(Based on Use in Commerce) Software as a service (SAAS) services featuring software for personal finance, financial management, financial planning, providing financial information, budgeting, and credit and debt management; Software as a service (SAAS) services featuring software for managing, editing, storing, sharing, transferring and viewing money, money pockets, funds, and bank accounts; Software as a service (SAAS) services featuring software for earned wage and early pay access services; Software as a service (SAAS) services featuring software for conducting financial transactions and transfer and payment of funds; Software as a service (SAAS) services featuring software for use as a digital wallet; Software as a service (SAAS) services featuring software for banking services, credit and loan services; Software as a service (SAAS) services featuring software for accruing, managing, and redeeming merchant rewards and discounts, and promotion, management, and access to customer incentive, reward and discount programs; (Based on Intent To Use) ; Software as a service (SAAS) services featuring software for advance payments for prepaid and pay as you go cards; Software as a service (SAAS) services featuring software for enabling access to investment services, brokerage and trading of investments, and providing information regarding investments