Platform as a service (PAAS) featuring software allowing access to applications in the fields of business information, credit ratings, credit information, credit reports, credit risk management and analysis, sales and market reports and reporting, marketing studies, business statistics and statistical fields, credit recovery and collections, financial marketing and research, business credit risk information, business directories, supply chain management, marketing and risk analysis, data management, data discrepancies and verification, data governance, data strategy and data quality, digital advertising, risk management, lending, insurance, finance management, and invoicing