Providing temporary use of non-downloadable software and applications for facilitating and administering loans, financing of purchases, consumer lending, loan applications, credit and loan account management, electronic funds transfer services, electronic payment services transaction authentication services, routing, authorization and settlement services, and fraud detection and control services; 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; non-downloadable software for enabling the electronic transfer of funds between users, including consumer-to-business payments