Providing temporary use of non-downloadable cloud-based software for accounts payable automation and spend intelligence; Software as a Service (SaaS) services featuring software for automating the accounts payable process, spend analysis, and financial decision-making support; cloud computing featuring software for use in the management of accounts payable, financial reporting, and spend analytics; providing a web-based online portal for customers to manage invoices, process payments, and analyze spending data; platform as a service (PaaS) featuring computer software platforms for invoice processing, payment management, and financial data analytics; non-downloadable software for integrating accounting and financial systems for the purpose of automating accounts payable and financial reporting processes