Software as a service (SAAS) services featuring software for compiling financial due diligence information involved in payment and loan transactions, performing financial asset verification, performing cash flow verification, performing lien and judgment verification, calculating financial credit risk information, creating financial reports, and performing financial due diligence on bank and financial transaction counterparties involved in banking, lending and financial payment processing; Credit scoring services; credit risk management services; financial analysis and consultation; financial information provided by electronic means; providing information in the fields of credit rating in the nature of modeling, scoring and analytics; financial risk management; financial portfolio management; providing information about credit scores and credit management; financial management; consultation on debt recovery and collection; financial and insurance risk analysis services, namely, scorecard development, computation and management; evaluating credit risks through use of algorithms