Software as a service (SAAS) services featuring software for compiling financial due diligence information involved in payment and loan transactions, calculating financial credit risk information, creating financial reports; 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