Providing on-line non-downloadable software using artificial intelligence for automating business tasks within the fields of marketing, data analysis, creative design, data management, financial services, operations management, sales management and customer support services; Providing temporary use of on-line non-downloadable software and applications using artificial intelligence for use as a virtual digital assistant; Software as a service (SAAS) services featuring software for creating and managing Artificial Intelligence programs for use within the field of automation