Software as a services (SaaS) services featuring computer software for aggregation of banking, financial, investment and personal records and information; application service provider featuring application programming interface (API) software for accessing online and electronic data and for converting and transferring that data to and for use in connection with computer software programs, personal and business electronic devices, mobile and smart phones, tablets and other computer software applications; providing temporary use of on-line non-downloadable computer program development tools for the creation, development, distribution and control of computer software in the field of financial management and online financial and e-commerce transactions; application service provider featuring application programming interface (API) software for the creation and operation of an e-commerce business and for the operation of an online retail store site for the purchase and download of computer software applications