Platform as a service (PaaS); hosting of software as a service (saas); consultancy in the field of software as a service (saas); software as a service (saas) for identifying, understanding, and accessing current and prospective financial products; software as a service (saas) for accessing, tracking, and organizing bank account and financial services information; software as a service (saas) for accessing, tracking, and organizing monetary spending and bank account and financial services information; software as a service (saas) for recording and monitoring financial transaction history and for forecasting and projecting future budgeting and spending patterns; software as a service (saas) for producing financial models, namely, financial investment models, models for reconciling spending and savings, and models for management of personal finance; software as a service (saas) for affordability assessments and credit risk assessments; software as a service (saas) for debt collection and credit management; software as a service (saas) for identity and account verification; software as a service (saas) for accessing, retrieving, aggregating and processing data; software as a service (saas) for subscription management; software as a service (saas) for monitoring carbon footprint