Providing temporary use of non-downloadable software and applications for facilitating and administering banking, loans, financing of purchases, consumer lending, loan applications, credit card applications, credit and loan account management, payment by credit card or virtual payment method, electronic funds transfer services, electronic payment services transaction authentication services, routing, authorization and settlement services, and fraud detection and control services; non-downloadable software for enabling the electronic transfer of funds between users; non-downloadable software for enabling peer-to-peer payments; non-downloadable software for enabling the electronic transfer of funds between users, including peer-to-peer payments, consumer-to-business payments, business-to-consumer payments, and business-to-business payments; non-downloadable software for enabling the electronic transfer of funds made via electronic payments and credit card; providing temporary use of non-downloadable software and applications for data analysis, analysis of loans, analysis of credit and credit accounts, analysis of marketing and advertising data, and analysis of loyalty and rewards data