services