Platform as a service (PAAS) featuring computer software platforms for financial services, banking services, and loan services; Providing on-line non-downloadable software using artificial intelligence for financial services, banking services, and loan services; Providing temporary use of non-downloadable cloud-based software for financial services, banking services, and loan services; Software as a service (SAAS) services featuring software for financial services, banking services, and loan services; Software as a service (SAAS) services featuring software using artificial intelligence for financial services, banking services, and loan services; Software as a service (SAAS) services featuring software using artificial intelligence for financial institutions providing loan origination and underwriting services by using artificial intelligence (AI) underwriting tools, portfolio management, active loan tracking and loan servicing, assisting financial institutions through the use of an artificial intelligence (AI) virtual lending assistant, analyst, and underwriter, receiving pre-qualified tailored loan applications, creating analytics reports and showing insights in to for creating efficient operation and making data-driven decisions, managing active and past loan portfolios, communicating with clients, sending contracts and emails, mitigating fraud activity, risk assessment, loan brokers to manage portfolios and deals, commission and revenue tracking, managing documents for loans, managing leads and increasing conversions for potential loans