Software as a service (SAAS) services featuring software for the financing of loans and raising of debt financing, credit management, debt collections, and credit related financial services; software as a service (SAAS) services featuring software for payment and funds verification services, payment transaction processing services, processing of electronic funds transfer; scientific and technological services, namely, research and design in the field of artificial intelligence, machine learning algorithm, and advanced data analytics related to credit management and debt collection software; computer security consultancy; providing user authentication services using single sign-on technology for online software applications including for e-commerce transactions